Chase / Refused

tomxlisa

I tried to open a chase account today and they have come back and said I can’t open one but I’ve never had one before, they said to check credit reports but I’m surprised by this as I thought they didn’t do a hard check, anyone else experienced this?.

Tony5896

According to their website they dont even soft check .. they do report you have an account.

tomxlisa

Apparently they soft check but don’t hard check that’s the odd thing about being refused, but when I was refused it said refer to my credit reports but why say that if they don’t hard check, I have just opened 2 new bank accounts with other providers not sure if that’s maybe why?.

Hoenir

tomxlisa said:

 I have just opened 2 new bank accounts with other providers not sure if that’s maybe why?.

Highly possible. 

tomxlisa

Hoenir said:

tomxlisa said:

 I have just opened 2 new bank accounts with other providers not sure if that’s maybe why?.

Highly possible. 

Maybe I should have left it a few months or something, just thought as they don’t do hard searches it would be fine. 

HillStreetBlues

tomxlisa said:

Hoenir said:

tomxlisa said:

 I have just opened 2 new bank accounts with other providers not sure if that’s maybe why?.

Highly possible. 

Maybe I should have left it a few months or something, just thought as they don’t do hard searches it would be fine. 

Chase was the 4th current account I opened within a short period of time. I've now done 10 in 9 months and not been rejected for any. Might be something else flagged up.

tomxlisa

HillStreetBlues said:

tomxlisa said:

Hoenir said:

tomxlisa said:

 I have just opened 2 new bank accounts with other providers not sure if that’s maybe why?.

Highly possible. 

Maybe I should have left it a few months or something, just thought as they don’t do hard searches it would be fine. 

Chase was the 4th current account I opened within a short period of time. I've now done 10 in 9 months and not been rejected for any. Might be something else flagged up.

It’s definitely a strange one but I do already have 5/6 current accounts and the chase account would of been the 7th so maybe too many accounts, I’ve just opened a lloyds and nationwide account so can’t see there being anything serious wrong with my credit files unless that’s why it got rejected cause the recent applications. 

tomxlisa

Any other suggestions peeps as proper confused by this one?.

wmb194

tomxlisa said:

Any other suggestions peeps as proper confused by this one?.

Forget it, it happens sometimes.

km1500

TBH 10 current accounts in nine months is a bit unusual even for money saving experts

tomxlisa

wmb194 said:

tomxlisa said:

Any other suggestions peeps as proper confused by this one?.

Forget it, it happens sometimes.

Yeah think that’s what I’m gonna have to do, I’m just a little over worrying now as to why, I’m thinking maybe it was cause a CIFAS or something but surely if it was I wouldn’t of been able to open the recently nationwide and lloyds accounts?.