topic Re: chase question! in Credit Cards

chase question!

Anonymous — Wed, 13 May 2015 00:43:55 GMT

Hi guys, I'm new to this forum and I had a small question about chase bank specifically. I have tried to go for their pre-qualified check, but for some reason I always get an error saying that I have turned away promotions and emails from chase regardless of my account that I have with them already. Is there any way for me to get back on their promotion/pre-qualified/etc list again? Please help!

Also, since I have gained an account standing with this forum, I would like to let everyone know that I've been very successful relatively with regards to my age group I would suppose. I am now entering the garden as I have 6 CC's with a total of 31K credit!! All no annual fee cards so time to let my age of accounts grow like no tomorrow!

Re: chase question!

Anonymous — Wed, 13 May 2015 00:52:07 GMT

@Anonymous wrote:
Hi guys, I'm new to this forum and I had a small question about chase bank specifically. I have tried to go for their pre-qualified check, but for some reason I always get an error saying that I have turned away promotions and emails from chase regardless of my account that I have with them already. Is there any way for me to get back on their promotion/pre-qualified/etc list again? Please help!

Also, since I have gained an account standing with this forum, I would like to let everyone know that I've been very successful relatively with regards to my age group I would suppose. I am now entering the garden as I have 6 CC's with a total of 31K credit!! All no annual fee cards so time to let my age of accounts grow like no tomorrow!

Don't base your decision to apply for one of their cards on whether you show something on the prequalified page. If you have used your Freedom card and it's in good standing, along with your scores, you should be fine in applying for another one of their cards.

Congrats on your credit sucess to date

Re: chase question!

Anonymous — Wed, 13 May 2015 00:50:20 GMT

I don't really understand this fear of cold-apping.

Even a pre-approval is no guarantee. Your utilization could move by 1% and result in a denial on a "bonafide" pre-approval.

Re: chase question!

Pitt570 — Wed, 13 May 2015 00:52:08 GMT

i didnt have a pre approvals from chase and i cold apped for the csp and the slate and was instantly approved so i wouldnt go just go by a prequalify...hope that helps.

Re: chase question!

Anonymous — Wed, 13 May 2015 01:04:08 GMT

I cold app'd for the CSP with no preapprovals and I was approved for $18k. Preapprovals mean nothing to me after that lol.

Re: chase question!

taxi818 — Wed, 13 May 2015 01:16:18 GMT

yes. with your scores no way. should you worry about a pre approval. you will pretty much get what ever you want.

Re: chase question!

Anonymous — Wed, 13 May 2015 01:50:14 GMT

@Anonymous wrote:
I cold app'd for the CSP with no preapprovals and I was approved for $18k. Preapprovals mean nothing to me after that lol.

Well, pre-approvals CAN mean something, and from certain issuers, such as Chase, having a preapproval means it is pretty likely you will get approved (if something bad has happened on your report recently, you might get declined, but usally pretty good.)

But NOT having a preapproval means nothing! Just that they don't havet a match from the recent CRB pul ("Give me all people with the following characteristics") l, perhaps because of area or demographic or whatever. Approvals work just one way, we don't have pre-denials!

Re: chase question!

Anonymous — Mon, 18 May 2015 03:36:05 GMT

Thanks guys, i'll stop worrying about the pre-approvals ^^

but what about let's say, pre-qualified offers for Soft Pull CLIS? Does Chase even do that?

Re: chase question!

Anonymous — Mon, 18 May 2015 04:30:07 GMT

Re: chase question!

Anonymous — Mon, 18 May 2015 04:44:04 GMT

Starky85, what was your inquiries looking before you got the CSP? May I ask Income/Scores? Just so I have a basis for myself haha

Re: chase question!

Aarvard — Mon, 18 May 2015 06:20:24 GMT

@Anonymous wrote:
Hi guys, I'm new to this forum and I had a small question about chase bank specifically. I have tried to go for their pre-qualified check, but for some reason I always get an error saying that I have turned away promotions and emails from chase regardless of my account that I have with them already. Is there any way for me to get back on their promotion/pre-qualified/etc list again? Please help!

Also, since I have gained an account standing with this forum, I would like to let everyone know that I've been very successful relatively with regards to my age group I would suppose. I am now entering the garden as I have 6 CC's with a total of 31K credit!! All no annual fee cards so time to let my age of accounts grow like no tomorrow!

I have never received any pre-qual but I have been approved for any card I applied for. So pre-qual is not the absolute indicator for approvals

Re: chase question!

takeshi74 — Mon, 18 May 2015 13:12:14 GMT

@Anonymous wrote:
but what about let's say, pre-qualified offers for Soft Pull CLIS? Does Chase even do that?

You can't get a CLI without already having the card so prequal is irrelevant.

They do offer CLI's based on SP but many here don't seem to get them. I don't either but my wife has received several. As always, YMMV.

Re: chase question!

Anonymous — Mon, 18 May 2015 15:57:13 GMT

It seems that opting out and asking Chase to stop sharing information via privacy department (due to United credit card mailings every 2 weeks ) affects pre-quals in my experience. Congrats on your credit journey~!

Re: chase question!

Ghoshida — Mon, 18 May 2015 18:46:17 GMT

@Anonymous wrote:
Thanks guys, i'll stop worrying about the pre-approvals ^^

but what about let's say, pre-qualified offers for Soft Pull CLIS? Does Chase even do that?

As others have said, it's not necessary to have a pre-approval to get in. Just as a pre-app doesn't automatically mean you're in.

However, a few things about pre-apps are good. With Chase, unless you changed your credit patterns since they SP-ed you, you're good to go if you get a pre-app. With AMEX for e.g., it seems pre-apps are the best way to get targeted offers or special deals not shown to every applicant (that, and the incognito browser sometimes).

To your second question, Chase does seem to send some cardholders special invites (soft pulls) where you just input your current income and get an SP CLI. Other than that and auto CLIs, all customer initiated CLIs are HP.