PSA: Double Dipping Chase Applications No Longer Works

Double dipping Chase applications use to be a popular practice for those in the mid-game of their credit card journey. The method was used to combine hard inquiries when you apply for two personal Chase credit cards in the same day.

As of September 2018, double dipping Chase applications no longer works. Technically, you could still do it, but it would result in your account being manually reviewed by Chase.

When Chase manually reviews your account, there are a few possible scenarios:

  • The first application is approved, and the second application is rejected

  • Both applications are initially approved, but then Chase will automatically close an account in the future

  • A Chase representative will call you to ask if you applied for both cards, and they might let you choose which card to keep open

Bottom line, double dipping Chase cards no longer works, and you shouldn’t do it unless you want eyes on your account.

Either way, this doesn’t change my Chase card strategy because I was probably going to apply for the cards regardless.



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