Chase "Offers" APR Question

dumaine · ‎03-17-2017

Recently I peeked into the "Your Offers" and see that I have 3 offers. Out of curiosity I logged out then went to Chase without logging in and clicked Credit Cards, then "Check for pre qual offers". Filled out all the required info. The same 3 offers are available...BUT....with APR's 6 points lower on all 3. Anyone know why? Thanks!!

Anonymous · ‎03-17-2017

I don't know why...but chase's prequals are pretty solid. You should be pleasantly surprised!

Anonymous · ‎03-17-2017

@dumaine wrote:
Recently I peeked into the "Your Offers" and see that I have 3 offers. Out of curiosity I logged out then went to Chase without logging in and clicked Credit Cards, then "Check for pre qual offers". Filled out all the required info. The same 3 offers are available...BUT....with APR's 6 points lower on all 3. Anyone know why? Thanks!!

Because the prequal checker is not the same thing as 'your offers' in your account... just like how prequals in a branch are not the same thing as either of the ones you can check for yourself from home.

Go for the one with lower rates

Anonymous · ‎03-17-2017

What wanderingbuilder said; and Chase prequels are great indicators of approval odds

Anonymous · ‎03-18-2017

Can you get pre-quals on the check your offer site if you are over 5/24 and if you don't have any offers in the "your offers" section? I never check that.

Anonymous · ‎03-18-2017

I haven't seen people posting that they've gotten prequals through the generic Chase site. Been either from already have a Chase account and getting it on their offers page, or people going into a branch to see

dumaine · ‎03-18-2017

@Anonymous wrote:
@dumaine wrote:
Recently I peeked into the "Your Offers" and see that I have 3 offers. Out of curiosity I logged out then went to Chase without logging in and clicked Credit Cards, then "Check for pre qual offers". Filled out all the required info. The same 3 offers are available...BUT....with APR's 6 points lower on all 3. Anyone know why? Thanks!!
Because the prequal checker is not the same thing as 'your offers' in your account... just like how prequals in a branch are not the same thing as either of the ones you can check for yourself from home.

Go for the one with lower rates

Thanks.....that is about what I figured...just curious!!

Anonymous · ‎03-18-2017

@Anonymous wrote:
I haven't seen people posting that they've gotten prequals through the generic Chase site. Been either from already have a Chase account and getting it on their offers page, or people going into a branch to see

This is how I applied from my freedom last week. I didn't have any offers on the my offers page, and I checked on chase.com/prequalified. But I think that page will only prequalify you for slate, freedom and CSP.