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Received invitation from Chase but no special offers?

Established Contributor

Received invitation from Chase but no special offers?

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.


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 1 of 6
5 REPLIES
Established Contributor

Re: Received invitation from Chase but no special offers?

And today they send me an offer for Slate. Chase, stop playing head games with me. Smiley Frustrated


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 2 of 6
Frequent Contributor

Re: Received invitation from Chase but no special offers?

I dont think that no offers means you wont be approved. I just checked myself and was not offered anything. I do have a chase card that I got last year and my credit report looks much better today than it did when I was approved for that chase card.  As far as approved for offers, YMMV as I was denied a wells fargo card even though it was in my offers online and a banker mentioned it when I was in the branch...


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $12k United Explorer-$5k
Message 3 of 6
Established Contributor

Re: Received invitation from Chase but no special offers?

I see. Thanks. I'll continue to play the waiting game a bit longer so I can get better terms.


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 4 of 6
Established Member

Re: Received invitation from Chase but no special offers?

I received an invitation for the Slate and the Freedom. I applied for the Slate first and was approved, ten days later I applied for the Freedom and was also approved. Both card have a $4500 credit line....

Message 5 of 6
Valued Contributor

Re: Received invitation from Chase but no special offers?


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)
Message 6 of 6