Merging inquiries
Jan 1, 2013 | 5:09 pm
#1
Original Poster
Join Date: Jul 2012
Location: FL
Programs: AA, US, WN, Marriot, Hilton
Posts: 102
Merging inquiries
I have applied for SWA personal card at 2:00 AM today, and got the application pending for approval. Called the app status line but after entering my SSN the automated system didn't mentioned anything about the application!
The good news is that I logged into my chase account today and the new credit account showed up, so I assume it is approved.
Long story short, now I am wondering if I apply for another chase CC would the two inquiries merge into one? The two inquiries would be in the same day but a few hours apart.
The good news is that I logged into my chase account today and the new credit account showed up, so I assume it is approved.
Long story short, now I am wondering if I apply for another chase CC would the two inquiries merge into one? The two inquiries would be in the same day but a few hours apart.
Jan 1, 2013 | 6:21 pm
#3
Join Date: Mar 2012
Posts: 784
I could be wrong, but I believe the only time inquiries merge is if it is two inquiries from exactly the same bank division, like two AA cards from citi. It doesn't work if there is any difference in the division. Look in the Citi AA thread.
Jan 2, 2013 | 11:42 am
#4
Join Date: Mar 2011
Programs: Marriott LT Platinum, Hyatt Globalist, AA EXP
Posts: 732
My understanding is that multiple inquiries on the same day as long as they are for the same type (credit card vs credit card ... or auto loan vs auto loan), they will be counted as only one inquiry. Both will show, but the count will not increase.