topic Re: I never rec pre-qual from Chase nor Citi in Credit Cards

I never rec pre-qual from Chase nor Citi

Anonymous — Fri, 03 Feb 2017 04:33:33 GMT

I have on more than one occasion either received an invitation to apply or an offer from the pre-qual website from American Express and Capital One. However, never in my life have I received anything from Chase nor Citi by mail or through their pre-qual websites. How about you?

UPDATE: As posts were being added to this thread, I finally received a pre-qual from Chase. I applied and was approved on 2/2/17. You should read this thread anyway because it has useful information. I pray for financial prosperity to all!!

Re: I never rec pre-qual from Chase nor Citi

adelphi_sky — Mon, 30 Jan 2017 16:33:38 GMT

I received an offer from Citi for their Diamond Preferred. Since then, I PC'D into the TY cards and up to Prestige from TY Preferred. I don't recall getting any offers from Chase. I'm trying to think if I received an offer for the Marriott Rewards card. Can't remember.

Re: I never rec pre-qual from Chase nor Citi

Anonymous — Mon, 30 Jan 2017 16:37:30 GMT

for the first time in two years of trying i got my first prequal on both chase and citi last week, however, citi is no longer showing up lol

Re: I never rec pre-qual from Chase nor Citi

Anonymous — Mon, 30 Jan 2017 16:52:44 GMT

I have never received prequals from almost any site that is worth having (and yes, I'm opted in) but have still been approved by Chase, Amex, and Cap 1 when I've cold apped

Re: I never rec pre-qual from Chase nor Citi

Anonymous — Mon, 30 Jan 2017 17:02:45 GMT

I want to cold app for Chase or Citi. However, I have always heard that one collection (which is exactly what I have) will cause a denial.

Re: I never rec pre-qual from Chase nor Citi

noobody — Mon, 30 Jan 2017 17:04:13 GMT

I have excellent fico, hardly been preapproved by anybody.
Only exception been citi premier, i took the offer two years ago.
Twice in the past two years, i have been preapproved for venture, usually it disappeared in a day or two.
I cold applied for everything (but premier), have not been declined yet.

Re: I never rec pre-qual from Chase nor Citi

Anonymous — Mon, 30 Jan 2017 17:06:32 GMT

@noobody wrote:
I have excellent fico, hardly been preapproved by anybody.
Only exception been citi premier, i took the offer two years ago.
Twice in the past two years, i have been preapproved for venture, usually it disappeared in a day or two.
I cold applied for everything (but premier), have not been declined yet.

Very interesting!

Re: I never rec pre-qual from Chase nor Citi

Anonymous — Mon, 30 Jan 2017 17:16:54 GMT

@Anonymous wrote:
I want to cold app for Chase or Citi. However, I have always heard that one collection (which is exactly what I have) will cause a denial.

i have one collection, a 90 day late and two charge-offs, and am pre-approved on citi and chase

Re: I never rec pre-qual from Chase nor Citi

Anonymous — Mon, 30 Jan 2017 17:21:52 GMT

@Anonymous wrote:
@Anonymous wrote:
I want to cold app for Chase or Citi. However, I have always heard that one collection (which is exactly what I have) will cause a denial.
i have one collection, a 90 day late and two charge-offs, and am pre-approved on citi and chase

Get the f____ out of here! You see, it all does not make sense! I wonder what is keeping me from getting pre-approved!! I have no charge-offs, a late pay in 2014, and my scores are just above 670. I know my utilization is high at 50% but even when it was lower I didn't pre-qualify.

Re: I never rec pre-qual from Chase nor Citi

SkyCommander — Mon, 30 Jan 2017 18:06:22 GMT

I get letters in the mail to apply for the Chase Marriott Rewards card often. With Citi I get mailed offers for the AAdvantage Card. When I check the Chase site it tells me I have no offers while the Citi site will show me I'm pre qualified for the AAdvantage and then 4 "additional offers" further down.

Re: I never rec pre-qual from Chase nor Citi

Anonymous — Mon, 30 Jan 2017 18:13:38 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I want to cold app for Chase or Citi. However, I have always heard that one collection (which is exactly what I have) will cause a denial.
i have one collection, a 90 day late and two charge-offs, and am pre-approved on citi and chase
Get the f____ out of here! You see, it all does not make sense! I wonder what is keeping me from getting pre-approved!! I have no charge-offs, a late pay in 2014, and my scores are just above 670. I know my utilization is high at 50% but even when it was lower I didn't pre-qualify.

i know its crazy i was shocked when they popped up a week ago. All the negatives are from early 2013, so theyre almost four years old and perfect history since then, but i was still amazed that im pre-approved. im gonna app for freedom on feb 1

Re: I never rec pre-qual from Chase nor Citi

kidink1911 — Mon, 30 Jan 2017 18:59:38 GMT

I received a pre-qual from CSP and Chase Slate in November. I waited about two weeks, researched, and app'd for the CSP (and was approved). I would definitely check their pre-qual tools on the website. Citi still won't show me any love

CSP- $8,000***Barclay JetBlue MC- $5,000***Cap One QS One- $3,550***Synchrony Walmart MC- $2,400***BOA Travel Rewards- $2,000***BP Gas- $600***CF- $500***Credit One- $450***Milestone- $300

Re: I never rec pre-qual from Chase nor Citi

DeeBee78 — Mon, 30 Jan 2017 21:24:03 GMT

@Anonymous wrote:
I have on more than one occasion either received an invitation to apply or an offer from the pre-qual website from American Express and Capital One. However, never in my life have I received anything from Chase nor Citi by mail or through their pre-qual websites. How about you?

I can count on one hand the numbe of preapprovals I've had from large banks, and they've all been online:

Capital One - Preappoved for a Platinum MasterCard back in 2014. Took the offer. Never preapproved for anything again.

Amex - Preapproved for the Green card back in 2014. Denied because a false collection was added to my report between SP for preapproval and the app. Never preapproved for anything again.

Chase - Preapproved for Slate and Freedom back in 2015. Took the offer and got Freedom. Never preapproved for anything again.

Never had a preapproval or mailer from Citi, Discover, Barclays, Comenity majors, Synchrony majors, etc.

Re: I never rec pre-qual from Chase nor Citi

Anonymous — Mon, 30 Jan 2017 21:36:58 GMT

@DeeBee78 wrote:
can count on one hand the numbe of preapprovals I've had from large banks, and they've all been online:

Capital One - Preappoved for a Platinum MasterCard back in 2014. Took the offer. Never preapproved for anything again.
Amex - Preapproved for the Green card back in 2014. Denied because a false collection was added to my report between SP for preapproval and the app. Never preapproved for anything again.
Chase - Preapproved for Slate and Freedom back in 2015. Took the offer and got Freedom. Never preapproved for anything again.

Never had a preapproval or mailer from Citi, Discover, Barclays, Comenity majors, Synchrony majors, etc.

Sounds like they hate you as much as the hate me!

Re: I never rec pre-qual from Chase nor Citi

Anonymous — Mon, 30 Jan 2017 21:41:02 GMT

I have 2 Citi cards and have never had anything in prequals anywhere, even when my reports weren't frozen. My first Citi card (the DC) was from a mailer, but it wasn't a pre-approval.

Re: I never rec pre-qual from Chase nor Citi

DeeBee78 — Mon, 30 Jan 2017 21:52:20 GMT

@Anonymous wrote:
@DeeBee78 wrote:
can count on one hand the numbe of preapprovals I've had from large banks, and they've all been online:

Capital One - Preappoved for a Platinum MasterCard back in 2014. Took the offer. Never preapproved for anything again.
Amex - Preapproved for the Green card back in 2014. Denied because a false collection was added to my report between SP for preapproval and the app. Never preapproved for anything again.
Chase - Preapproved for Slate and Freedom back in 2015. Took the offer and got Freedom. Never preapproved for anything again.

Never had a preapproval or mailer from Citi, Discover, Barclays, Comenity majors, Synchrony majors, etc.
Sounds like they hate you as much as the hate me!

But I'm loved by those subprime lenders! I'm prequalified for CreditOne, Blaze Mastercard, Merrick Visa, and tons of payday loans from predatory lenders.

Re: I never rec pre-qual from Chase nor Citi

Anonymous — Mon, 30 Jan 2017 22:13:10 GMT

@Anonymous wrote:
I have on more than one occasion either received an invitation to apply or an offer from the pre-qual website from American Express and Capital One. However, never in my life have I received anything from Chase nor Citi by mail or through their pre-qual websites. How about you?

Same here.. Never with Chase and I bank with them for the past 8yrs.. Nothing from Citi too..

Recent from Amex which I accepted.. and a Mailer from Barclay Jetblue and Discover IT, both invites accepted as well.

Re: I never rec pre-qual from Chase nor Citi

Anonymous — Mon, 30 Jan 2017 23:06:57 GMT

Citi I think has a cut off to market around 680. Where they get their list is a guess. I got dozens of Citi DC offers for ever before I took one. Now I get Citi Diamond Offers. My wife who has higher scores and limits never has has gotten the first one.

Re: I never rec pre-qual from Chase nor Citi

Anonymous — Tue, 31 Jan 2017 00:31:05 GMT

@Anonymous wrote:
Citi I think has a cut off to market around 680. Where they get their list is a guess. I got dozens of Citi DC offers for ever before I took one. Now I get Citi Diamond Offers. My wife who has higher scores and limits never has has gotten the first one.

I know Amex gets theirs from Experian. I think Barclays get theirs from Transunion and Discover get theirs from Equifax. However, I can't figure out Chase and Citi.

Re: I never rec pre-qual from Chase nor Citi

jawbrkr — Tue, 31 Jan 2017 00:42:12 GMT

I received about 5 offers from Citi for a few months last year, none of which I took. I cold app'd for the TYPremier. The prequals disappeared after approval. As for Chase, I prequalified for CSP and Freedom back in 2015. I applied for both and havent received a prequal from Chase since. But a few weeks ago I was getting solid offers from Chase for several cards based on my relationship with them, not through prequal. All of those have since disappeared.