@Simply827 wrote:
A couple of weeks ago I got an invitation to apply for Chase Freedom. It did have an opt-out notice on it. Just out of curiosity I decided to check my special offers on the Chase website. I was told they didn't have anything for me. Does this mean that I would have been denied if I had accepted the invite and applied? Also for the future, if anything ever pops up under special offers, should I take that as a sign I'm likely to be approved? Thanks.
I wouldn't read too much into it. Computers go through and scan the credit reports of people, if you pass their initial sniff test algorithm (whatever it may be) they might send you a preapproval offer. It is no guarantee of approval in any way, but I think it's fair to say if you were targetted that you have a better chance of approval.
TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)
J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Starting Score: 515
