topic Re: Chase pre-qualified solid offers? in Credit Cards

Chase pre-qualified solid offers?

CreditCuriosity — Sat, 16 Nov 2019 15:30:31 GMT

Are these solid pre-qual offers meaning past 5/24 rule anyone know? Never until today has chase had anything for me but around 5 years ago.. All with set apr's. So tempting if gets by 5/24 rule? Anyone experience these?

Re: Chase pre-qualified solid offers?

BigBS — Sat, 16 Nov 2019 15:54:31 GMT

@CreditCuriosity wrote:
Are these solid pre-qual offers meaning past 5/24 rule anyone know? Never until today has chase had anything for me but around 5 years ago.. All with set apr's. So tempting if gets by 5/24 rule? Anyone experience these?

Wondering the same. I have offers for business not personal, though.

Re: Chase pre-qualified solid offers?

CreditCuriosity — Sat, 16 Nov 2019 15:58:54 GMT

lol as i am like 24/24... do i play with fire is the question... 'have Freedom/CSR/IHG currently with them only about 42k exposure with them. Last chase card was from several year ago

Re: Chase pre-qualified solid offers?

Remedios — Sat, 16 Nov 2019 15:59:09 GMT

They are pretty solid for most.
I got all of mine that way, well over 5/24
Dont be surprised if it goes to review
Go for it!

Re: Chase pre-qualified solid offers?

SouthJamaica — Sat, 16 Nov 2019 16:04:11 GMT

@CreditCuriosity wrote:
lol as i am like 24/24... do i play with fire is the question... 'have Freedom/CSR/IHG currently with them only about 42k exposure with them. Last chase card was from several year ago

I think they're solid but you'll still be turned down with 24/24.

Re: Chase pre-qualified solid offers?

CreditCuriosity — Sat, 16 Nov 2019 16:16:28 GMT

Lol 24/24 is pushing it I certainly agree... I nean its about science and dps right? Has pre-screened language in it as well..

Marriott offer opt-out language etc... Not scared about a hp or two, but losing my CSR and freedom would hurt . CSR sits at 35k, freedom 5k an ihg only at 1k atm...way less thatn 40% of my income..

Pricing & Terms

Please take a moment to carefully review the Pricing & Terms below.

PRICING INFORMATION

INTEREST RATES AND INTEREST CHARGES
Purchase Annual Percentage Rate (APR)	21.74%. This APR will vary with the market based on the Prime Rate.a
Balance Transfer APR	21.74%. This APR will vary with the market based on the Prime Rate.a
Cash Advance APR	26.74%. This APR will vary with the market based on the Prime Rate.b
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Foreign Transactions	None
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bWe add 21.74% to the Prime Rate to determine the Cash Advance APR. Maximum APR 29.99%.

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Re: Chase pre-qualified solid offers?

spiritcraft1 — Sat, 16 Nov 2019 23:18:58 GMT

The Wife and I are both showing the same with solid APR's for the first time in the 3 months being with Chase for personal and business accounts. Looks like the highest APR which make sense in our case. We don't care about that as we PIF.

She is 6/24 while I am 3/24 but I don't know if it is worth a shot. We have the "For Buisiness Owners" black band as well and that would be the first choice for us, but again, not sure how solid those are.

Edited to Add: It is showing me a solid APR of 17.74 for the Marriot Card. MY scores are 20 points lower than the Wife but am the main person on our business account. Doesn't make sense.

Edited again: Interest rate still solid but now at 21.74 a few hours later???

And again: Signed out and signed back in.... back to 17.74???

Re: Chase pre-qualified solid offers?

Remedios — Sat, 16 Nov 2019 16:22:26 GMT

CC, it's just a HP. It's not like you got your first card six months ago and are going on a spree.
In other news, I'm itching to discontinue gardening, so I might be a bit biased

Re: Chase pre-qualified solid offers?

AverageJoesCredit — Sat, 16 Nov 2019 16:22:41 GMT

Dont play with fire CC, play with Ice and be the first to break down stereotypes, app a DC Power Visa!!!😎😄

Re: Chase pre-qualified solid offers?

CreditCuriosity — Sat, 16 Nov 2019 16:35:24 GMT

Just strange my offers tab has nothing other then saphire banking and tons of referral bonus this popped up under credit cards below just for you. You all know me, most likely I will take the HP's for being curious of outcome and expect it to goto 2 weeks or 30 days like all my approvals have been. middle of road aprs on all cards.. i think the Marriott would be the most beneficial one though. Doubt they would shut me down as been with them 5 years wwith CC's and PIF always and run a few k a month through them among my other 225 cards. I open alot of cards, but also close alot of cards as well

Re: Chase pre-qualified solid offers?

CreditCuriosity — Sat, 16 Nov 2019 16:36:58 GMT

@Remedios wrote:
CC, it's just a HP. It's not like you got your first card six months ago and are going on a spree.
In other news, I'm itching to discontinue gardening, so I might be a bit biased

going for cli on altitude or another card app?

Re: Chase pre-qualified solid offers?

Remedios — Sat, 16 Nov 2019 16:51:48 GMT

Another app. I've learned to manage with AR, already took two HPs for it, and I'm done buying their love.

Either they come around or not.

Re: Chase pre-qualified solid offers?

CreditCuriosity — Sat, 16 Nov 2019 17:11:51 GMT

@Remedios wrote:
Another app. I've learned to manage with AR, already took two HPs for it, and I'm done buying their love.

Either they come around or not.

I think I hear an Amex app

Re: Chase pre-qualified solid offers?

Drwaz99 — Sat, 16 Nov 2019 17:14:02 GMT

It certainly interesting that this morning I, too, have those exact 3 cards pre-qualified under Credit Cards and only a bunch of referrals under Just For You. I've only had my CFU for 3 months (third statement cut Friday) so I'm not going to touch them, but mine all have middle-of-the-road solid APRs and I've not had them (or any prequals) up until last night. Seems like oddly interesting timing for the exact ones to pop up at the same time. 🤷‍♂️

Re: Chase pre-qualified solid offers?

Remedios — Sat, 16 Nov 2019 17:17:50 GMT

@CreditCuriosity wrote:
@Remedios wrote:
Another app. I've learned to manage with AR, already took two HPs for it, and I'm done buying their love.

Either they come around or not.
I think I hear an Amex app

Pretty much. I need math done for me though 😂

Re: Chase pre-qualified solid offers?

Anonymous — Sat, 16 Nov 2019 17:44:13 GMT

@Remedios wrote:
Another app. I've learned to manage with AR, already took two HPs for it, and I'm done buying their love.

Either they come around or not.

Upgrade to CSR and see if it scratches the itch

Or...

Full AMEX charge card suite

Re: Chase pre-qualified solid offers?

Bizambish — Sat, 16 Nov 2019 18:21:22 GMT

I’m in the same boat. After never having pre qualified for anything with Chase ever, all of a sudden now I have a pre Qual for what looks like about every card that Chase offers with a solid apr and intro offer....
Has chase redone their algorithm? Are they making a push for a new card member base to compete with Amex? I put a ton of money through my Amex cards and earn a lot of rewards, but of course would love to do the same with Chase UR.
Has anybody pulled the trigger on these new offers yet?
As an aside I do have a chase checking and savings and I’ve been consistently adding cash to the savings account at a pretty good clip.
Don’t know what to think! (Over 5/24)

Re: Chase pre-qualified solid offers?

CreditCuriosity — Sat, 16 Nov 2019 18:31:38 GMT

@Bizambish wrote:
I’m in the same boat. After never having pre qualified for anything with Chase ever, all of a sudden now I have a pre Qual for what looks like about every card that Chase offers with a solid apr and intro offer....
Has chase redone their algorithm? Are they making a push for a new card member base to compete with Amex? I put a ton of money through my Amex cards and earn a lot of rewards, but of course would love to do the same with Chase UR.
Has anybody pulled the trigger on these new offers yet?
As an aside I do have a chase checking and savings and I’ve been consistently adding cash to the savings account at a pretty good clip.
Don’t know what to think! (Over 5/24)

Something appears to have changed last night or today.. Could be certain partners being united/sw/marriott are pushing them to get more cards out or for holiday season, etc... whether gets over 5/24 it should. I am sitting on the sidelines for awhile on this and let the other GP's on this recent change try a few apps before i put myself under chase scrunity for not being able to garden

Re: Chase pre-qualified solid offers?

Anonymous — Sat, 16 Nov 2019 18:33:46 GMT

@CreditCuriosity You're gonna practice restraint 😯?

j/k

Re: Chase pre-qualified solid offers?

eastsea — Sat, 16 Nov 2019 18:34:59 GMT

@CreditCuriosity wrote:
@Bizambish wrote:
I’m in the same boat. After never having pre qualified for anything with Chase ever, all of a sudden now I have a pre Qual for what looks like about every card that Chase offers with a solid apr and intro offer....
Has chase redone their algorithm? Are they making a push for a new card member base to compete with Amex? I put a ton of money through my Amex cards and earn a lot of rewards, but of course would love to do the same with Chase UR.
Has anybody pulled the trigger on these new offers yet?
As an aside I do have a chase checking and savings and I’ve been consistently adding cash to the savings account at a pretty good clip.
Don’t know what to think! (Over 5/24)
Something appears to have changed last night or today.. Could be certain partners being united/sw/marriott are pushing them to get more cards out or for holiday season, etc... whether gets over 5/24 it should. I am sitting on the sidelines for awhile on this and let the other GP's on this recent change try a few apps before i put myself under chase scrunity for not being able to garden

This thread sounds very tempting. Do I need an existing Chase account of some sort to check pre approvals? Is a Chase Journey enough?