topic Re: United Website Explorer Pre-Approval Is It Real? in Credit Card Applications

United Website Explorer Pre-Approval Is It Real?

ThomasJNewton — Sat, 18 Mar 2023 17:33:58 GMT

Just happened to look at my United Account, and noticed that there was a United Explorer pre-approval ad. The two previous times I applied (35 years ago for a United Mileage Plus First Card and 25 years ago for whichever card it was at the time), I was denied. I would not want to bother applying unless approval was as close to certain as one can get with these things. My question is is there a way to confim on the Chase side that that pre-approval shows up? I do not have any account with Chase currently, and I have never seen a pre-approval page that did not require that one was already a customer to receive offers from them.

Anyone know how I can check?

Re: United Website Explorer Pre-Approval Is It Real?

GZG — Sat, 18 Mar 2023 17:42:10 GMT

if you sign up for Chase's free credit monitoring, credit journey, you should be able to see an offers tab to see if there are any preapprovals under the 'offers' tab there from Chase for you

no idea if that page would show airline cards though, but it might be an indication if Chase is extremely likely to approve you if they are pre-approving you for something else

that's as close as you're going to get to a completely certain approval, afaik

Re: United Website Explorer Pre-Approval Is It Real?

ThomasJNewton — Sun, 19 Mar 2023 20:43:05 GMT

@GZG wrote:
if you sign up for Chase's free credit monitoring, credit journey, you should be able to see an offers tab to see if there are any preapprovals under the 'offers' tab there from Chase for you.

Thanks! I did not know that one could join if one was not a customer.

no idea if that page would show airline cards though, but it might be an indication if Chase is extremely likely to approve you if they are pre-approving you for something else

I know that on my B/F’s Chase account, it shows offers for both a Southwest CattleCar Card, and one of the United ones, so I would guess it would show it.

that's as close as you're going to get to a completely certain approval, afaik

That would be close enough for my needs.

Re: United Website Explorer Pre-Approval Is It Real?

nytokyobred79 — Sun, 19 Mar 2023 12:52:38 GMT

@ThomasJNewton wrote:
@GZG wrote:
if you sign up for Chase's free credit monitoring, credit journey, you should be able to see an offers tab to see if there are any preapprovals under the 'offers' tab there from Chase for you.
Thanks! I did not know that one could join if one was not a customer.

no idea if that page would show airline cards though, but it might be an indication if Chase is extremely likely to approve you if they are pre-approving you for something else
I know that on my B/F’s Chase account, it shows offers for both a Southwest Cattle Card, and one of the United ones, so I would guess it would show it.

that's as close as you're going to get to a completely certain approval, afaik
That would be close enough for my needs.

I remember when I started to get pre approvals for Chase cards last year in mobile app/website with the United card showing up, it also showed up as pre-approved on United's mobile app as well. So if you can cross check with Chase, you may get a better idea. Also, did it have a fixed APR as well? I know that mine did but I also had a Chase card at the time so that could have been an extra factor.

Re: United Website Explorer Pre-Approval Is It Real?

SouthJamaica — Sun, 19 Mar 2023 16:45:32 GMT

@ThomasJNewton wrote:
Just happened to look at my United Account, and noticed that there was a United Explorer pre-approval ad. The two previous times I applied (35 years ago for a United Mileage Plus First Card and 25 years ago for whichever card it was at the time), I was denied. I would not want to bother applying unless approval was as close to certain as one can get with these things. My question is is there a way to confim on the Chase side that that pre-approval shows up? I do not have any account with Chase currently, and I have never seen a pre-approval page that did not require that one was already a customer to receive offers from them.

Anyone know how I can check?

I don't think so. I don't think the airline cards usually show up on the preapprovals page.

Re: United Website Explorer Pre-Approval Is It Real?

ThomasJNewton — Sun, 19 Mar 2023 17:22:02 GMT

@SouthJamaica wrote:

I don't think so. I don't think the airline cards usually show up on the preapprovals page.

I just checked again, and on my BF's credit card pre-approval page, he gets both a United Explorer card and a Southwest Rapid Rewards card. I just did not know that one could join Credit Journey without being a Chase account holder.

Re: United Website Explorer Pre-Approval Is It Real?

OmarGB9 — Sun, 19 Mar 2023 18:56:54 GMT

@ThomasJNewton wrote:
@GZG wrote:
if you sign up for Chase's free credit monitoring, credit journey, you should be able to see an offers tab to see if there are any preapprovals under the 'offers' tab there from Chase for you.
Thanks! I did not know that one could join if one was not a customer.

no idea if that page would show airline cards though, but it might be an indication if Chase is extremely likely to approve you if they are pre-approving you for something else
I know that on my B/F’s Chase account, it shows offers for both a Southwest Cattle Card, and one of the United ones, so I would guess it would show it.

that's as close as you're going to get to a completely certain approval, afaik
That would be close enough for my needs.

Didn't know Chase got into the ranch business!

Anyway, I don't know that Chase's partner's website "preapprovals" are true preapprovals. I would think they're more like offers to apply, as they wouldn't have even SP access to credit reports.

Re: United Website Explorer Pre-Approval Is It Real?

ThomasJNewton — Sun, 19 Mar 2023 20:53:17 GMT

@OmarGB9 wrote:
@ThomasJNewton wrote:
I know that on my B/F’s Chase account, it shows offers for both a Southwest Cattle Card, and one of the United ones, so I would guess it would show it.
Didn't know Chase got into the ranch business!

Sorry, that should have said: Southwest CattleCar Card (now corrected)

Anyway, I don't know that Chase's partner's website "preapprovals" are true preapprovals. I would think they're more like offers to apply, as they wouldn't have even SP access to credit reports.

That was the reasons for my question in the first place. The way that would make it work is if they provide the information on each potential customer back to Chase and then Chase did the pre-qualify and passed their results back to United. Now that I know I can join Credit Journey, I will do that when I am ready to consider applying. Currently 0/96, but only have one card, so I have some room. Need to decide what card or cards I want to add and then check for pre-approvals.

Re: United Website Explorer Pre-Approval Is It Real?

Mdowning30 — Mon, 20 Mar 2023 15:07:39 GMT

They have a good offer, $250 statement credit along with 25K miles bonus.

Re: United Website Explorer Pre-Approval Is It Real?

ThomasJNewton — Tue, 21 Mar 2023 14:31:51 GMT

I just checked my Transunion and Equifax accounts, and do not see any soft pulls from Chase, so I am guessing that the pre-approved offer is not real, however, I will be signing up for Credit Journey sometime soon and then I can see if Chase has any offers for me. :-)

Re: United Website Explorer Pre-Approval Is It Real?

missmama — Tue, 04 Apr 2023 06:38:23 GMT

@ThomasJNewton wrote:
I just checked my Transunion and Equifax accounts, and do not see any soft pulls from Chase, so I am guessing that the pre-approved offer is not real, however, I will be signing up for Credit Journey sometime soon and then I can see if Chase has any offers for me. :-)

just an fyi... when I got my Chase card I didn't know I had to signup for credit journey to start it. When I did figure it out and signed up, it took a while before it actually started to show anything. So you may want to sign up ahead of time to be sure its working when you want to use it.

Re: United Website Explorer Pre-Approval Is It Real?

ThomasJNewton — Tue, 04 Apr 2023 14:45:18 GMT

@missmama wrote:

just an fyi... when I got my Chase card I didn't know I had to signup for credit journey to start it. When I did figure it out and signed up, it took a while before it actually started to show anything. So you may want to sign up ahead of time to be sure its working when you want to use it.

I signed up for it last Monday, so I now have 2 scores in my history (733 last week and 752 this week). While it was working, their pre-approval site showed pre-approvals for Freedom Flex, Freedom Unlimited, and Slate. It seems to be broken right now, as does the section that make offers based on Credit Journey and the section that offers a plan to increase one's score.

Re: United Website Explorer Pre-Approval Is It Real?

M_Smart007 — Tue, 04 Apr 2023 15:59:11 GMT

@ThomasJNewton wrote:
@missmama wrote:

just an fyi... when I got my Chase card I didn't know I had to signup for credit journey to start it. When I did figure it out and signed up, it took a while before it actually started to show anything. So you may want to sign up ahead of time to be sure its working when you want to use it.
I signed up for it last Monday, so I now have 2 scores in my history (733 last week and 752 this week). While it was working, their pre-approval site showed pre-approvals for Freedom Flex, Freedom Unlimited, and Slate. It seems to be broken right now, as does the section that make offers based on Credit Journey and the section that offers a plan to increase one's score.

@ThomasJNewton,

Right now Chase is having "Technical Difficulties" as posted in another thread.

I am sure they will get it resolved in a reasonable amount of time.

Re: United Website Explorer Pre-Approval Is It Real?

Beefy1212 — Tue, 04 Apr 2023 22:49:48 GMT

@ThomasJNewton wrote:
I just checked my Transunion and Equifax accounts, and do not see any soft pulls from Chase, so I am guessing that the pre-approved offer is not real, however, I will be signing up for Credit Journey sometime soon and then I can see if Chase has any offers for me. :-)

I am pretty certain Chase is Experian...

Re: United Website Explorer Pre-Approval Is It Real?

ThomasJNewton — Wed, 05 Apr 2023 03:32:17 GMT

@Beefy1212 wrote:
I am pretty certain Chase is Experian...

There are some soft inquiries from Experian, so I guess it is possible. After registering for Credit Journey, for the short time that Pre-approvals were working, I was offered Freedom Flex, Freedom Unlimited, and Slate, but not Quest or Explorer. Maybe it is real. :-)

Re: United Website Explorer Pre-Approval Is It Real?

ThomasJNewton — Thu, 06 Apr 2023 20:43:28 GMT

@M_Smart007 wrote:
@ThomasJNewton,
Right now Chase is having "Technical Difficulties" as posted in another thread.
I am sure they will get it resolved in a reasonable amount of time.

Still broken. I am not sure Wonder how long a "reasonable amount of time" will be. :-D I know in general the following definitions seem to apply:

I am waiting for you: A reasonable amount of time is under 1 minute.

You are waiting for me: A reasonable amount of time is from now until just before H*ll freezes over.