topic Re: Chase Offers in Credit Card Applications

Chase Offers

degs138 — Tue, 31 Jan 2017 18:20:59 GMT

Logged into my account today and I have two offers from Chase. One is the Chase Unlimited and the second is the Chase Slate. How realisitic are these offeres directly from Chase on their website? Is it pretty much a guarantee? I've wanted the chase Unlimited for a while now as I can then get rid of my QS. Id like to do the Chase Slate as well because I'm planning a home improvement project in a month and being able to purchase and then transfer the debt onto a 0% card for free for 15 months would be great.

I'd hope for both but I'd probably try for slate first. Does anyone have experiance with using the online offers. This is what the scren looks like.

Logged into my

Re: Chase Offers

Anonymous — Tue, 31 Jan 2017 18:41:02 GMT

I have found Chase pre-qualifies to be solid. Of course there aren't any guarantees but when you have an offer especially when it's a specific APR versus the normal range, baring any major decline in your CR's you should be fine. Even though the Slate isn't worth much unless you're transferring a balance Chase combines pulls, I applied for my freedom unlimited and minutes later CSP and there was one pull. Good luck

Re: Chase Offers

degs138 — Tue, 31 Jan 2017 18:48:24 GMT

I'd like to app for both. That way I can build my UR points up again. I would take advantage of the balance transfer. My credit is solid with no lates or defaults or anything negitive on my report. The only thing that worries me is that I've opened 6 cards in the last 2 years. One of them being the CSP. I also have a mortgage opened last May. I know their 5/24 rule but I have heard they break it for people that have been very responsible with the cards they have through Chase.

Re: Chase Offers

Anonymous — Tue, 31 Jan 2017 19:10:59 GMT

Since you're past the 5/24 rule I'd bet you wouldn't get an instant approval, Chase has very resonable people within their recon group. I'd say go for it, you just got a mortgage so you can afford 2-4 HP points.

Re: Chase Offers

EAJuggalo — Tue, 31 Jan 2017 19:37:23 GMT

I took an offer for the FU a couple months ago while I was over 5/24. I think I was actually at 7/10 and it went through without a hiccup.

Re: Chase Offers

Anonymous — Tue, 31 Jan 2017 19:42:01 GMT

@AriaIzadi wrote:
Since you're past the 5/24 rule I'd bet you wouldn't get an instant approval, Chase has very resonable people within their recon group. I'd say go for it, you just got a mortgage so you can afford 2-4 HP points.

Your wrong, prequals in the "your offers" bypass the 5/24 rule. Many data points to prove this, he likely would be instantly approved.

Re: Chase Offers

Anonymous — Tue, 31 Jan 2017 19:52:29 GMT

Didn't know your offers exclude 5/24, good to know

Re: Chase Offers

Anonymous — Wed, 01 Feb 2017 15:48:13 GMT

To apply for both online you will probably get locked in a 30 day pattern. If you need both before March, might need a branch visit

Re: Chase Offers

degs138 — Wed, 01 Feb 2017 15:55:05 GMT

If I app for Slate first and get instant approval then app for Unlimited. I should get slate in the mail within 5-7 days right? I may have to wait for unlimited though right?

Re: Chase Offers

degs138 — Wed, 01 Feb 2017 16:11:52 GMT

Just Applied and was approved for 6.2K, kind of low if you ask me but I am going to recon when I get the card. Should I app for FU now?

Re: Chase Offers

Anonymous — Wed, 01 Feb 2017 17:47:26 GMT

@degs138 wrote:
Just Applied and was approved for 6.2K, kind of low if you ask me but I am going to recon when I get the card. Should I app for FU now?

You should be good to go, Slate limits are always low. I would just move some of your available credit over to the Slate and then take advantage of the Balance Transfer.

Re: Chase Offers

Jerry45 — Thu, 02 Feb 2017 16:55:45 GMT

@degs138 wrote:
Just Applied and was approved for 6.2K, kind of low if you ask me but I am going to recon when I get the card. Should I app for FU now?

Congrats on the Slate!

Re: Chase Offers

degs138 — Thu, 02 Feb 2017 19:12:11 GMT

How long do I have to app for the FU and only get one hard pull.

Re: Chase Offers

Anonymous — Sat, 11 Feb 2017 01:12:54 GMT

@degs138 wrote:
How long do I have to app for the FU and only get one hard pull.

What's the latest update? Did you end up applying for the FU?

Re: Chase Offers

degs138 — Sat, 11 Feb 2017 03:02:33 GMT

No, going to do that soon though.

Re: Chase Offers

Anonymous — Sat, 11 Feb 2017 08:51:36 GMT

I think only the same day. Probably too late now as it is after midnight for the combined pull. (Unless chase is different than others who combine pulls-maybe someone will correct me if I am wrong)

Re: Chase Offers

kdm31091 — Sun, 12 Feb 2017 00:48:44 GMT

It's not Chase combining the pulls. It is the bureau a assuming they are a duplicate. Chase, or whoever, doesn't intentionally combine hard pulls. As far as they are concerned they pull for each product.

Re: Chase Offers

Anonymous — Sun, 12 Feb 2017 08:45:59 GMT

I wonder if cc companies have people who read these forums? Lol.

Re: Chase Offers

Anonymous — Sun, 12 Feb 2017 12:34:14 GMT

Are all the ones in the "Your Offers" prequals?

Re: Chase Offers

degs138 — Sun, 12 Feb 2017 13:43:43 GMT

Yes, they are all pre-quals. I really wanted the CSR but I never got a pre qual for that card. Now that it doesn't have the 1k sign up bonus I'm over it.