I know it's not included which is why I chose to apply for that one and not one of the regular cards. My wife has an Amazon card with them but it's a small limit and no luv there in almost 2 years. I don't have a relationship with them at this point.
Chase is very finicky. I used to bank with them and I couldn’t get any offers. Many years after I had closed my accounts, moved out of state, and by having a long term rapid rewards account and just coming off a flight, I was able to get in with the Southwest card.
I never get prequal for anything Chase. However I am now over 5/24 and don’t expect any love from Chase for a while.
Your scores don't add up for me, can you disclose some more data points from your report?
FICO scores of 680s with a few lates from 5 years ago seems low to me. You mention your utilization is low -- are you sure your reports show it as low? Do you mean aggregate utilization is low, or are all of your card balances low compared to limits? Do you have even one card with high utilization? Do you have an installment loan open and reporting?
Chase Disney recon is supposedly pretty easy to do, so try that once you get the letter.
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