topic Re: Chase Offers -- desktop, iOS, Android? in Credit Card Applications

Chase Offers -- desktop, iOS, Android?

Anonymous — Tue, 19 Dec 2017 14:27:56 GMT

So I read on another forum on a post from 2016 that some people saw totally different Chase "Offers for you" (green checkmark) based on if they logged it on their desktop, an iPhone app, an iPad app (different from their iPhone) and an Android app.

I only checked desktop and iPhone this morning (my iPad and Android devices are at my other home) and they were identical, but I am curious if there are ANY data points from members here who see something different.

If you use Chase for anything (banking, credit, terrible CD rates, etc) and have a desktop login and an app installed, can you see if there are ANY differences between the green checkmark offers shown?

Re: Chase Offers -- desktop, iOS, Android?

Adkins — Tue, 19 Dec 2017 14:34:18 GMT

Huh. I've never thought to look. I'll do so when I have a chance.

Re: Chase Offers -- desktop, iOS, Android?

CreditCuriosity — Tue, 19 Dec 2017 14:44:16 GMT

I think they are pretty unified now. I believe the only thing different is business cards had or have a different feel, but that might be integrated into the same. Awhile ago people on personal accounts depending on person had the old site with no offers and new site with offers section and different look/feel if that is what you are referring to. This was quite some time ago though approx 6 months to a year?

Re: Chase Offers -- desktop, iOS, Android?

Anonymous — Tue, 19 Dec 2017 14:51:17 GMT

@CreditCuriousity wrote:
I think they are pretty unified now. I believe the only thing different is business cards had or have a different feel, but that might be integrated into the same. Awhile ago people on personal accounts depending on person had the old site with no offers and new site with offers section and different look/feel if that is what you are referring to. This was quite some time ago though approx 6 months to a year?

That's what I am guessing because all of the apps look and feel so similar so I assume the marketing section is identical pulls. But the posts online are all well over a year old (I think the most recent was March 2016? Almost 2 years old) so I just wanted to confirm that this was the case. A few data points never hurts plus December is my month to study Chase and American Express data points to put together some notes to share. Stuff gets outdated so quickly if you base things on forum searches, and forget using Reddit for data points when there's so many ridiculously untrue outliers there. "Yeah I have a 490 FICO and I got a $50,000 CSR with a 200K sign up bonus" lol, sure you did.

Re: Chase Offers -- desktop, iOS, Android?

Adkins — Tue, 19 Dec 2017 15:52:11 GMT

There's no difference.

Re: Chase Offers -- desktop, iOS, Android?

Adkins — Tue, 19 Dec 2017 16:01:12 GMT

I did find out the DH has 7,105 UR points. I've never noticed his points tally in the app. And looking at his limits and balances, he needs to move some credit lines around to maximize his utilization. I told him he could do this and got the deer in headlights look. I love ya boo, but we're going to get you set in 2018!

(He's got a freedom, slate & the Amazon card)

Re: Chase Offers -- desktop, iOS, Android?

Anonymous — Tue, 19 Dec 2017 16:03:35 GMT

Haha, those URs are sneaky! I "bank" my URs long term because I'd rather redeem them at 1.5 if I ever get CSR than 1c. So they sit an grow. I regret withdrawing my $150 UR SUB because I had no idea I could let it ride and be worth $225, derp.

The gal I date also is deer in headlights with credit. She's in the 800s and a millennial but she only has 1 credit card I think. Once she pays off her mortgage this year she'll have no installment loans so I suggested Alliant SSL and she said "Why would I want to borrow money and pay it almost all down?"

lol.

Re: Chase Offers -- desktop, iOS, Android?

Adkins — Tue, 19 Dec 2017 16:18:12 GMT

@Anonymous wrote:
Haha, those URs are sneaky! I "bank" my URs long term because I'd rather redeem them at 1.5 if I ever get CSR than 1c. So they sit an grow. I regret withdrawing my $150 UR SUB because I had no idea I could let it ride and be worth $225, derp.

The gal I date also is deer in headlights with credit. She's in the 800s and a millennial but she only has 1 credit card I think. Once she pays off her mortgage this year she'll have no installment loans so I suggested Alliant SSL and she said "Why would I want to borrow money and pay it almost all down?"

lol.

Yeah. That's what I told him about the points, though it might be the CSP for us instead. He's never paid late, ever. But that's the extent he uses & knows about his credit - it's never been important to him. I still need to look at his Amex account.

Re: Chase Offers -- desktop, iOS, Android?

Anonymous — Tue, 19 Dec 2017 16:20:28 GMT

Yeah. That's what I told him about the points, though it might be the CSP for us instead. He's never paid late, ever. But that's the extent he uses & knows about his credit - it's never been important to him. I still need to look at his Amex account.

Most likely I'll have to start with CSP since I have no real high limit cards as it is. If I did start with CSP I'd still bank those points until I could PC to a CSR -- 1.25 -> 1.5 is a 20% increase and worth waiting an extra year for me.

Re: Chase Offers -- desktop, iOS, Android?

Adkins — Tue, 19 Dec 2017 16:46:26 GMT

@Anonymous wrote:
Yeah. That's what I told him about the points, though it might be the CSP for us instead. He's never paid late, ever. But that's the extent he uses & knows about his credit - it's never been important to him. I still need to look at his Amex account.

Most likely I'll have to start with CSP since I have no real high limit cards as it is. If I did start with CSP I'd still bank those points until I could PC to a CSR -- 1.25 -> 1.5 is a 20% increase and worth waiting an extra year for me.

At this time, I can't justify the CSR - we don't travel enough. Although in 3-5 years, this might change. I plan to snag my own freedom one day, and we'll be able to pool our UR points. I'd rather have the higher increase too, but the rewards need to offset the AF.

Re: Chase Offers -- desktop, iOS, Android?

Anonymous — Tue, 19 Dec 2017 16:56:18 GMT

@Adkins wrote:
At this time, I can't justify the CSR - we don't travel enough. Although in 3-5 years, this might change. I plan to snag my own freedom one day, and we'll be able to pool our UR points. I'd rather have the higher increase too, but the rewards need to offset the AF.

The way I calculate the AF is against "expected valuation" not "current valuation".

So if the CSP has an AF of $95, I don't NEED to earn $95 in cash, I just need to earn $95 in "expected valuation". If it earns me say 40,000 URs on spend in a year, it could be $400 in cash to offset the $95 right now, or I can book it as $600 in expected valuation if I bank the points for a future CSR PC.

For me, I'd rather have $600 later than $400 now but I know CSR would work for me.

In your case, 3-5 years doesn't make sense for just a 20% increase. I wouldn't bank URs except towards getting CSP if it's in 1-2 years because 25% increase in valuation is worth waiting 2 years for, not 3-5 though!

Re: Chase Offers -- desktop, iOS, Android?

Adkins — Tue, 19 Dec 2017 17:05:58 GMT

@Anonymous wrote:
@Adkins wrote:
At this time, I can't justify the CSR - we don't travel enough. Although in 3-5 years, this might change. I plan to snag my own freedom one day, and we'll be able to pool our UR points. I'd rather have the higher increase too, but the rewards need to offset the AF.
The way I calculate the AF is against "expected valuation" not "current valuation".

So if the CSP has an AF of $95, I don't NEED to earn $95 in cash, I just need to earn $95 in "expected valuation". If it earns me say 40,000 URs on spend in a year, it could be $400 in cash to offset the $95 right now, or I can book it as $600 in expected valuation if I bank the points for a future CSR PC.

For me, I'd rather have $600 later than $400 now but I know CSR would work for me.

In your case, 3-5 years doesn't make sense for just a 20% increase. I wouldn't bank URs except towards getting CSP if it's in 1-2 years because 25% increase in valuation is worth waiting 2 years for, not 3-5 though!

I have no way to predict travel right now due to toddler. 3-5 years is my best guess. We like to do a car trip to the coast once a year, but that's about it. As relatives age, I'm predicting we'll be flying out to see them in the coming years. Assuming UR points don't expire, the DH has had them for at least 2-3 years at this point. Maybe longer.

Re: Chase Offers -- desktop, iOS, Android?

Sanjo812 — Fri, 05 Jan 2018 19:29:28 GMT

I am seeing the same offers from the app, mobile web and desktop page from my iPad.

It’s just interesting that offers popped up today all of a sudden. There is now a button/link within the app to check for prequalified offers (which isn’t simple to find navigating through the Chase page anymore). Apparently there are no offers for me, BUT when I now click my offers link, there is a Slate and CSP offer even though I just qualified for the FU in October that put me at 5/12... 🤔

Re: Chase Offers -- desktop, iOS, Android?

JoeLuvsHisCredit — Sat, 06 Jan 2018 17:16:57 GMT

+1111111111111111111111

Re: Chase Offers -- desktop, iOS, Android?

Sanjo812 — Sat, 06 Jan 2018 21:14:58 GMT

I went into my local Chase branch to open my Business Checking Account. Once that was complete the banker told me I was pre-approved for both the Ink Preferred and Ink Cash. I told her I would come see her in a few months about one of those because I wanted to know about my CSP offer I saw online.

She didn’t specifically say she saw a pre-approved offer similar to what I saw in my online account / app, but she read me the terms and we submitted the app. Just like my FU a few months ago, they called a credit department and put me on the phone with someone that said they wanted to verify my identity or some details. They didn’t ask me any questions, I think they just wanted to look over the app and confirm that I did put in the application at the branch. I was on hold for no more than 2 minutes. The person came back and said I’ve been approved for a $5,000 SL and should receive my card in 7 - 10 business days.