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Jaxavier
New Contributor

Chase

How sure of a thing is it when you have Eligible Offers when going through the prequalified section of the chase website? Anyone know who they tend to pull in PA?

Message 1 of 30
29 REPLIES 29
enharu
Super Contributor

Re: Chase

Pre-approvals are just rough estimates. They are by no means accurate indicators of approval odds.

Check credit pulls database or who gave me credit.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 2 of 30
yudeology101
Senior Contributor

Re: Chase


@enharu wrote:
Pre-approvals are just rough estimates. They are by no means accurate indicators of approval odds.

Check credit pulls database or who gave me credit.

+1.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 3 of 30
coldnmn
Mega Contributor

Re: Chase

Try whogavemecredit.com and 'creditpulls' to see how others have done with similar scores. Scores aren't everything they look at your whole history bu it will give you an idea.

Edit:website , Lexie
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 4 of 30
Jaxavier
New Contributor

Re: Chase

Thank you.  Checked out whogavemecredit, but wondering how accurate that even is.  I see denials with high scores, and approvals with lows so something else is in the mix, plus can't always tell which report they pulled.  FICO from auto lender put me at 760 and FAKO at 705 but IDK what Chase will see on the real score.

Message 5 of 30
Jaxavier
New Contributor

Re: Chase

Creditpulls helped some more.  Thank you everyone for suggestions.

Message 6 of 30
coldnmn
Mega Contributor

Re: Chase


@Jaxavier wrote:

Thank you.  Checked out whogavemecredit, but wondering how accurate that even is.  I see denials with high scores, and approvals with lows so something else is in the mix, plus can't always tell which report they pulled.  FICO from auto lender put me at 760 and FAKO at 705 but IDK what Chase will see on the real score.


They look at the whole file the high scores might have gotten a bunch of new cards and inquires and listed a faco scores. The low score could have been using Fico score and low inquires. Credit pulls tell who pulled from what credit agency  in the state.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 7 of 30
Jaxavier
New Contributor

Re: Chase

coldnmn--

 

Yes, creditpulls is a nicer database to search.  Seems though they pull TU for my state and TU seems to always lag behind the other two in updating so have to wait for balances (which will put utl on revolving from 35% down to 15% to update, but also concerned about inquiries as I've got 6 spread out over last 18 months. 

 

Does anyone know if you apply for one card but are not approved, do they/could they offer a lessor card?

Message 8 of 30
coldnmn
Mega Contributor

Re: Chase

FYI From what I have read Freedom seems to be the card most have an easier chance of approval.  YMMV

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 9 of 30
coldnmn
Mega Contributor

Re: Chase


@Jaxavier wrote:

coldnmn--

 

Yes, creditpulls is a nicer database to search.  Seems though they pull TU for my state and TU seems to always lag behind the other two in updating so have to wait for balances (which will put utl on revolving from 35% down to 15% to update, but also concerned about inquiries as I've got 6 spread out over last 18 months. 

 

Does anyone know if you apply for one card but are not approved, do they/could they offer a lessor card?


Inquires hold less weight after 6 months and after a year not figured into your credit score. After 2 years no longer on your credit report.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 10 of 30
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