Originally Posted by
DaveInLA
Now does a single pull for both cards also mean that the 1st card approval won't count against the 2nd with regard to 5/24? My wife is 4/24, if she gets approved for the first, will Chase automatically reject her for the 2nd card because she'll be at 5/24, even if both cards use the same hard pull? If she's unlikely to get approved, she would rather apply for a Chase card other than SW.
It doesn't matter whether it's a single pull or not. She'd get the same result, because new cards take weeks to start reporting to credit bureaus, so a pull. a day or two or three after the first approval would get the same results as a pull before the first approval.
The question would be whether Chase would
ever look at its own records in addition to the credit report they pull. We know that in the case of Chase business cards, they don't always do that (whether they sometimes do it, we don't have enough data; we do have data on at least 2 cases where they didn't count Chase business cards from the past 24 months). But AFAIK no one's ever done a [valid] "test" to see if they look at
very recent Chase applications.
And here's why a test is very difficult to do. While 4/24 means you don't get denied for 5/24 reasons, and 6/24 means certain denial (for any card subject to 5/24), at
exactly 5/24 it's eeny meeny miny moe, the roll of the dice, YMMV, whatever you want to call it, some people get denied at exactly 5/24 and other people get approved at exactly 5/24.
And that's why all experiments to determine whether Chase is looking at its own records in addition to the pulled credit report require that that make a difference between 4/24 and 6/24 (ie, 2 Chase business cards opened in the past 24 months if trying to determine if Chase counts its own business cards toward 5/24, and 2 Chase business cards opened in the past week or two to determine whether Chase count its own cards that were opened recently).
But unless Chase allows you to apply for 3 cards in 2 weeks (which IIRC it doesn't), that experiment would be
impossible to do! So we might
never really know!
Ie, your wife might get approved because she would get approved at 5/24, or she might get approved because they don't look at the card she got approved for minutes or days before, or she might get denied because would get denied at 5/24 and they do look at the card she got approved for minutes or days before.
We cannot possibly know which of those three things will happen, because we cannot know whether Chase would approve your wife this month at exactly 5/24 or not. (What Chase did for a given person the last time they were at exactly 5/24 is not necessarily what they'll do next they're at exactly 5/24. Chase's treatment of someone who's
exactly at 5/24 may vary not just by individual but also over time.)