topic Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message in Credit Card Applications

Chase Marriott Prequalified App - Dreaded 7-10 Day Message

spiritcraft1 — Sun, 17 Nov 2019 17:36:38 GMT

Just for data points. I had the same prequals that many have been seeing with solid APRs. I apped with a 17.74 for and the wheels spun for about 5 seconds before I received the "need more info" message. It seems a couple others with similar scores had instant approvals but I am the prequal is not always solid DP apparently. Two HP's but that is not the end of the world for me at this point.

Pulled TU 648 & EX 640

INQ's: EX 2 TU 4

Less that 1% Utilization

I am 3/24... still

Multiple 6YO Derogs

Chase Business and Personal Customer for 3 Months

Prequals started showing yesterday just like other folks.

I did call the automated line and got the 7-10 day message. I will update when I find out definitive result.

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

Anonymous — Sun, 17 Nov 2019 17:54:45 GMT

There has been a huge chase glitch since last night . Almost all chase members are getting a lot of prequal offers. Some with horrible credit got approved with 20k limits 😳

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

TSlop — Sun, 17 Nov 2019 18:08:26 GMT

@Anonymous wrote:
There has been a huge chase glitch since last night . Almost all chase members are getting a lot of prequal offers. Some with horrible credit got approved with 20k limits 😳

If that is the case, I wish the glitch carried over to me! I've been having the same 3 prequals for what feels like months (United, Marriott and SW). I'm looking to get the Hyatt.

Good luck to the OP!

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

spiritcraft1 — Sun, 17 Nov 2019 18:15:58 GMT

@Anonymous wrote:
There has been a huge chase glitch since last night . Almost all chase members are getting a lot of prequal offers. Some with horrible credit got approved with 20k limits 😳

Are there other sites out there discussing this?

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

CreditCuriosity — Sun, 17 Nov 2019 18:27:04 GMT

@Anonymous wrote:
There has been a huge chase glitch since last night . Almost all chase members are getting a lot of prequal offers. Some with horrible credit got approved with 20k limits 😳

@Anonymous where you reading this at? Source please. APR's are glitchy, but everything else seems to be in order. Yes some people with 640ish scores are getting 5k CL, but that is fairly normal for chase as they arent the most strict lender when it comes to profiles. What they are strick about is 5/24 unless you are indeed pre-qualified/approved which then gets around the rule which has been known for quite sometime. Also havent seen any 20k approvals on this site or DOC with bad profiles. I think I am the highest on this site so far at 19k, but have excellent credit. Be interested on the other site or source you are referring to.

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

Anonymous — Sun, 17 Nov 2019 18:33:32 GMT

It’s all over fb in the credit groups . One called the credit society a lot are talking about the glitch

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

Anonymous — Sun, 17 Nov 2019 18:38:03 GMT

It’s for chase customers and they are basically getting prequalified for a ton of offers they didn’t qualify for. Hundreds of posts about it on Facebook. It’s crazy!

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

spiritcraft1 — Sun, 17 Nov 2019 18:40:41 GMT

@Anonymous wrote:
It’s for chase customers and they are basically getting prequalified for a ton of offers they didn’t qualify for. Hundreds of posts about it on Facebook. It’s crazy!

If that is the case, thank you Chase for the wasted HP's!

I hope no one gets yanked.

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

Anonymous — Sun, 17 Nov 2019 18:43:23 GMT

I hope not either .

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

CreditCuriosity — Sun, 17 Nov 2019 18:43:48 GMT

@Anonymous wrote:
It’s for chase customers and they are basically getting prequalified for a ton of offers they didn’t qualify for. Hundreds of posts about it on Facebook. It’s crazy!

Can you quantify what you mean by awful credit? Below 600's? Or are you talking in the mid 600's getting approved if so as stated chase is known to do this. Be interesting if a glitch, but i doubt it as I certainly got two hp's from it.. Already show on my online account etc. I think 19k for my approval is about right for my profile/income etc and compared to other chase cards and other lenders. I know their have been some denials as well not all are approved from the little info i have found so far on DOC/Reddit.. Havent done any of the facebook groups though.

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

Anonymous — Sun, 17 Nov 2019 18:47:43 GMT

Someone in group had 602 and was approved . A lot the members had prequal for cards they are for 700+. Congrats on ur approval 😌. I don’t bank with chase but thought it was interesting

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

CreditCuriosity — Sun, 17 Nov 2019 18:55:27 GMT

@Anonymous wrote:
Someone in group had 602 and was approved . A lot the members had prequal for cards they are for 700+. Congrats on ur approval 😌. I don’t bank with chase but thought it was interesting

appreciate the info. so not necessaily a glith i could see possibly someone with a 602 being approved for a card at bare min 5k limit on said card or 2k limit if platinum level card of theirs. Depends on scoring model they used as well as 602 could be a fako or a mortgage score where their 08's could be a bit higher, etc.. Certainly something changed with Chase. Whether it was those 3 cards being United, SW, Marriott expanding business is to be determined. Chase usually doesn't make these type mistakes if indeed it is one. Time will tell though i suppose.

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

CivalV — Sun, 17 Nov 2019 19:14:20 GMT

I know 2 people who were denied with good scores. One just opened recent accounts and the other has recent lates. Both were “preapproved” just like myself. I’ve had the offers sitting for weeks now but decided to jump when I was reading up here on the forum last night.

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

Anonymous — Sun, 17 Nov 2019 19:33:30 GMT

Yeah highly doubt there is a glitch with chase. I think it’s just a matter of them promoting cards with various partners around the holidays.

As mentioned in another thread my CSP and freedom offers fell off the table and chase has been lowering APR on the United, Marriott and southwest for past 3 weeks.

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

Remedios — Sun, 17 Nov 2019 21:35:26 GMT

All this talk of glitch...
APRs are glitchy, but those are not cards to carry balances on, so whichever one they happen to slap in there, so be it
As far as approvals themselves, if they are approved, they are approved.
Chase has always done whatever Chase wanted to do. For some, 5/24 is as real as it gets. My Chase cards all came well over that number. They did not seem terribly bothered past the initial few SPs.

As far as approvals with 602, I wonder what else Credit Karma told them is happening with their scores.
Every time I read "Facebook and credit groups" I experience severe brain and body spasms, especially because most are run by "credit repair" hacks.
One could probably get more reliable info from Weather Channel.
I'm super excited to see these approvals given how stingy Chase can be with "fine, you're in"

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

Anonymous — Mon, 18 Nov 2019 04:26:27 GMT

Hey, I recently got the dreaded 7-10 day with my CSP app. But my letter showed up and they wanted me to verify my identity and poof, they approved me on the phone! So it’s not an immediate nail yet.

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

kdm31091 — Mon, 18 Nov 2019 11:57:14 GMT

@Remedios wrote:
As far as approvals themselves, if they are approved, they are approved.

There's always the chance Chase will rescind the cards for those who didn't truly qualify. It happened awhile back when there was tons of hype on the BoA Merrill card, for example. Some got the approvals taken away with an "approved in error" letter being sent out. That wasn't Chase, and I'm not saying it's the norm, but it certainly could happen - hopefully it doesn't, though.

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

AverageJoesCredit — Mon, 18 Nov 2019 12:15:30 GMT

Red pill blue pill

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

spiritcraft1 — Mon, 18 Nov 2019 13:56:50 GMT

@Anonymous wrote:
Hey, I recently got the dreaded 7-10 day with my CSP app. But my letter showed up and they wanted me to verify my identity and poof, they approved me on the phone! So it’s not an immediate nail yet.

Thanks. I guess we will see what happens. I will update the thread.

Re: Chase Marriott Prequalified App - Dreaded 7-10 Day Message

CreditCuriosity — Mon, 18 Nov 2019 14:09:53 GMT

Can call the verification # in Sticky today as well and see if they need any information from you and if they do well you will know if they transfer you to lending not good or just await the letter.