Chase pulling both EQ and EX ?
Feb 21, 2012 | 10:50 am
#1
Original Poster
Join Date: May 2008
Location: SFO
Posts: 851
Chase pulling both EQ and EX ?
This may be old news but the last two times I applied for personal cards from Chase (second half of 2011, a few months apart) they pulled both my Equifax and Experian reports at the same time. I've asked them since then if I can expect this double pull with each application now and they just point me to the fine print that says somewhere they can use information from one or more credit report to make their decision. Both apps were approved, first instant, second after recon.
Anyone else getting doubled up by Chase lately? I thought CapitalOne was the bad guy that did this (including Transunion too, I believe).
Anyone else getting doubled up by Chase lately? I thought CapitalOne was the bad guy that did this (including Transunion too, I believe).
Feb 21, 2012 | 11:04 am
#3
Suspended
Join Date: Dec 2006
Location: USA
Programs: All major programs
Posts: 1,403
They have been pulling EQ and EX for me as well. Sometimes they have even pulled EQ and TU. I don't really care about TU as Barclays seems to be the only lender (at least for me) which uses it in TN.
Feb 21, 2012 | 11:22 am
#4
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Just a guess - it could be if they have any inclination that you are applying for multiple cards, they want to hit 2 credit reports to look for excessive inquiries.
I've seen some reports that the computer pulls one and then if it goes to manual review they might pull another from a different bureau.
I've seen some reports that the computer pulls one and then if it goes to manual review they might pull another from a different bureau.
Feb 21, 2012 | 11:28 am
#5
Join Date: Dec 2010
Location: PBI
Programs: DL FO
Posts: 388
In April '11 for the BA card they pulled Ex and Eq. In July '11 for the Sapphire Preferred they pulled both again. In Nov '11 for the Ink Bold they pulled all three for me. Admittedly, I had never had a business card in my life up to that point so I'm sure that is why they pulled the third bureau for that card.
Feb 21, 2012 | 2:29 pm
#11
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Join Date: Dec 2006
Location: USA
Programs: All major programs
Posts: 1,403
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Feb 21, 2012 | 3:05 pm
#13
Join Date: Jan 2010
Posts: 396
My experience with Chase living in WI:
Freedom Card - 3 yrs ago (EQ only)
Continental card - 2 yrs ago (both EQ and EX)
United Select - 1 yr ago (pulled both EQ and EX)
Sapphire Preferred - 6 mos ago (EQ only)
Priority Club - 1 mo ago - approved instantly (EQ only)
I would agree with the theory that the second pull is when it goes to a manual review. I do remember the Continental and United cards taking longer to get approved. I had to call reconsideration to get the Continental card approved.
Freedom Card - 3 yrs ago (EQ only)
Continental card - 2 yrs ago (both EQ and EX)
United Select - 1 yr ago (pulled both EQ and EX)
Sapphire Preferred - 6 mos ago (EQ only)
Priority Club - 1 mo ago - approved instantly (EQ only)
I would agree with the theory that the second pull is when it goes to a manual review. I do remember the Continental and United cards taking longer to get approved. I had to call reconsideration to get the Continental card approved.
Last edited by samdori; Feb 21, 2012 at 3:11 pm