Question about Chase prescreened offers

Johnnyblaze1986 · ‎06-26-2014

Question, I got a prescreened offer from chase for a chase freedom credit card with 13.99% variable apr after the 0% apr intro, and I was wondering if it's a definite that I will get the variable apr of 13.99% if I apply and get approved, or it's just a bait to get me to apply?

Current Score: EX: 802 TU: 793 EQ: 790 / Last App: 04/11/2014 / In the garden until I find a house I like.

Closingracer99 · ‎06-26-2014

Yes... If that's what they offered. That's how I got my 19.99% apr with my discover card since it was one of those letters

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

j_casteel · ‎06-26-2014

@Johnnyblaze1986 wrote:
Question, I got a prescreened offer from chase for a chase freedom credit card with 13.99% variable apr after the 0% apr intro, and I was wondering if it's a definite that I will get the variable apr of 13.99% if I apply and get approved, or it's just a bait to get me to apply?

Chase offers are usually pretty good in correlation with approvals....of course YMMV, but i'd say go for it.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

-NewGuy- · ‎06-26-2014

If the offer says 'Your APR will be X' as opposed to 'Your APR will be X, Y, or Z depending on creditworthiness' then that's what they should give you.

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Johnnyblaze1986 · ‎06-26-2014

@j_casteel wrote:
@Johnnyblaze1986 wrote:
Question, I got a prescreened offer from chase for a chase freedom credit card with 13.99% variable apr after the 0% apr intro, and I was wondering if it's a definite that I will get the variable apr of 13.99% if I apply and get approved, or it's just a bait to get me to apply?
Chase offers are usually pretty good in correlation with approvals....of course YMMV, but i'd say go for it.

Yeah, I was going to apply until I noticed that the home improvement category is now over. Just made an offer on a house a few days ago, and that 5% would have definitely come in handy.

Current Score: EX: 802 TU: 793 EQ: 790 / Last App: 04/11/2014 / In the garden until I find a house I like.

-NewGuy- · ‎06-26-2014

@Johnnyblaze1986 wrote:
@j_casteel wrote:
@Johnnyblaze1986 wrote:
Question, I got a prescreened offer from chase for a chase freedom credit card with 13.99% variable apr after the 0% apr intro, and I was wondering if it's a definite that I will get the variable apr of 13.99% if I apply and get approved, or it's just a bait to get me to apply?
Chase offers are usually pretty good in correlation with approvals....of course YMMV, but i'd say go for it.
Yeah, I was going to apply until I noticed that the home improvement category is now over. Just made an offer on a house a few days ago, and that 5% would have definitely come in handy.

If you are house shopping then I would not be apping until escrow has closed and you are done.

Guide to travel cards

Johnnyblaze1986 · ‎06-26-2014

@-NewGuy- wrote:
@Johnnyblaze1986 wrote:
@j_casteel wrote:
@Johnnyblaze1986 wrote:
Question, I got a prescreened offer from chase for a chase freedom credit card with 13.99% variable apr after the 0% apr intro, and I was wondering if it's a definite that I will get the variable apr of 13.99% if I apply and get approved, or it's just a bait to get me to apply?
Chase offers are usually pretty good in correlation with approvals....of course YMMV, but i'd say go for it.
Yeah, I was going to apply until I noticed that the home improvement category is now over. Just made an offer on a house a few days ago, and that 5% would have definitely come in handy.
If you are house shopping then I would not be apping until escrow has closed and you are done.

I wasn't going to apply until I closed on the property, if my offer was accepted. My closing date is set for the 3rd of July (the house is empty), and the prescreened offer said I had until the 28th of juyl to apply.

Current Score: EX: 802 TU: 793 EQ: 790 / Last App: 04/11/2014 / In the garden until I find a house I like.

-NewGuy- · ‎06-26-2014

@Johnnyblaze1986 wrote:
@-NewGuy- wrote:
@Johnnyblaze1986 wrote:
@j_casteel wrote:
@Johnnyblaze1986 wrote:
Question, I got a prescreened offer from chase for a chase freedom credit card with 13.99% variable apr after the 0% apr intro, and I was wondering if it's a definite that I will get the variable apr of 13.99% if I apply and get approved, or it's just a bait to get me to apply?
Chase offers are usually pretty good in correlation with approvals....of course YMMV, but i'd say go for it.
Yeah, I was going to apply until I noticed that the home improvement category is now over. Just made an offer on a house a few days ago, and that 5% would have definitely come in handy.
If you are house shopping then I would not be apping until escrow has closed and you are done.
I wasn't going to apply until I closed on the property, if my offer was accepted. My closing date is set for the 3rd of July (the house is empty), and the prescreened offer said I had until the 28th of juyl to apply.

OK cool. Just checking, wanted to be safe

Guide to travel cards

wacdenney · ‎06-26-2014

@Johnnyblaze1986 wrote:
@j_casteel wrote:
@Johnnyblaze1986 wrote:
Question, I got a prescreened offer from chase for a chase freedom credit card with 13.99% variable apr after the 0% apr intro, and I was wondering if it's a definite that I will get the variable apr of 13.99% if I apply and get approved, or it's just a bait to get me to apply?
Chase offers are usually pretty good in correlation with approvals....of course YMMV, but i'd say go for it.
Yeah, I was going to apply until I noticed that the home improvement category is now over. Just made an offer on a house a few days ago, and that 5% would have definitely come in handy.

Home Depot and Lowes both give 5% off at checkout.

PokemonMaster · ‎06-26-2014

@Johnnyblaze1986 wrote:
Question, I got a prescreened offer from chase for a chase freedom credit card with 13.99% variable apr after the 0% apr intro, and I was wondering if it's a definite that I will get the variable apr of 13.99% if I apply and get approved, or it's just a bait to get me to apply?

That's how I got 13.99% on mine. I applied via a prescreened offer online and after faxing over some documents was approved with the promised 13.99% APR. Chase had been sending me offers in the mail for the CSP, Slate, and Freedom for a few months though.