Reply
New Contributor
Posts: 95
Registered: ‎01-03-2011
0

Applying for Chase Card - In Branch or Online?

I bank with Chase, nothing crazy on the banking side - but I'm going to apply for a United Miles card soon. Does it make sense to do it with a banker thru a branch? Or online? I have a great local branch - I actually still say hi to the gentleman who opened my account every time I'm in the branch. 

 

Normally I wouldn't bother with asking, but my util is a tad high right now due to a very expensive move, and I want a leg up on the application. No other issues on credit profile, several paid auto loans, pull right around 700 mark, but probably slightly under due to high util. I just make a $1k payment to one of my cards, and won't apply until that registers. 

 

I guess my question is - are apps coming in from branches looked at differently? Better? Or shouldn't I not bother and just do it from home? 

Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Applying for Chase Card - In Branch or Online?

Reading post on here that when you are in branch they can tell if you are preapproved for a credit product. Have you tried find my offers on the Chase site? Also having a bank relationship increases chances and Chase is great with recons, but they like to see low UTI in my opinion


$100K in Credit
Last Credit Card App: 11/16/13
Senior Contributor
Posts: 4,329
Registered: ‎02-23-2011
0

Re: Applying for Chase Card - In Branch or Online?

For the UA Miles card, you can get a higher sign up bonus by applying online.  

 

For the Freedom, I was told that applying in branch makes you eligible for the 10% year end rebates on your points/cash back.

Contributor
Posts: 97
Registered: ‎10-03-2012
0

Re: Applying for Chase Card - In Branch or Online?

I applied online and still receive the 10% cash back bonus. You need an active checking account to be eligible. 

Valued Contributor
Posts: 1,134
Registered: ‎05-17-2010
0

Re: Applying for Chase Card - In Branch or Online?

One thing to look for at the branch is offers to apply for no AF for the 1st year.  Brochures are all over at the branch with this bene.  

Valued Contributor
Posts: 1,397
Registered: ‎08-30-2011
0

Re: Applying for Chase Card - In Branch or Online?

In the branch, they may be able to SP your report to see what you're qualfied for, without submitting an actual application.  Depending on the result, you could then go on line and apply, to get any bonuses that might not be available in the branch office.  My credit union can do this, don't see why Chase couldn't. 

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 822 TU = 830 - 01/2015
New Contributor
Posts: 95
Registered: ‎01-03-2011
0

Re: Applying for Chase Card - In Branch or Online?

SP = soft pull? 

 

Thats a thought. Thanks for all the info, guys! 

Valued Contributor
Posts: 1,134
Registered: ‎05-17-2010
0

Re: Applying for Chase Card - In Branch or Online?


hunter399 wrote:

SP = soft pull? 

 

Thats a thought. Thanks for all the info, guys! 


Yes....SP = Soft

Senior Contributor
Posts: 3,065
Registered: ‎11-02-2009
0

Re: Applying for Chase Card - In Branch or Online?

I think they sometimes get commissions for selling people on a credit card, so maybe they are motivated to help you if a recon is needed.  I seem to remember reading a thread about that, but no idea if it was related to Chase.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Applying for Chase Card - In Branch or Online?


Open123 wrote:

For the UA Miles card, you can get a higher sign up bonus by applying online.  

 

For the Freedom, I was told that applying in branch makes you eligible for the 10% year end rebates on your points/cash back.


If you tell them you know the deal they'll give you the better deal :smileytongue:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.