I just logged into both my mobile app (and then the online website to confirm) and this popped up:
Are these solid offers? My inclination from everything I know is that they should be. A little background though:
- I picked up a new Chase Sapphire card this last December 2020
- Got another card with my credit union this past March
- Right now I'm at 4/24, with respect to Chase' 5/24 rule
- 3 baddies from 7 years ago set to fall off this Nov-Dec
From everything I've read, it seems that the CFF or CFU are ideal companion cards to carry with the CSP in so far as the point transfer game is concerned.
1) Should I bother applying and if so, is this as close to a slam dunk as it gets?
2) If I do apply, any recommendations as to which? I don't know why I'd bother with the United or Southwest card; Already a premier silver member on United anyway.
3) Should I pay off the small balance on my CSP before applying?
4) I've been pretty happy gardening and letting my scores gradually go up. While I don't "need" the extra card, I'd probably use it in lieu of others I have because of the benefits it provides in conjunction with my other Chase card. Things have been going steadily well over the past few years and I don't want to unnecessarily "poke the bear".
Thanks in advance.
Oct 2024Side note - I froze my credit. I'm assuming I'd have to temporarily unfreeze it if I go ahead with this?
I got the CSP first shot without a recon. $9900 on the CL
Congratulations on being targeted for these offers! I can't wait to start getting these targeted offers someday! I've had my Chase Freedom 17 months but I never get offers like these. I'm over 5/24 though which I think is why. I'm 11/24 right now!😬
I think you have great odds of being approved for whichever one you choose! I've heard once you apply the other offers disappear so I guess make sure you go after the one you want the most!
@BuildingBetterCredit2020 wrote:I just logged into both my mobile app (and then the online website to confirm) and this popped up:
Are these solid offers? My inclination from everything I know is that they should be. A little background though:
- I picked up a new Chase Sapphire card this last December 2020
- Got another card with my credit union this past March
- Right now I'm at 4/24, with respect to Chase' 5/24 rule
- 3 baddies from 7 years ago set to fall off this Nov-Dec
From everything I've read, it seems that the CFF or CFU are ideal companion cards to carry with the CSP in so far as the point transfer game is concerned.
1) Should I bother applying and if so, is this as close to a slam dunk as it gets? You are definitely already pre-approved, so technically yes.
2) If I do apply, any recommendations as to which? I don't know why I'd bother with the United or Southwest card; Already a premier silver member on United anyway. You need to decide which of those 4 will be of benefit to you in the long run. So, you'll need to do some math and see what other CCs you already have to avoid redundancy and since you already have CSP, decide whether CFF or CFU (not both) will align with your spending to maximize UR redemptions.
3) Should I pay off the small balance on my CSP before applying? Not necessary
4) I've been pretty happy gardening and letting my scores gradually go up. While I don't "need" the extra card, I'd probably use it in lieu of others I have because of the benefits it provides in conjunction with my other Chase card. Things have been going steadily well over the past few years and I don't want to unnecessarily "poke the bear". You won't necessarily poke the bear, especially since CSP is past the 6-month mark, unless you go on another spree (not recommended). That said, decide soon because these offers disappear quickly.
Thanks in advance.
All of the 4 that display as green stars/"you're already approved" are solid offers and can bypass the 5/24 restriction. That said, since it appears you're below that threshold, you should be ok.
@BuildingBetterCredit2020 wrote:I just logged into both my mobile app (and then the online website to confirm) and this popped up:
Are these solid offers? My inclination from everything I know is that they should be. A little background though:
- I picked up a new Chase Sapphire card this last December 2020
- Got another card with my credit union this past March
- Right now I'm at 4/24, with respect to Chase' 5/24 rule
- 3 baddies from 7 years ago set to fall off this Nov-Dec
From everything I've read, it seems that the CFF or CFU are ideal companion cards to carry with the CSP in so far as the point transfer game is concerned.
1) Should I bother applying and if so, is this as close to a slam dunk as it gets?
2) If I do apply, any recommendations as to which? I don't know why I'd bother with the United or Southwest card; Already a premier silver member on United anyway.
3) Should I pay off the small balance on my CSP before applying?
4) I've been pretty happy gardening and letting my scores gradually go up. While I don't "need" the extra card, I'd probably use it in lieu of others I have because of the benefits it provides in conjunction with my other Chase card. Things have been going steadily well over the past few years and I don't want to unnecessarily "poke the bear".
Thanks in advance.
Yes they're for real. Very real. If you apply for any one of them you are very very likely to be approved.
@BuildingBetterCredit2020 wrote:Side note - I froze my credit. I'm assuming I'd have to temporarily unfreeze it if I go ahead with this?
Of course.