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

My First Chase CC Mail Offer - Ever - For Marriott CC

HI

 

There was a tremor in the force over the weekend Smiley Very Happy as I received my first ever Chase pre-approved direct mail offer. 

 

I applied 2x about 18 months ago and was turned down both times and haven't even been to their website since.  I have my checking acct with them and I don't trust the  Chase CC offers.  

 

Before my 2 most recent CC approvals post to my CR, I would not mind pulling the trigger but I don't think I have a chance for approval when 2 new cards post any day now so I would have to act quickly.

 

So many Forum members have knowledge of Chase - what is my chance of getting a Chase card if I respond to their offer?

Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
0

Re: My First Chase CC Mail Offer - Ever - For Marriott CC

 


Scuba wrote:

HI

 

There was a tremor in the force over the weekend Smiley Very Happy as I received my first ever Chase pre-approved direct mail offer. 

 

I applied 2x about 18 months ago and was turned down both times and haven't even been to their website since.  I have my checking acct with them and I don't trust the  Chase CC offers.  

 

Before my 2 most recent CC approvals post to my CR, I would not mind pulling the trigger but I don't think I have a chance for approval when 2 new cards post any day now so I would have to act quickly.

 

So many Forum members have knowledge of Chase - what is my chance of getting a Chase card if I respond to their offer?


 

 

What does your scores look like? What other cards do you have? Which other cards did you recently get? How many Inq?

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Frequent Contributor
Posts: 455
Registered: ‎06-08-2008
0

Re: My First Chase CC Mail Offer - Ever - For Marriott CC

I think they pull EX in CA and I don't know that one but TU is 726 (I had to have > balances post to get it) otherwise it is 721. . . . go figure.  Bunches of old baddies 3 years ago nothing since and never again.

 

EQ is 700 but one more inquiry here (like Discover) and I slip below 700 for 6 monts so I have to be careful.

 

Inquiries are 2 on TU, 0 on EQ and 4 on EX as everyone seems to pull EX and that is what I think they will look at.  I bet when they softed me for the offer I only had 1 inquiry on EX.

 

3% utility.  When my 2 new accoutns post very soon, I will loose points for 6 months I bet.

Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
0

Re: My First Chase CC Mail Offer - Ever - For Marriott CC

What other credit cards do you own?

Which ones did you recently get approved for?

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Frequent Contributor
Posts: 455
Registered: ‎06-08-2008
0

Re: My First Chase CC Mail Offer - Ever - For Marriott CC

I don't even have the card yet but about 2 weeks ago I was approved for a Barclay Spirit Air (I wouldnt ecomend it) got a low balance 2K and high interest rate if I dont get the card, I am not going to call them that is how disapointed I am in them.

 

A CU card I expext this week and I now am back with US Bank - both of which I expect to post soon on the CR.

 

US Bank is a low line but since they are, IMO, uber prine, I can live with that. 

Highlighted
Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
0

Re: My First Chase CC Mail Offer - Ever - For Marriott CC

Barclay's HOLD TIGHT, don't apply for anything for the next few months...

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
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.