Approved for CSP but...

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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otter
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Approved for CSP but...

Postby otter » Sat Aug 09, 2014 4:08 pm

So applied for the CSP half expecting a denial, but figured I could afford an inquiry. To my surprise, I was approved, but after looking at my report on the Amex Credit Secure site- I notice they pulled EQ and EX. Don't know about TU, but for some reason, there's often a "delay" when I get hard pulls on TransUnion. Is Chase pulling a CrapOne tri-pull on me, or was my approval marginal and they pulled a second file to make sure?+
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450


flan
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Postby flan » Sat Aug 09, 2014 5:17 pm

otter wrote:So applied for the CSP half expecting a denial, but figured I could afford an inquiry. To my surprise, I was approved, but after looking at my report on the Amex Credit Secure site- I notice they pulled EQ and EX. Don't know about TU, but for some reason, there's often a "delay" when I get hard pulls on TransUnion. Is Chase pulling a CrapOne tri-pull on me, or was my approval marginal and they pulled a second file to make sure?+


I think Chase double and triple pulls lots of people. I don't know what their selection algorithms are, or they've changed, but they do it a lot. I know many lenders look at where you live, and pull based on that. IF you've moved recently, that could trigger a pull based on the location of the previous address.

trumpet-205
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Postby trumpet-205 » Sun Aug 10, 2014 2:25 am

Double and triple pull happens when your credit is borderline. Capital One is an exception as it is their policy to pull 6 CRAs at once (EQ, EX, TU, ARS, IDA, and Innovis).
In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

MemberSince99
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Postby MemberSince99 » Sun Aug 10, 2014 8:02 am

otter wrote:So applied for the CSP half expecting a denial, but figured I could afford an inquiry. To my surprise, I was approved, but after looking at my report on the Amex Credit Secure site- I notice they pulled EQ and EX. Don't know about TU, but for some reason, there's often a "delay" when I get hard pulls on TransUnion. Is Chase pulling a CrapOne tri-pull on me, or was my approval marginal and they pulled a second file to make sure?+




Congrats otter. They double pulled me for every app and CLI request I made - in my case, TU and EX. It's pretty common from what I've read. I doubt they triple pulled but 2 is bad enough.


Enjoy the card.

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PlyrStar93
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Postby PlyrStar93 » Sun Aug 10, 2014 10:36 am

My freedom approval actually resulted in pulls in both TU and EX (at least). I thought it was only EX as I saw notification on my credit monitoring service, but turned out to find inquiries on TU after pulling TU report.

For EQ I really don't know because I have never pulled that to see what's in there.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

cashinout
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Postby cashinout » Sun Aug 10, 2014 1:10 pm

MemberSince99 wrote:Congrats otter. They double pulled me for every app and CLI request I made - in my case, TU and EX. It's pretty common from what I've read. I doubt they triple pulled but 2 is bad enough.


Enjoy the card.


I agree they pulled TU and EX on mine as well but that was it never seen a triple pull.
Fico 699
Fake - 704
Amex Plat - NSPL
Chase Freedom - 11k
Chase Sapphire Preferred - 13k
Chase Marriott Rewards Preferred - 15k
Chase United Milage Plus Club 15k
Chase Ritz Carleton Card 11k
Discover IT - 9k
Citi AA Advantage Executive Elite - 11k



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