Sydney Garth, Credit Cards Moderator
@sydneygarth
No, Chase doesn’t combine hard pulls when applying for two credit cards, even if you apply for them in the same day. Having said that, keep in mind that a hard pull may cause your credit score to drop by a few points. If that happens, most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months.
Things to Know About Applying for Multiple Chase Credit Cards
- Applying for multiple Chase credit cards at once may hurt your credit standing as well as your chances of approval for a new credit card account.
- Even though one hard inquiry may not have a huge impact, applying for 2 cards or more in a day could potentially bring a score down by several points.
- A cluster of new credit card applications could look like you’re desperately trying to borrow. This could be a sign of budding financial problems, making you look riskier to Chase.
- It’s best to apply for no more than one or two credit cards per year, so your credit score can recover from the previous inquiries.
So, a good idea would be to check if you prequalify for a Chase credit card on the issuer’s pre-qualification page. This way, your credit score will not be affected, as it will only result in a soft pull.
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The highest reported credit limit for Chase is $100,000, on the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. A limit this high is naturally only available to people with excellent credit and a high income. Chase does not disclose a maximum credit limit for any card, so this information is based on customer reports.
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