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Chase pre approval/underwriting differences

Frequent Contributor

Chase pre approval/underwriting differences

Under the Chase see your card offers it shows I have been preapproved for CSP, Freedom and Slate. I would prefer one of their hotel reward cards. Does anyone know if they are more strict on their own cards, or the co-branded cards..

 

Lastly, how accurate is that preapproval page?

Message 1 of 7
6 REPLIES
Valued Contributor

Re: Chase pre approval/underwriting differences

The CSP I believe is their hardest card to get approved for as it carries a minimum 5k CL, I would assume if you're preapproved for it that you could get any of them.

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 2 of 7
Frequent Contributor

Re: Chase pre approval/underwriting differences

>>>Lastly, how accurate is that preapproval page?

 

I'd say, that even if you don't have a preapproval on Chase website, you can still get a card. I asked a very similar question not a long ago, as I had no preapproval for CSP and was wondering if I can qualify. Went fine, instant approval. 

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colonSmiley Wink Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Message 3 of 7
Frequent Contributor

Re: Chase pre approval/underwriting differences

Thank you both!!

Message 4 of 7
Valued Contributor

Re: Chase pre approval/underwriting differences

I had nothing on the Chase page and applied and was approved for the CSP last week

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 5 of 7
Contributor

Re: Chase pre approval/underwriting differences

Have never gotten a Chase preapproval offer.  Just got approved instantly for the United card with a $9,000 limit (I bank with Chase and have a $300 student card that I haven't used in months).  Really, I never get preapprovals for anything except BofA and a bunch of really subprime cards, but I have never been declined for a card when I applied. Most approvals have been instant or almost-instant (5 minute online chat for Citi, pending then app status approved for the Delta).  Discover, PRG and Unted were straight instant approval).

 

 Not sure how it works.

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Message 6 of 7
Moderator Emeritus

Re: Chase pre approval/underwriting differences


mikka1 wrote:

>>>Lastly, how accurate is that preapproval page?

 

I'd say, that even if you don't have a preapproval on Chase website, you can still get a card. I asked a very similar question not a long ago, as I had no preapproval for CSP and was wondering if I can qualify. Went fine, instant approval. 


Quite true. My DH didn't have a preapproval on Chase's website (yes, we checked first), but he apped anyway for the Freedom and was approved.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 7 of 7