topic Re: Chase credit journey - no preapproved offers in Credit Cards

Chase credit journey - no preapproved offers

HzzKai — Thu, 29 Aug 2024 20:53:14 GMT

Hello, folks. First post on the forum.

I just recently signed up for Chase credit journey after meeting with a chase representative in person (went for an in-branch SUB). He mentioned that I would see preapproved card offers with information to help decide which cards might be available. However, I don't see any of those in the app. Any ideas why?

My credit is currently frozen at all 3 bureaus. Could that be causing it? I also already have 3 chase cards and a few from other issuers. 800+ FICO score.

thanks!

Re: Chase credit journey - no preapproved offers

wingennis — Fri, 30 Aug 2024 00:37:01 GMT

I've never had any pre-approved offers via Credit Journey although I did through the pre-approval link. Some of us never feel that love from Chase.

Re: Chase credit journey - no preapproved offers

Yawgoog — Fri, 30 Aug 2024 01:02:23 GMT

In my experience, Chase stops showing preapproved card offers if you have applied for 5 or more cards in the past 24 months; this is part of the Chase 5/24 rule. The offers resume a few weeks after the frequency goes down to 4/24.

Re: Chase credit journey - no preapproved offers

CreditCurious — Fri, 30 Aug 2024 01:18:06 GMT

If you have ever burned Chase on a credit card before, they will put you in the no-new-credit-cards penalty box for a bunch of years. I burned them about 10 years ago, and i have just started to see pre-auth offers on the chase site in the past few months. Not their best cards, just their entry level cards.

I have had a chase checking account and a chase card for 14 years now.

This may not apply to you, just mentioning it on the off chance that it does.

Re: Chase credit journey - no preapproved offers

Horseshoez — Fri, 30 Aug 2024 01:37:30 GMT

@CreditCurious wrote:
If you have ever burned Chase on a credit card before, they will put you in the no-new-credit-cards penalty box for a bunch of years. I burned them about 10 years ago, and i have just started to see pre-auth offers on the chase site in the past few months. Not their best cards, just their entry level cards.

I have had a chase checking account and a chase card for 14 years now.

This may not apply to you, just mentioning it on the off chance that it does.

I burned Chase for north of ten-grand in my 2015 Chapter 13; in 2022 while I was opening a checking and savings account the associate in my local branch asked if I wanted a credit card as well. Bingo, CSP with a starting limit of $11,700. FWIW, I checked Credit Journey before I went in and it said the only thing I'd be approved for was a savings account.

Re: Chase credit journey - no preapproved offers

ptatohed — Fri, 30 Aug 2024 21:27:40 GMT

Hmmm, I always just look for pre-approvals on the main Accounts page (all I ever see is a car loan), I hardly ever click on the Credit Journey page so I didn't know different pre-approvals would be there. I looked and, yeah, I have two Ink offers. I don't even have a business! lol

Re: Chase credit journey - no preapproved offers

HzzKai — Fri, 30 Aug 2024 15:59:55 GMT

Thanks everyone for the advice. Interesting. I don't see anything like that, @ptatohed

I've not burned Chase or any other issuer. And I should only have 1 credit opening in last 24 months (from Chase). Was approved for a Freedom Unlimited. Was hoping to see offers for one the Sapphire cards, but getting nothing in credit journey. Guess I'll just wait or maybe go into a branch to ask. Thanks again everyone.

Re: Chase credit journey - no preapproved offers

CYBERSAM — Fri, 30 Aug 2024 20:56:37 GMT

@HzzKai wrote:
Thanks everyone for the advice. Interesting. I don't see anything like that, @ptatohed

I've not burned Chase or any other issuer. And I should only have 1 credit opening in last 24 months (from Chase). Was approved for a Freedom Unlimited. Was hoping to see offers for one the Sapphire cards, but getting nothing in credit journey. Guess I'll just wait or maybe go into a branch to ask. Thanks again everyone.

Just cold app and you should be fine! 🤑😉

Re: Chase credit journey - no preapproved offers

chrisw1968uk — Sat, 31 Aug 2024 13:53:46 GMT

I didn't think you would see offers if your credit was frozen?

Re: Chase credit journey - no preapproved offers

HzzKai — Sat, 31 Aug 2024 16:24:28 GMT

@chrisw1968uk wrote:
I didn't think you would see offers if your credit was frozen?

That's what I wasn't sure about. Are people unfreezing their credit just to get offers? I don't think that's worth the risk for me.

Re: Chase credit journey - no preapproved offers

Horseshoez — Sat, 31 Aug 2024 16:32:07 GMT

@HzzKai wrote:
@chrisw1968uk wrote:
I didn't think you would see offers if your credit was frozen?
That's what I wasn't sure about. Are people unfreezing their credit just to get offers? I don't think that's worth the risk for me.

My advice would be to not hang your hat on offers; apply for the cards you want. The fact is, preapproval offers are often not worth the paper they're printed on, conversely, getting approved without a preapproval is highly likely with a profile like yours.

Re: Chase credit journey - no preapproved offers

sjt — Tue, 03 Sep 2024 18:06:56 GMT

@HzzKai wrote:
Hello, folks. First post on the forum.

I just recently signed up for Chase credit journey after meeting with a chase representative in person (went for an in-branch SUB). He mentioned that I would see preapproved card offers with information to help decide which cards might be available. However, I don't see any of those in the app. Any ideas why?

My credit is currently frozen at all 3 bureaus. Could that be causing it? I also already have 3 chase cards and a few from other issuers. 800+ FICO score.

thanks!

I was told having your credit frozen is not a factor. When did you get the 3 Chase and other cards? Depending on when they were opened, that could be a factor in not getting any pre-approval or pre-qualified offers.

Re: Chase credit journey - no preapproved offers

Horseshoez — Tue, 03 Sep 2024 18:32:57 GMT

@sjt wrote:
@HzzKai wrote:
Hello, folks. First post on the forum.

I just recently signed up for Chase credit journey after meeting with a chase representative in person (went for an in-branch SUB). He mentioned that I would see preapproved card offers with information to help decide which cards might be available. However, I don't see any of those in the app. Any ideas why?

My credit is currently frozen at all 3 bureaus. Could that be causing it? I also already have 3 chase cards and a few from other issuers. 800+ FICO score.

thanks!
I was told having your credit frozen is not a factor. When did you get the 3 Chase and other cards? Depending on when they were opened, that could be a factor in not getting any pre-approval or pre-qualified offers.

Once you have an account with Chase you can get pre-approvals with your reports frozen, however, I don't believe they send out pre-approvals to non-customers with frozen reports.