Yes, they will probably do another credit inquiry, especially Chase.
What was the time period for all these applications? It seems like perhaps your husband went from having few or no cards to suddenly applying for a lot all at once -- creditors may see that as a sign of desperation, like he is suddenly in financial stress. Although there is perhaps no "rule" about applying for Chase cards within 6 months of each other, it may still be a good "rule of thumb", and I follow that advice myself.
Perhaps instead of applying for another card right now (the Amex) it make sense to establish some more credit history first, and focus on the positive aspect that he did get the BA card.
Originally Posted by
travelgirlut
We understand about the authorized user thing and get why Chase was justified in denying him on that basis, but since they had already approved him for a card, it just didn't make sense.
Thank you for suggesting writing the Executive Office for Citi. I had seen that before but forgotten about it. We will definitely do that.
After getting my husband his own Amex and putting him as joint on our other card, can we ask Chase to reconsider again as long as it's within 30 days of the denial? Will they pull a new credit report for him to verify the changes? Or are we just out of luck there do you all think?