topic Re: You’re Already Approved! Message on Chase Journey today for 7 different cards. in Credit Cards

You’re Already Approved! Message on Chase Journey today for 7 different cards.

nwa479 — Sat, 30 Sep 2023 00:23:35 GMT

I signed into Chase Credit Journey today and received the green "Your already approved" for 8 different cards.

On the first page, the following two were listed

1) Chase Sapphire Reserve. 18,000 SL. 60,000 points with $4,000 in spend in the next three months.
2) Chase Slate Edge. $6,000 SL. 0 % for 21 months.

I then clicked on the credit card button and the following additional cards were listed.

1) Chase Freedom Unlimited. $9,000 SL. $200 bonus for $500 spent in three months. 0% interest for 15 months.
2) Southwest Rapid Rewards Plus. No starting line noted. I don't fly Southwest anyway.
3) Chase Sapphire Preferred. $18,000 SL. 75,000 points for $4000 spend in 3 months.
4) Chase Freedom Flex. $9000 SL

5) United Explorer Mileage Plus.

Last week I had received a mail offer for the Chase Sapphire Preferred with 80,000 points but with $5,000 in spend in 3 months.

My concern with applying at that time was 3 cards in the last six months, but still at 4/24. My scores are all in the 760 to 770 range. From everything I've heard on the forum the 'Your already approved' on Chase journey is almost always a sure thing.

Leaning towards the Chase Sapphire Preferred since I don't travel enough at this time to want the $550 fee on the reserve. Also the 75,000 points is a great offer.

Best advice I got from this forum was to sign up for the Chase Credit journey, which I did about six weeks ago.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

Jeffster1 — Sat, 30 Sep 2023 00:41:55 GMT

CONGRATS on the great pre-approvals!

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

ptatohed — Sat, 30 Sep 2023 00:44:04 GMT

Nice, all I ever see there is an 8% car loan.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

NYC_Fella — Sat, 30 Sep 2023 01:16:37 GMT

I'm not familiar with Chase Credit Journey. I understand that it's free to join, but do you need to have a relationship with Chase to get pre-approvals for credit cards?

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

nwa479 — Sat, 30 Sep 2023 02:48:07 GMT

@NYC_Fella wrote:
I'm not familiar with Chase Credit Journey. I understand that it's free to join, but do you need to have a relationship with Chase to get pre-approvals for credit cards?

No you don't need a prior relationship. I don't have any accounts with Chase at this point. After the first two weeks on credit journey I got an email from Chase that I'd checked the sight 14 times. They suggested I check it weekly. I was just learning the site but decided to slow down and just check it once or twice a week. Not sure it made a difference.

I know that platform on Chase Credit Journey is Experian. I've also been periodically checking the Experian site. A few weeks ago I started getting pre-approved offers for Chase on the Experian site. Most were Chase Sapphire Preferred. Once Chase Freedom Unlimited appeared for a few days.

I had also several times in the past couple of months checked for pre-approvals on sites like Cardmatch.com or ThePointsGuy.com. They also started showing Chase. I don't remember the site, but yesterday I also downloaded a guide on how to maximize travel points.

There are other posts on this forum that go into the need for a relationship or not. Chase is not one where this makes a difference like it might for other banks, like US Bank, Wells Fargo, or Bank of America.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

nwa479 — Sat, 30 Sep 2023 02:53:18 GMT

@ptatohed wrote:
Nice, all I ever see there is an 8% car loan.

Maybe the card options don't appear after you already have a Chase card. (Chase Freedom). This happened to me on Amex. After I got the Blue Cash Everyday some of the other offers disappeared. Not sure but I think they'll reappear soon. No idea if you are over or under 5/25. That might make a difference too.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

SouthJamaica — Sat, 30 Sep 2023 03:58:32 GMT

@ptatohed wrote:
Nice, all I ever see there is an 8% car loan.

All I ever see is an invitation to apply for a kids' debit card

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

ptatohed — Sat, 30 Sep 2023 05:17:48 GMT

@SouthJamaica wrote:
@ptatohed wrote:
Nice, all I ever see there is an 8% car loan.
All I ever see is an invitation to apply for a kids' debit card

Ha ha. I get that too but the Main Menu is only the car loan, and then if I go to the Just for you, I see the kid's debit card.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

nwa479 — Sat, 30 Sep 2023 09:11:33 GMT

@SouthJamaica wrote:
@ptatohed wrote:
Nice, all I ever see there is an 8% car loan.
All I ever see is an invitation to apply for a kids' debit card

That's interesting that they'd offer a kids debit card. You've got a great collection of cards though. I probably will never get another Chase because I won't be at 4/24 again til June if I can wait that long to app for another one. I could still get the Amazon Prime card at 5/24 which is tempting for the 5% CB.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

nwa479 — Sat, 30 Sep 2023 14:09:57 GMT

Well it's not automatic. Got the 7-10 message after accepting the CSP offer. May be due to 3 cards since May. It wasn't an outright rejection but probably will end up as one, or maybe a reduced starting line. I should have waited until February so I had no accounts within six months.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

SouthJamaica — Sat, 30 Sep 2023 15:57:42 GMT

@ptatohed wrote:
@SouthJamaica wrote:
@ptatohed wrote:
Nice, all I ever see there is an 8% car loan.
All I ever see is an invitation to apply for a kids' debit card

Ha ha. I get that too but the Main Menu is only the car loan, and then if I go to the Just for you, I see the kid's debit card.

Oh. On that first screen all I get is an invitation to open up an investment account with them with $0 advisory fee for the first 6 months. I guess their soft pulls of my credit reports have led them to the conclusion that I'm not that bright. Which is not, actually, an unreasonable conclusion for them to draw from my credit reports

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

xenon3030 — Sat, 30 Sep 2023 17:13:27 GMT

If you are not a frequent traveler and want also an infinite Visa, you may go for both CSP and US Bank Altitude Reserve, instead of CSR. Both cards have a good SUB.

CSP has an AF of $95, while it has some temporary perks like $15/quarter Instacart and $10/month Gopuff credit. So, without any travel it has a negative AF (-$85). The perks should end in some months but they might add some later on. Its primary car rental insurance is a good perk to use.

US Bank AR in an infinite Visa with AF of $400 with it has $325 annual credit on takeout. Its effective AF is only $75. It gives 3X also on digital wallet (good for Costco). Its primary car rental insurance is better than CSP (higher coverage). It has more perks than CSP like Global Engry.

CSR has a high AF of $550 and to get the annual travel credit, you need to book a travel via Chase portal. So, without travel, it is hard to justify the high net AF (Gopuff credit of $10/month, Instacart~$15/month --> net AF without travel~ +$250).

PS: Gopuff credit ends at the end of 2023. The Instacart credit ends in 07/2024.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

Blender — Sat, 30 Sep 2023 17:27:58 GMT

~~I want to figure out how to un-enroll from Chase credit journey~~ (in some hopes that it'll reset and I start getting offers lol). I too, am only getting a 9% car loan and debit card for my non existent kid. I see that my bank card scores are still not above 700 but i hope that will change once my CFF statement updates from 68% to 28%.

Those are great pre-approvals tho, best of luck on that CSP app!

EDIT: found it using the web browser

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

nwa479 — Sat, 30 Sep 2023 17:57:05 GMT

@Blender wrote:
~~I want to figure out how to un-enroll from Chase credit journey~~ (in some hopes that it'll reset and I start getting offers lol). I too, am only getting a 9% car loan and debit card for my non existent kid. I see that my bank card scores are still not above 700 but i hope that will change once my CFF statement updates from 68% to 28%.

Those are great pre-approvals tho, best of luck on that CSP app!

EDIT: found it using the web browser

Great pre-approvals but got 7-10 day message on CSP app. So the 'your already approved' wasn't accurate. It caused me to deviate from my original plan to app in January or February after I was 0/6 on new accounts. I will talk to recon to gain some insight into why it's probably denied. Right now it's probably 3 new accounts since May, and too many accounts with balances. My current utilization is 21 percent. This should be down by year end. I was really surprised to see I was 'already approved'.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

Blender — Sat, 30 Sep 2023 17:58:49 GMT

@nwa479 Can't you call recon right now n try with a live person?

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

Linnaea — Sat, 30 Sep 2023 18:07:33 GMT

@nwa479 wrote:
@Blender wrote:
~~I want to figure out how to un-enroll from Chase credit journey~~ (in some hopes that it'll reset and I start getting offers lol). I too, am only getting a 9% car loan and debit card for my non existent kid. I see that my bank card scores are still not above 700 but i hope that will change once my CFF statement updates from 68% to 28%.

Those are great pre-approvals tho, best of luck on that CSP app!

EDIT: found it using the web browser
Great pre-approvals but got 7-10 day message on CSP app. So the 'your already approved' wasn't accurate. It caused me to deviate from my original plan to app in January or February after I was 0/6 on new accounts. I will talk to recon to gain some insight into why it's probably denied. Right now it's probably 3 new accounts since May, and too many accounts with balances. My current utilization is 21 percent. This should be down by year end. I was really surprised to see I was 'already approved'.

Keep us posted. O know or will be good.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

nwa479 — Sat, 30 Sep 2023 18:24:37 GMT

@Blender wrote:
@nwa479 Can't you call recon right now n try with a live person?

I probably could call now, but will probably just wait until Monday. Not sure what the process is or what the recon number is for Chase. I've been pretty cautious with apps over the years so haven't ever had to call recon. I'm wondering if there's a lag in the information Chase had compared to what they pulled today. I had a new Amex account open in July that finally reported last week. Also an Apple Card approved in August. Chase pulled Experian. I think the new account was already there. They were either spooked by the two recent new accounts, the 21% utilization, or too many accounts with balances. I wish they had not put 'your already approved' on their website. There was a disconnect somewhere.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

Blender — Sat, 30 Sep 2023 20:40:38 GMT

@nwa479 wrote:
@Blender wrote:
@nwa479 Can't you call recon right now n try with a live person?
I probably could call now, but will probably just wait until Monday. Not sure what the process is or what the recon number is for Chase. I've been pretty cautious with apps over the years so haven't ever had to call recon. I'm wondering if there's a lag in the information Chase had compared to what they pulled today. I had a new Amex account open in July that finally reported last week. Also an Apple Card approved in August. Chase pulled Experian. I think the new account was already there. They were either spooked by the two recent new accounts, the 21% utilization, or too many accounts with balances. I wish they had not put 'your already approved' on their website. There was a disconnect somewhere.

Chase: 888-270-2127

7-10 day message 'could' just mean they need to verify your identity.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

nwa479 — Sat, 30 Sep 2023 22:08:08 GMT

@Blender wrote:
@nwa479 wrote:
@Blender wrote:
@nwa479 Can't you call recon right now n try with a live person?
I probably could call now, but will probably just wait until Monday. Not sure what the process is or what the recon number is for Chase. I've been pretty cautious with apps over the years so haven't ever had to call recon. I'm wondering if there's a lag in the information Chase had compared to what they pulled today. I had a new Amex account open in July that finally reported last week. Also an Apple Card approved in August. Chase pulled Experian. I think the new account was already there. They were either spooked by the two recent new accounts, the 21% utilization, or too many accounts with balances. I wish they had not put 'your already approved' on their website. There was a disconnect somewhere.
Chase: 888-270-2127

7-10 day message 'could' just mean they need to verify your identity.

It's possible. But I don't think that's the case this time since I was on Chase Credit Journey for the past six weeks. I was surprised they had me as 'already approved' given recent new accounts. I search the forum for any comments on how Chase handles new accounts/ inquiries. Most comment focused on the 5/24. Nothing about the past six months.

Re: You’re Already Approved! Message on Chase Journey today for 7 different cards.

911gt34life — Sat, 30 Sep 2023 22:59:07 GMT

i would call monday morning asap... i dream the day i get Already Approved!