Another Chase pre-qual mailer

[sjt]

I mentioned in another post that I received a Chase pre-qual mailer a few weeks ago. I decided to just apply outright for the CSR when Im under 5/24 in a few months.

My SO received the same mailer, but has burned Chase 9 or 10 years ago. I told him to go for it, what does he have to lose. Anyone have any thought on whether he should go for it or not?

[AverageJoesCredit]

Only way to find out if ones on the bl is to app. Worse that happens pick up a couple hps and the knowledge no soup at the moment

[sjt]

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@AverageJoesCredit wrote:
Only way to find out if ones on the bl is to app. Worse that happens pick up a couple hps and the knowledge no soup at the moment

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He pulled the trigger. Got the 30 day notice and an email notice stating it can take up to 30 days. He called application status line and they said 7-10 days.

Doubled pulled EX and TU.

[Anonymous]

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@sjt wrote:

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@AverageJoesCredit wrote:
Only way to find out if ones on the bl is to app. Worse that happens pick up a couple hps and the knowledge no soup at the moment

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He pulled the trigger. Got the 30 day notice and an email notice stating it can take up to 30 days. He called application status line and they said 7-10 days.

Doubled pulled EX and TU.

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The fact that they pulled might be a good sign as far as bl is concerned. Any updates from robo-lady?

[Anonymous]

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@Anonymous wrote:

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@sjt wrote:

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@AverageJoesCredit wrote:
Only way to find out if ones on the bl is to app. Worse that happens pick up a couple hps and the knowledge no soup at the moment

---

He pulled the trigger. Got the 30 day notice and an email notice stating it can take up to 30 days. He called application status line and they said 7-10 days.

Doubled pulled EX and TU.

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The fact that they pulled might be a good sign as far as bl is concerned. Any updates from robo-lady?

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Nope, that's not a good indicator.  Chase will still pull your reports even if you are blacklisted.  Just another reminder that these mailers are 99% of the time pure marketing but a declined application certainly isn't that huge of a deal as sjt indicated.

[sjt]

Yup- Irish80 is right. Chase pulls credit regardless, unlike Amex. 

Because the mailer had a set APR and Opt-Out verbage, Im inclined to think that its an actual pre-qualifer and not a marketing mailer. The approval is a crap shoot, but either way its data points for the family.

[sjt]

Chase Freedom Unlimited

SO pre-qual app was approved. I posted in the approval section.