Chase Pre-Approval!?!? Scam!?!?

[805orbust]

Anyone ever heard of a pre-approval from Chase? Looks legitimate but I'm not trusting it. Thoughts? In my email today.

[coldfusion]

Chase preapprovals are solid but not 100% and there are a few senarios (a BK reporting on your credit profile is a classic one) that aren't evaluated for preapprovals but which lead to an automatic denial on application.

That being said if you have a clean profile or aged derogs, you've never burned them or a FI they have acquired, and there haven't been significant changes to your report like inquires or new accounts or a big jump in utilization over the last 3 months your odds of approval are very high.

[4sallypat]

Marketing offers are just that - marketing.

I get these but always get denied.

Chase does not like me at all....

[805orbust]

Ok cool. I had never heard of it existing/happening before.  I have an S-Corp that could use a higher limit card as all it has at present is an Amex BBP at $5k. BUT, I did a 3 card dopamine-inducing app spree 1 year ago (Navy Platinum, Freedom Flex, Penfed Gold), bought the Mrs a new car in October, and got approved for Aspiration Zero, and FNBO Evergreen last week. Not looking to tick anyone off... especially Chase. 

30 years ago I would have jumped without thinking but... 50's now and... Myfico 🤣

[BearsCubsOtters]

As 4sallypat said, it is likely marketing.

However, as you already have a Chase card, it would be beneficial to log in and look for the black star in your offers.  I am not sure where it is on mobile, but on desktop: log in, upper left-hand corner are the three bars, click, a menu opens and towards the bottom it says "Just for you." If there is a black star there or when you click it there is a black star and a picture of Ink Unlimited, you may actually be pre-approved with a good chance at approval.

[805orbust]

@BearsCubsOtters very cool. Will do. Thanks for the tip!

[SouthJamaica]

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@805orbust wrote:

Anyone ever heard of a pre-approval from Chase? Looks legitimate but I'm not trusting it. Thoughts? In my email today.

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Yes I have heard of preapprovals from Chase.

They are legitimate.

No guarantees but chances of approval are definitely improved.

If you have a Chase account you can check online under the "Just for You" link, to see what preapprovals you have at any given moment.

[M_Smart007]

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@805orbust wrote:

Anyone ever heard of a pre-approval from Chase? Looks legitimate but I'm not trusting it. Thoughts? In my email today.

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@805orbust, Congrats on your offer!

You have been given great advice by other forum members

One thing I would like to add, "IF" at all possible, go into a physical Chase branch,

and speak to a "Business relations manager" .. they seem to be able to get the impossible done at times.

Just my .02 cents.

[805orbust]

Ok @BearsCubsOtters @SouthJamaica @M_Smart007 , looks like I found it online with my laptop. So this is legit/what y'all were referring to

[M_Smart007]

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@805orbust wrote:

Ok @BearsCubsOtters @SouthJamaica @M_Smart007 , looks like I found it online with my laptop. So this is legit/what y'all were referring to

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@805orbust, Yes ... Those are pretty solid offers!