Originally Posted by
philemer
Why are you worried about an inquiry (aka hard pull)? They only drop your score a bit and it'll bounce back up in a couple months. Applying for two cards in one day will not combine the inquiries.
Chase can deny you a new card even if you are under 5/24. One reason I've seen used is "too many recent cards". So feel free to apply but don't be surprised if you are turned down.
You really need to spend some time reading the wikipost in the "Applying for Chase credit cards..." before you attempt applying for another card.
Hey,
It's always better to combine pulls in day if you can and keep that score up, IMO. Most card issues DO combine pulls for two apps in a single day. Chase included. That said, I forgot that business + personal apps might not be combined. However, if you
read here you'll see reports that business and personal have been combined.
Yes, I realize I may be declined for reasons other than 5/24.
I've read a lot about applying for Chase cards and have played the game quite awhile now.
I stand corrected on the Chase Business Cards counting towards 5/24. That used to be the case as you can
see here, but apparently that changed at some point (text said they do count, is crossed out, and new text says that now they don't count). :-) So I won't rush to my next card as I should only be at 3/24 if that is correct. But the reason I started this post was because I wanted to get another Chase card in now while I have upcoming expenses to use it on and assuming my 5/24 slots were gone. Otherwise I'd apply for a card(s) with a different issuer and lose my ability to apply for Chase cards. Make sense? Now I'll probably wait a bit so that I can apply when Chase has a better bonus on the IHG or Marriott cards. Thanks,
--Kyle