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Chase PreQulified 4 Offers

Valued Contributor

Re: Chase PreQulified 4 Offers

After reading this thread, I feel like the kid sitting at the childrens table at family get togethers



3/16 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>11/17 CCT EX 735 TU 807 EQ 716
You are only young once, but you can be immature forever
Message 11 of 17
Valued Member

Re: Chase PreQulified 4 Offers

With the exception of the slate (unless you have a nasty balance you wanna transfer), the other 3 cards are pretty good. It all depends on what you're looking for. Like a previous poster said, if you travel some and dine out often you would really benefit from the CSP, it's an amazing card. If you will take advantage of the Freedom's 5% categories then its a great card, but more limited. And the CFU is a good all around card pretty straight forward 1.5% CB card. Just do the math, think about your spending, and do your thing.

 

 

btw, GTFO here with those scores man, geez, **bleep** overachiever! loooool

In the Garden since 6/26/17 - Have everything I need at this point, not looking to apply for any more credit anytime soon.

Message 12 of 17
Frequent Contributor

Re: Chase PreQulified 4 Offers

Guys I just did a post on this and then boom I saw this post. I was asking for help for my mom. Becasue guess what today after never being prequaled before now she was prequal for the same 4 chase as OP, now my thing is that she has one secured one store card and scores are 630 experian 633 trans which they pull in my state and 645 equifax. I don't know if she should go for CSP. In my days I was only prequal for two and that was slate and freedom and I went for the freedom. Not trying to jack this thread but my mom is a similar boat as OP. What to do, dang.


April 2015 490-510
March/2016 Equifax-636 TransUnion-632 Experian-639
April/2016 Equifax-695 TransUnion- Experian-663
Mortgage Scores:Feb/2016 Equifax-Fico5 591 TransUnion-Fico4 625 Experian-FIco2 569
Goal Score:across the board 725+


Message 13 of 17
Contributor

Re: Chase PreQulified 4 Offers

It's a hard decision to make.  I only have 2 cards and I'm kind of frozen with indecision with which cards to get.  I really want the CSP, and there's some large purchases I want to make to cover the spend bonus, but I'd take half a year to pay them off comfortably and I don't want to pay the high interest.  I also don't want to get too many cards and be locked out of Chase until 10/18.  Dang 5/24 rule.


Starting Scores: TU 724 | EX 719 | EQ 718
Current Scores: TU 756 | EX 771 | EQ 784
Message 14 of 17
Regular Contributor

Re: Chase PreQulified 4 Offers


VapeDaddy wrote:

It's a hard decision to make.  I only have 2 cards and I'm kind of frozen with indecision with which cards to get.  I really want the CSP, and there's some large purchases I want to make to cover the spend bonus, but I'd take half a year to pay them off comfortably and I don't want to pay the high interest.  I also don't want to get too many cards and be locked out of Chase until 10/18.  Dang 5/24 rule.


Per my Discover scorecard, I'm at 7/24 and was approved for the CSP 07/15/17. Granted I was not instantly approved. I was given the 30 day message but was approved 3 days later. *Disclaimer, I was pre-approved months ago but decided to apply because I will be moving out of state soon to attend college and will be traveling more frequently. 

Fico 8: TU 771 (Discover) EX 754 (Amex) EQ unknown...Garden indefinitely

Total Credit Line: 65.6K Inquires: TU unknown | EX unknown | EQ unknown
Message 15 of 17
Regular Contributor

Re: Chase PreQulified 4 Offers

Also, it is good to note that Chase cards don't grow by SP CLI, all limit requests are hard pulls. However, Chase has been giving out what seems to be 1 or so auto CLIs throughout the life of the card, typically in the first few months of having it. But some people never receive these and are stuck at their SL forever, unless they want a HP.

 

So, in truth, these cards don't really grow. If you want a chance at a higher SL, I would go for CSR (if you can justify the AF). Chase no longer gives out pre qualified offers for these cards to anyone online, but you have a very good chance at approval anyways. It has a $10k min SL. However, with your strong profile, I can't imagine you starting anywhere near there Smiley Wink


755 EX (4 INQ) / 764 TU (2 INQ) / 760 EQ (3 INQ) | AAoA: 10 mo (TU), 8 mo (EQ, EX)
Message 16 of 17
Established Contributor

Re: Chase PreQulified 4 Offers


peghede wrote:

Whats the best one outta the 4 and better sl and to grow in cli.thx

 

Chase Freedom Unlimited

Chase Freedom

Chase Slate®

Chase Sapphire Preferred

 

 

Forgot EXP FICO8  844


Avoid the Slate. Period. It's a useless card outside of BT's. 

 

If these are offers on your Chase account, they're solid. If it's just pre approvals, start with the Freedom, unless your credit profile is strong, then you can go for the CSP. 


Message 17 of 17