topic Re: Received a Chase invite for the FU Card (fixed APR and Opt Out verbage) in Credit Cards

Received a Chase invite for the FU Card (fixed APR and Opt Out verbage)

sjt — Sat, 12 Aug 2017 20:44:21 GMT

I received an invite for the Freedom Unlimited (actually received two) both invites has a fixed APR and Opt Out verbage. Is this a pre-qual offer? I havent received any pre-qual offers online from them, so Im wondering if the mail offers are true pre-qual offers.

Re: Received a Chase invite for the FU Card (fixed APR and Opt Out verbage)

Anonymous — Sat, 12 Aug 2017 21:15:04 GMT

As long as the return address isn't in Nigeria, sounds pretty good to me.

Re: Received a Chase invite for the FU Card (fixed APR and Opt Out verbage)

Anonymous — Sun, 13 Aug 2017 16:33:06 GMT

@Anonymous wrote:
As long as the return address isn't in Nigeria, sounds pretty good to me.

I got a text yesterday about my Wells Fargo account. Apparently there was some problem with the login info and they helpfully gave me a link in the text to click to login. The link began with wel1sfargo.com and had things after the .com so was obviously completely genuine. Now I don't have a WF account that I know of, but with recent history its possible that I do, so good to know they are being proactive....

Re: Received a Chase invite for the FU Card (fixed APR and Opt Out verbage)

Anonymous — Sun, 13 Aug 2017 16:46:39 GMT

Got the same message but it was for my Victoria's Secret account.

Re: Received a Chase invite for the FU Card (fixed APR and Opt Out verbage)

zerofire — Thu, 17 Aug 2017 15:31:13 GMT

I am pretty sure Chase does not offer fixed APR on credit cards any more because of law. All their APR's are now variable. You might have meant that a single APR was stated instead of the range. If there is a single APR then you can guarantee acceptance via the offer even going around 5/24.

Re: Received a Chase invite for the FU Card (fixed APR and Opt Out verbage)

sjt — Thu, 17 Aug 2017 16:57:09 GMT

@zerofire wrote:
I am pretty sure Chase does not offer fixed APR on credit cards any more because of law. All their APR's are now variable. You might have meant that a single APR was stated instead of the range. If there is a single APR then you can guarantee acceptance via the offer even going around 5/24.

Yes, it was a single APR listed as opposed to a range.

Thanks for the clarification.

Also- I was surprised to get this mailer (actually 2) because nothing shows up on their pre-qual site. Im currently at 5/24 and one account is under 6 months.