topic Re: Anyone else never receive chase offers? in Credit Cards

Anyone else never receive chase offers?

Anonymous — Sat, 09 Jun 2018 22:20:58 GMT

I feel like every time I visit these wonderful forums, there's 10,000 posters listing out all their chase selected for you offers with green checkmarks. Freedom, Unlimited, Sapphire, Ink Preferred, Marriott, Ritz, etc.

I've never seen a legitimate chase offer since I began checking a couple years back.

I always get the same three ridiculous offers: $250 for a chase mortgage, business lending (??), And an offer for a business card swiper machine (!?)

I have decent credit and am a long time chase checking customer. No derogs. I have good prequaled offers from Amex (Plat offer) among many others.

Do you also never get these awesome offers?

Re: Anyone else never receive chase offers?

pipeguy — Sat, 09 Jun 2018 22:34:03 GMT

Don't feel bad, I never get any offers either.

I do have 3 Chase cards (Freedom UL which was product changed from the basic Freedom, The Amazon Visa - I also have the Sync backed Amazon Prime account with 2X the CL of the Chase one, and the AARP) all 3 of my Chase cards are my lowest limit cards and 2 of them are my only under 5 figure CL cards.

No worries, I give love to those cards that show it back, Chase gets very little of my monthly spending, just a few auto-charges like Starbucks reloads and Nexflix before I canceled that subscription.

Re: Anyone else never receive chase offers?

kshurika — Sat, 09 Jun 2018 22:46:23 GMT

During the tail end of my rebuild, I apped for CFU and got it with a baby SL (after an initial denial and recon). I also have a Chase checking account with automatic deposit. Through sheer coincidence and good luck my FU got upped from 1K to 6K in one CLI (w/ HP) the day after I was approved. As my FICOs got better and all baddies dropped away, I started getting the green check mark offers for Freedom, CSP and Slate. Eventually I apped for CSP at my Chase branch and got it with a healthy SL. Immediately, all offers from Chase vanished. Btw, I got the CFU with no offer whatsoever.

Re: Anyone else never receive chase offers?

iheartwings — Sun, 10 Jun 2018 00:14:38 GMT

Me too. I have never ever gotten an green checkmark offer for any of their cards. Referal bonuses, cash bonuses for savings/checking, also UR points bonus for a mortgage.

That said, I've gotten everything I've cold apped from Chase this year (CSR and Amazon Rewards).

Re: Anyone else never receive chase offers?

ChargedUp — Sun, 10 Jun 2018 00:19:11 GMT

I started with CFU and got a $5500 line. A couple months later I started getting offers for Slate, Freedom and CSP (I was at 9/24 at the time) and bit for the CSP. Approved for $9K. Now I get mortgage and checking offers only.

Re: Anyone else never receive chase offers?

AverageJoesCredit — Sun, 10 Jun 2018 00:19:39 GMT

I wouldnt get an offer from Chase if my first name was Chevy

I don't get offers from ANYONE, esp Penfed. Offers are for those who are offered not those who offer

Re: Anyone else never receive chase offers?

Gmood1 — Sun, 10 Jun 2018 00:28:51 GMT

I've never received offers from Chase either. All my apps with them have been cold apps.

Re: Anyone else never receive chase offers?

kshurika — Sun, 10 Jun 2018 01:20:56 GMT

What ChargedUp wrote is exactly where I am now. No card offers, but a lot of stuff I'm not interested in.

Re: Anyone else never receive chase offers?

Anonymous — Sun, 10 Jun 2018 02:07:24 GMT

I'd love to get the new offers for the CSR and feel confident apping instead of going cold. Your profile is probably stronger than mine

Ink preferred would be even better

Sounds like some of us just don't get many good offers for whatever reason

Re: Anyone else never receive chase offers?

joltdude — Sun, 10 Jun 2018 02:35:39 GMT

No offers here... except for AUs and a mortgage bonus....

I used to get FU offer all the time... then I apped for Chase Amazon...... poof... no more offers..

Was still hoping for an FU offer but just like a Chase Auto CLI, its a unicorn for me...

-J

Re: Anyone else never receive chase offers?

Anonymous — Sun, 10 Jun 2018 02:43:41 GMT

I only have one Chase Card (IHG) and I've not even had it a full year yet. On top of that, I'm like 3,000,000/24 so I don't think I'll be seeing that green check box anytime soon

...I still check frequently though

Re: Anyone else never receive chase offers?

Anonymous — Sun, 10 Jun 2018 02:51:57 GMT

I'm mixed on Chase. Never get many offers, but I do have a Sapphire preferred that I currently use for a zero interest balance transfer. Quite generous credit limit.

Customer service has been pretty good. However, most of my monthly spend is on Amex.

Re: Anyone else never receive chase offers?

Brian_Earl_Spilner — Sun, 10 Jun 2018 03:03:39 GMT

I don't get offers...but my credit sucks.

Re: Anyone else never receive chase offers?

tcbofade — Sun, 10 Jun 2018 03:05:29 GMT

My credit is fine, but I am also lol/24, so I don't expect any offers from Chase...

I may or may not be checking weekly tho.

Re: Anyone else never receive chase offers?

Anonymous — Sun, 10 Jun 2018 03:42:50 GMT

Nope, nada, never. Everybody else has loved me through my ups and downs but not Chase.

I'll cold app later this year (I'm working on my util) for giggles and tears.

Re: Anyone else never receive chase offers?

Anonymous — Sun, 10 Jun 2018 04:23:32 GMT

I've received an increased CFU offer by banking with them for a couple of months but they re my primary bank atm and they seen some heavy activity since i opened the account so assume that's why

Re: Anyone else never receive chase offers?

jawbrkr — Sun, 10 Jun 2018 04:47:58 GMT

I used to get them all the time with a set APR. At the moment, I have two 'offers' for the freedom and freedom unlimited but the APR isn't set anymore for whatever reason. I get the range. So it's now more of a 'suggestion' than a true offer or prequal. Not sure if this is the route chase if going now with their 'offers'.

Re: Anyone else never receive chase offers?

Anonymous — Sun, 10 Jun 2018 09:06:56 GMT

@AverageJoesCredit wrote:
I wouldnt get an offer from Chase if my first name was Chevy

I don't get offers from ANYONE, esp Penfed. Offers are for those who are offered not those who offer

AJC ... that is a good one ... understand your feelings

Re: Anyone else never receive chase offers?

Anonymous — Sun, 10 Jun 2018 09:09:26 GMT

User9721 follow in your footsteps! Never had any CLIs or offers from Chase since 2005. Will say I have two cards and good credit lines. Also have to say many of my accounts offer better rewards so I utilize them way more!

Re: Anyone else never receive chase offers?

UpperNwGuy — Sun, 10 Jun 2018 09:58:32 GMT

I understand why people don't get offers when:

-- they are over 5/24

-- their credit scores are low

-- they have bankruptcies, chargeoffs, missed payments, or late payments in their history

-- they have high utilization rates

None of those apply to me, but I don't get offers. The only reason I can think of is that Chase has some kind of formula for limiting their maximum exposure to a cardholder. In my case I suspect the limit is 50% of income. I've had their United Airlines cards for years. When the CSR opened for applications in 2016, I immediately applied and was granted a generous limit. I was intrigued that the sum of my United card limit and my new CSR limit was almost exactly 49% of my income. No offers since.