topic Re: Chase in Credit Cards

Chase

Hinds1234 — Tue, 30 Jun 2020 18:57:06 GMT

Which one should I go for ? If it's all pre qualified ? Or should I wait a little more for my score to go up.

Re: Chase

Anonymous — Tue, 30 Jun 2020 19:40:36 GMT

I believe offers through credit journey tend to be pretty solid pre qualifications! I would go with what fits your spend best. I have the freedom unlimited and it's a great card to get with easier underwriting than the other two so that one would most likely result in a definite approval since there is no credit limit minimum.

i don't have a 2% back card and bank through chase so the 1.5% back on freedom unlimited is my best rewards card and the ease of use is pretty great.

CSP is my next card this has a minimum limit of $5k so if approved you're guaranteed that. This has an af and uses ur points and is a very solid card and I really like it!

CSR is the premium version with a minimum sl of $10k so if approved guaranteed that. This card has a high annual fee so I would recommend seeing which fits your spend best and go for that one!

I would say you have a pretty good shot at it! Again the pre qualifications are pretty solid the two visa sig cards are a bit tougher to advise on whether or not they would be willing to lend out that much but I would just app for what works best for you! Goodluck!

Re: Chase

coldfusion — Tue, 30 Jun 2020 19:44:14 GMT

Go for the card that you want and hopefully you'd find the most useful.

Re: Chase

Wavester64 — Tue, 30 Jun 2020 19:44:31 GMT

@Hinds1234 wrote:
Which one should I go for ? If it's all pre qualified ? Or should I wait a little more for my score to go up.

Wow - the coveted BLACK Star. I absolutely NEVER see those! (very envious)

Is CF available? I know it it were me I would get that one with the quarterly 5% offerings

Re: Chase

M_Smart007 — Tue, 30 Jun 2020 20:55:47 GMT

@Hinds1234, Congrats on your offers!

Go for the card that would fit your spending habbits the best

Re: Chase

M_Smart007 — Tue, 30 Jun 2020 20:56:46 GMT

@Wavester64 wrote:
@Hinds1234 wrote:

Which one should I go for ? If it's all pre qualified ? Or should I wait a little more for my score to go up.
Wow - the coveted BLACK Star. I absolutely NEVER see those! (very envious)

Is CF available? I know it it were me I would get that one with the quarterly 5% offerings

@Wavester64, Never?

Re: Chase

Wavester64 — Tue, 30 Jun 2020 22:32:55 GMT

@M_Smart007 wrote:
@Wavester64 wrote:
@Hinds1234 wrote:

Which one should I go for ? If it's all pre qualified ? Or should I wait a little more for my score to go up.
Wow - the coveted BLACK Star. I absolutely NEVER see those! (very envious)

Is CF available? I know it it were me I would get that one with the quarterly 5% offerings
@Wavester64, Never?

I mean me. Lol. I've been WITH CHASE forever and never had one of those black stars.

Re: Chase

MerMer495 — Wed, 01 Jul 2020 03:43:29 GMT

I also am pre-qualified for those three same cards with a solid APR and not a range.

Does that mean it's a verify good chance to be approved? I'm torn between the CSR and CSP.

Trying to figure out which one is best for my spend and which is the better SUB.

Heck, i might wait until my NFCU CashRewards card updates to the CRAs with its new CL of $5,500.

That might help me get approved for the CSR if I decide to go that route.

Re: Chase

RadioRob — Wed, 01 Jul 2020 03:43:37 GMT

What's funny is that 3 of my 4 Chase cards have come from black stars.

My original card was Chase Amazon. Then added CSP (upgraded to CSR the next year). Next was offered Freedom or FU (took Unlimited). When I opened a business checking account they offered me an Ink card at the same time which I took.

I'm ALWAYS lol/24 (like 9/24 right now) so it's the only way I can get Chase cards.

I can't complain too much. The cards have grown well for me:

CSP: 12.5k > 15k (auto) > 32k (HP) > 35.9 (auto)

Freedom: 8k > 10.5k > 20k (done with same CSP HP > 30k (auto) > 32k (auto)

Amazon: 8k > 15k (auto) > 19k (auto)

Ink: 1k > 7k (auto)

To be honest I never used the Ink and it got the CLI. I had it for the hidden TL but with such small limit I really had it SD'ed. It was not till this year I changed my Verizon Fios and cell to the card automatically.

Re: Chase

RadioRob — Wed, 01 Jul 2020 03:44:21 GMT

(Back in the day they were green stars if I remember correctly!)

Re: Chase

Jordan23ww — Wed, 01 Jul 2020 23:37:24 GMT

@RadioRob wrote:
What's funny is that 3 of my 4 Chase cards have come from black stars.

My original card was Chase Amazon. Then added CSP (upgraded to CSR the next year). Next was offered Freedom or FU (took Unlimited). When I opened a business checking account they offered me an Ink card at the same time which I took.

I'm ALWAYS lol/24 (like 9/24 right now) so it's the only way I can get Chase cards.

I can't complain too much. The cards have grown well for me:

CSP: 12.5k > 15k (auto) > 32k (HP) > 35.9 (auto)
Freedom: 8k > 10.5k > 20k (done with same CSP HP > 30k (auto) > 32k (auto)
Amazon: 8k > 15k (auto) > 19k (auto)
Ink: 1k > 7k (auto)

To be honest I never used the Ink and it got the CLI. I had it for the hidden TL but with such small limit I really had it SD'ed. It was not till this year I changed my Verizon Fios and cell to the card automatically.

I'm curious approximately how long did you have a Chase card before they started to offer you pre-qualified Chase cards? In my For You section they always offer me bank accounts, car loans etc but never credit cards, which is what I actually want. I've only had the CFU since Feb 2020. I'd love to add the Chase Freedom card. Since I'm over 5/24 the only way I can get it any time soon is through a Chase offer!

Re: Chase

K-in-Boston — Thu, 02 Jul 2020 00:01:03 GMT

@Hinds1234 wrote:
Which one should I go for ? If it's all pre qualified ? Or should I wait a little more for my score to go up.

Those offers are 99% "just take the card from us, please." As for which offer to take, several people noted to take the one that best fits your spend. HOW you plan to redeem the URs is also an important consideration. If you are just going to cash them out, it's $200 for Freedom Unlimited, $600 for CSP, and $500 for CSR. If you plan to use CSP or CSR in the travel portal, then both CSP's 60k and CSR's 50k are $750 due to the elevated multiplier, and if you plan to transfer points to a partner instead then the CSP's additional points can be worth much more.

But in addition to the bonuses, you should really do the math on how much you would be spending on travel and restaurant categories. CFU is a pretty basic 1.5% card when it's not paired with a CSP or CSR. If you are just cashing out UR points, CSP is essentially a 2% card on travel and restaurants and 1% elsewhere, with CSR being 3% on those two categories.

For most people that a CSP makes sense for, the CSR will make better sense due to its higher earnings, other benefits, and the flexibility for the 50% multiplier in the travel portal. If you choose the "wrong" one, you can always upgrade (assuming $10k minimum limit) or downgrade after a year.

Re: Chase

Anonymous — Thu, 02 Jul 2020 00:38:16 GMT

@RadioRob wrote:
(Back in the day they were green stars if I remember correctly!)

Not just back in the day....these were copied from my account today.

Re: Chase

RadioRob — Thu, 02 Jul 2020 00:45:51 GMT

@Jordan23ww wrote:
@RadioRob wrote:
What's funny is that 3 of my 4 Chase cards have come from black stars.

My original card was Chase Amazon. Then added CSP (upgraded to CSR the next year). Next was offered Freedom or FU (took Unlimited). When I opened a business checking account they offered me an Ink card at the same time which I took.

I'm ALWAYS lol/24 (like 9/24 right now) so it's the only way I can get Chase cards.

I can't complain too much. The cards have grown well for me:

CSP: 12.5k > 15k (auto) > 32k (HP) > 35.9 (auto)
Freedom: 8k > 10.5k > 20k (done with same CSP HP > 30k (auto) > 32k (auto)
Amazon: 8k > 15k (auto) > 19k (auto)
Ink: 1k > 7k (auto)

To be honest I never used the Ink and it got the CLI. I had it for the hidden TL but with such small limit I really had it SD'ed. It was not till this year I changed my Verizon Fios and cell to the card automatically.
I'm curious approximately how long did you have a Chase card before they started to offer you pre-qualified Chase cards? In my For You section they always offer me bank accounts, car loans etc but never credit cards, which is what I actually want. I've only had the CFU since Feb 2020. I'd love to add the Chase Freedom card. Since I'm over 5/24 the only way I can get it any time soon is through a Chase offer!

It was around 4-6 months when I saw the first offer.

Re: Chase

Pap_32 — Thu, 02 Jul 2020 03:55:14 GMT

@Anonymous wrote:
@RadioRob wrote:
(Back in the day they were green stars if I remember correctly!)
Not just back in the day....these were copied from my account today.

Yeah I was about to say the same thing Oh And I have the same offers as you.

Re: Chase

missji — Thu, 02 Jul 2020 05:13:24 GMT

@Anonymous wrote:
@RadioRob wrote:
(Back in the day they were green stars if I remember correctly!)
Not just back in the day....these were copied from my account today.

Now THIS is what folks should be coveting - the green preapproval not the prequalification.

Re: Chase

Anonymous — Fri, 03 Jul 2020 02:30:16 GMT

@missji wrote:
@Anonymous wrote:
@RadioRob wrote:
(Back in the day they were green stars if I remember correctly!)
Not just back in the day....these were copied from my account today.

Now THIS is what folks should be coveting - the green preapproval not the prequalification.

Preapproved are pretty much a done deal too, if not better than prequalified. They used to (or still do) show what the limit will be, so you know exactly what you are getting.

Re: Chase

Anonymous — Fri, 03 Jul 2020 06:01:47 GMT

Congrats on the prequals! I personally would recommend the Sapphire Preferred right now for the higher SUB and Q3 temp benefits. I can't justify the $550 AF especially since the travel industry is down + all the safety measures in place. Pick what is best for you!