Reply
Established Contributor
Posts: 519
Registered: ‎05-09-2008
0

Chase ATM tells me I'm pre-approved!?

[ Edited ]

So I was out last night with the wife and needed some cash so I stopped by a Chase ATM to make a quick withdrawal.

 

Right before I get my receipt, the screen tells me in big bold letters "YOU ARE PRE-APPROVED FOR A CHASE SLATE... would you like to apply?"

 

I was in a rush so I said no.

 

I've never seen anything like this before.  I've heard of email, online links, and regular mail pre-approvals, but never an ATM.

 

Maybe this is something they're testing out?

 

I'm just wondering if anyone else has received this message while making a Chase ATM transaction?

 

I also wanted to know if this is a true pre-approved offer?

 

Did the ATM do a soft pull on me while I was making a withdrawal?  Smiley Surprised

 

I'm hoping that I get the same message/offer the next time I use the ATM.  I'll be willing to be the guinee pig as I have 0 inq on EX which is what they pull here in California.

American Express Blue Cash Everyday $6600
Barclays US Airways Premier World Mastercard $14500
Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
Chase United Explorer $8500
Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500
Frequent Contributor
Posts: 309
Registered: ‎07-19-2010
0

Re: Chase ATM tells me I'm pre-approved!?

Chase likes to do stuff like this (mix advertising with business.)  And who wants to hang around an ATM machine unless he's "new?"   I'm more prone to make mistakes when I'm trying to pay something Online or transfer funds and I have to click through different ads to complete the transaction.  They should have a link "promotionals" where any one looking for cash back or upgrades or whatever can check in after they've completed their business.

Valued Contributor
Posts: 1,051
Registered: ‎05-20-2010
0

Re: Chase ATM tells me I'm pre-approved!?

I heard about Chase and their pre-approvals at the ATM a few months ago. It is fairly new. Here is a thread on it as well.

TU: 603 – EQ: 569 – EX: N/A – May 2010

Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008
0

Re: Chase ATM tells me I'm pre-approved!?

 


aftermath wrote:

 

I also wanted to know if this is a true pre-approved offer?

 


Yes, it is.  It is just like any other pre-approved offers from other potential lenders.  You've got to qualify for that card, even though you've already passed the first test in the lender's qualification process.

 

 

I doubt that there was a soft pull at the time of your ATM withdrawal.  I think that the offer is based on prior soft pulls of Chase's entire banking customer database.  Just a guess, though.

 

Please let us know how you make out if that message pops up again at the ATM and you go for it!

 

 

Frequent Contributor
Posts: 455
Registered: ‎06-08-2008
0

Re: Chase ATM tells me I'm pre-approved!?

They approved me for $6K at the ATM but it took 5 weeks and 2 CB pulls to get the card but I think it was worth it.

 

 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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. 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.