topic Re: Chase Application Questions in Credit Card Applications

Chase Application Questions

Absolution16 — Thu, 06 Apr 2023 03:36:20 GMT

I've got a few questions for reference for future Chase application:

This screenshot below shows the message "you're already approved" with a determined APR but no CL listed. Assuming no drastic change in credit profile from the time Chase obtained my information, I understand this is pretty much a solid approval, correct?

What I am pondering is.... would the application be treated differently, in terms of recognizing or not recognizing the pre-approval offer, if I go apply using another link provided via 3rd party site, in this case, through Doctor of Credit, like this one, with extra 10k mile SUB?

Also, I am finding minor differences at the bottom of each application page under the section named "Certifications." On the page accessed through Chase "Just for You" section as shown on 1st screenshot, there is this set of wording included:

Does this wording mean that the application process works just like AMEX, where once you click on the submit button, you will be given acceptance or denial, with CL and APR finalized, with a chance to accept or deny the offer without incurring a HP first?

Since the page as shown on 2nd screenshot, does not contain the above set of wordings, am I correct in assuming that once you click the submit button there, it will work just like every other credit card application, automatically resulting in an instant HP?

Re: Chase Application Questions

7774x — Thu, 06 Apr 2023 04:51:04 GMT

@Absolution16 wrote:
I've got a few questions for reference for future Chase application:

This screenshot below shows the message "you're already approved" with a determined APR but no CL listed. Assuming no drastic change in credit profile from the time Chase obtained my information, I understand this is pretty much a solid approval, correct?

What I am pondering is.... would the application be treated differently, in terms of recognizing or not recognizing the pre-approval offer, if I go apply using another link provided via 3rd party site, in this case, through Doctor of Credit, like this one, with extra 10k mile SUB?

Also, I am finding minor differences at the bottom of each application page under the section named "Certifications." On the page accessed through Chase "Just for You" section as shown on 1st screenshot, there is this set of wording included:

Does this wording mean that the application process works just like AMEX, where once you click on the submit button, you will be given acceptance or denial, with CL and APR finalized, with a chance to accept or deny the offer without incurring a HP first?

Since the page as shown on 2nd screenshot, does not contain the above set of wordings, am I correct in assuming that once you click the submit button there, it will work just like every other credit card application, automatically resulting in an instant HP?

Give Chase a call ...explain situation, ask if HP after accepting terms.. ask can you get the 60,000 miles .. I got mine , with HP... said before ..seems Chase is agressively looking for new business

Re: Chase Application Questions

SouthJamaica — Thu, 06 Apr 2023 15:28:26 GMT

@Absolution16 wrote:
I've got a few questions for reference for future Chase application:

This screenshot below shows the message "you're already approved" with a determined APR but no CL listed. Assuming no drastic change in credit profile from the time Chase obtained my information, I understand this is pretty much a solid approval, correct?

What I am pondering is.... would the application be treated differently, in terms of recognizing or not recognizing the pre-approval offer, if I go apply using another link provided via 3rd party site, in this case, through Doctor of Credit, like this one, with extra 10k mile SUB?

Also, I am finding minor differences at the bottom of each application page under the section named "Certifications." On the page accessed through Chase "Just for You" section as shown on 1st screenshot, there is this set of wording included:

Does this wording mean that the application process works just like AMEX, where once you click on the submit button, you will be given acceptance or denial, with CL and APR finalized, with a chance to accept or deny the offer without incurring a HP first?

Since the page as shown on 2nd screenshot, does not contain the above set of wordings, am I correct in assuming that once you click the submit button there, it will work just like every other credit card application, automatically resulting in an instant HP?

It's a preapproval, not an approval. Yes it will result in one or two HP's.

It's a strong preapproval.

I don't think you can get any assurance that you will get the higher SUB if you do not go through the Doctor of Credit site, but with a strong preapproval like that I think your chances of approval are the same.

Re: Chase Application Questions

fury1995 — Thu, 06 Apr 2023 23:40:35 GMT

@SouthJamaica wrote:
@Absolution16 wrote:

Also, I am finding minor differences at the bottom of each application page under the section named "Certifications." On the page accessed through Chase "Just for You" section as shown on 1st screenshot, there is this set of wording included:

Does this wording mean that the application process works just like AMEX, where once you click on the submit button, you will be given acceptance or denial, with CL and APR finalized, with a chance to accept or deny the offer without incurring a HP first?

Since the page as shown on 2nd screenshot, does not contain the above set of wordings, am I correct in assuming that once you click the submit button there, it will work just like every other credit card application, automatically resulting in an instant HP?
It's a preapproval, not an approval. Yes it will result in one or two HP's.

It's a strong preapproval.

I don't think you can get any assurance that you will get the higher SUB if you do not go through the Doctor of Credit site, but with a strong preapproval like that I think your chances of approval are the same.

I'm curious about this as well. Are applicants with preapprovals able to decline without incurring a hard inquiry?

Re: Chase Application Questions

Absolution16 — Fri, 07 Apr 2023 00:41:36 GMT

@7774x

@fury1995

@SouthJamaica

I am NOT looking to apply for anything right now, but it was the wording "when I accept this offer" that got me confused. Is hitting the submit button at the bottom considered "accepting" their offer, or does "acceptance" occur after hitting the submit button, like AMEX? The more I thought about it, I am inclined to believe that the former is the correct interpretation of my "acceptance." I am guessing they have already "offered" with this pre-qual terms. Feel free to correct me if anyone can verify through experience.

If chances of approval do not change should an applicant choose to apply through links provided by a third party site that promises higher SUB, I suppose it is wiser to utilize that. I am thinking about calling and asking them, as well as the question on the "acceptance" part, but I am not sure where to call; I read that Chase does not accept phone applications, whether true or not.

The Doctor of Credit site also states that an applicant get an additional 5,000 miles if one were provided a special promo code via a United agent:

Not sure how one can obtain that. I am assuming you'd have to call United, but again unsure where to call and whether a flight reservation is required or not.

Re: Chase Application Questions

Gmood1 — Sat, 08 Apr 2023 22:55:52 GMT

I would just app through Chase to be safe. That's if you decide to do it. I had these listed a few months ago. It was a instant approval.

Probably the fastest approval I've recieved through Chase! As soon as I hit the submit button, it came back with APR and limit in 2 or 3 seconds.There was no spinning wheel. It was as strong of a preapproval, I've seen any where.

Re: Chase Application Questions

Absolution16 — Sun, 09 Apr 2023 01:34:05 GMT

@Gmood1

My travel plan changed and I am already out of the country now. Seeing multiple posting about the possibility of IP address conflict resulting from application via VPN or foreign IP address, even if I wanted to, I think I am out of luck for now.

Not even a spinning wheel huh? That's like as if Chase was already prepared to approve you. Did you have a set APR or SL before applying? Mine only had a set APR under terms but no SL given.

I suppose going through the official Chase "already approved" link is safer. The lure of extra 10K or even 10.5K miles is irresistible, but given my recent string of failed applications, safer the better I guess.

How do you like the Explorer card? I suppose I could use it for dining outside of United purchases but my CSP already has dining at higher 3%. I do, however, like the TSA/Global Entry credit, as not many $95 AF travel cards have this benefit; not even CSP has that. I also heard Explorer card has regularly featured promos on earnings boost on certain categories? This card doesn't seem as popular as other cards, so not many datapoints I can go by.

Re: Chase Application Questions

Gmood1 — Sun, 09 Apr 2023 01:48:20 GMT

I opted for the Chase Freedom Unlimited.

Yes, it seems everything was already predetermined before I hit the button! No limit was given until I hit the button.

Which ended up being $19,900... very odd CL. I'm guessing I'm maxed out with Chase.

Being out of the country, I wouldn't try it now.

They are funny about those IP addresses.

I apped with US bank several years back. I was denied, because the fraud dept. thought I was a scammer🤣.

I apped from my phone, and my internet service's IP shows my location 100 plus miles away from home. Even though I was sitting in the kitchen when I submitted the application.

Re: Chase Application Questions

Absolution16 — Sun, 09 Apr 2023 03:21:42 GMT

@Gmood1

19.9K SL for a No-AF Freedom card? If it were me, I would have been thrilled.

Yeah, I have read similar datapoints as you, in terms of getting their IP address flagged even when the application was submitted at home. Strange.

A friend suggested using programs like AnyDesk to bypass possible IP address conflict, but I am not sure how reliable that could be.