topic Re: My first Chase in-branch preapproval in Credit Cards

My first Chase in-branch preapproval

SouthJamaica — Sat, 23 Feb 2019 23:52:40 GMT

Ever since I joined this forum around 4 years ago I've been reading about Chase in-branch preapprovals... but never got one. Today was my first It was for the Freedom card. Not the card I would have wanted, but it's a nice feeling nonetheless.

Data points: have personal & business checking there & 3 co-branded cards. FICO 8's are EQ 759 TU 792 EX 760. I'm at 15/24. Only thing I've done differently lately is carry a balance on 1 of my Chase cards due to a 0% BT offer.

Re: My first Chase in-branch preapproval

Remedios — Sat, 23 Feb 2019 19:34:19 GMT

Which one do you want SJ?

Re: My first Chase in-branch preapproval

Anonymous — Sat, 23 Feb 2019 20:00:12 GMT

Don’t make me chase you back to the garden with the cattle prod SJ!

Re: My first Chase in-branch preapproval

Remedios — Sat, 23 Feb 2019 19:57:24 GMT

I don't need to be chased anywhere, my impulsiveness is limited to steaks and chocolate covered gummy bears.

Re: My first Chase in-branch preapproval

Anonymous — Sat, 23 Feb 2019 19:59:56 GMT

I was talking to SJ lol, I should edit that haha.

Re: My first Chase in-branch preapproval

SouthJamaica — Sat, 23 Feb 2019 20:22:00 GMT

@Remedios wrote:
Which one do you want SJ?

The Ink Business Preferred. I want to explore the Chase Ultimate Rewards universe, but I have little personal spend and have more than enough personal rewards cards. I can put much more spend on a business card.

Re: My first Chase in-branch preapproval

SouthJamaica — Sat, 23 Feb 2019 20:23:15 GMT

@Anonymous wrote:
Don’t make me chase you back to the garden with the cattle prod SJ!

LOL. Hopefullyl I can stick to my game plan -- leaving the garden only for the Ink Business Preferred.

Re: My first Chase in-branch preapproval

Anonymous — Sat, 23 Feb 2019 20:31:19 GMT

I have no room to talk because the only card in my wallet that I’ve had longer than a year is my QuickSilver and I’ve had to reset my garden date 5 times since December when I went into the garden but I know you have a goal too so I’m doing my garden duty of trying to keep you on track lol

Re: My first Chase in-branch preapproval

SouthJamaica — Sat, 23 Feb 2019 20:36:51 GMT

@Anonymous wrote:
I have no room to talk because the only card in my wallet that I’ve had longer than a year is my QuickSilver and I’ve had to reset my garden date 5 times since December when I went into the garden but I know you have a goal too so I’m doing my garden duty of trying to keep you on track lol

That's good. I have little confidence in my ability to stay in the garden. So every little bit of help helps

Re: My first Chase in-branch preapproval

Anonymous — Sat, 23 Feb 2019 20:38:44 GMT

@SouthJamaica wrote:
@Anonymous wrote:
I have no room to talk because the only card in my wallet that I’ve had longer than a year is my QuickSilver and I’ve had to reset my garden date 5 times since December when I went into the garden but I know you have a goal too so I’m doing my garden duty of trying to keep you on track lol
That's good. I have little confidence in my ability to stay in the garden. So every little bit of help helps

Freeze your credit reports. The time it takes for me to log in to EQ and TU and fill out the form on EX’s site is a decent enough of a deterrent for me to have time to think “do I really need this?”

Re: My first Chase in-branch preapproval

Remedios — Sat, 23 Feb 2019 20:41:13 GMT

I'm groveling for Freedom unlimited
That wont happen any time soon, tho

Re: My first Chase in-branch preapproval

Caught750 — Sat, 23 Feb 2019 21:00:50 GMT

I have CSP so I’d be very happy with a CF or CFU pre approval!

Re: My first Chase in-branch preapproval

SouthJamaica — Sat, 23 Feb 2019 21:01:59 GMT

@Remedios wrote:
I'm groveling for Freedom unlimited
That wont happen any time soon, tho

Good luck with it. As between the Freedom and Freedom Unlimited, I'd choose the FU. I don't have the brain cells to spare to keep track of spending categories.

Re: My first Chase in-branch preapproval

SouthJamaica — Sat, 23 Feb 2019 21:03:27 GMT

@Caught750 wrote:
I have CSP so I’d be very happy with a CF or CFU pre approval!

If I had the CSP I don't thing I'd bother with the Freedom or Freedom Unlimited, I'd just put spend on that.

Re: My first Chase in-branch preapproval

Caught750 — Sat, 23 Feb 2019 21:07:01 GMT

That’s actually my plan, I’m going to use the CSP for everything. I was thinking Freedom for categories would be useful though. The FU doesn’t do much for me, a half point isn’t gonna make or break my spend. It adds up for sure, but the simplicity of two cards makes me happy.

Re: My first Chase in-branch preapproval

Remedios — Sat, 23 Feb 2019 21:06:56 GMT

I have freedom and CSP. CSP will become CSR in December . I need unlimited but convincing Chase to give me a third card in 3 months 😐😕🤭

I hate waiting.

Re: My first Chase in-branch preapproval

Caught750 — Sat, 23 Feb 2019 21:07:51 GMT

Remedios, I plan to upgrade to CSR at the one year mark as well

Re: My first Chase in-branch preapproval

Remedios — Sat, 23 Feb 2019 21:14:27 GMT

I regret not applying for it in a first place instead of CSP. Meh, live and learn.

I'll never do my own math again 😂

Re: My first Chase in-branch preapproval

Caught750 — Sat, 23 Feb 2019 21:21:50 GMT

😂 It was a little different for me. I passed on the larger AF for a year as DS will be here any day. We have the money but I’d rather hold onto it for a year!

Re: My first Chase in-branch preapproval

SouthJamaica — Sat, 23 Feb 2019 21:32:23 GMT

@Remedios wrote:
I have freedom and CSP. CSP will become CSR in December . I need unlimited but convincing Chase to give me a third card in 3 months 😐😕🤭

I hate waiting.

Sounds to me like you're in good shape without it.