Are These Chase Offers Legit?

[Yacatisma]

Hello everyone, I was checking out my Chase App and came across all these personalized offers. What's interesting is it says that I am ''already approved'' not ''pre-approved''. I have been banking with Chase for 2 years now and my DD acc. is with them.

My scores are, EX 755 EQ 735 TU 742. Credit history 1 year with nothing negative. Uti. %1

My annual income is 40K and I don't think a Reserve/Sapphire card would appeal to me, so this makes me skeptical about it. What are your thoughts on this?

[Anonymous]

A lot of people have been successful with the pre-approvals from chase, even with no pre approvals they were still able to get a card. If you want a chase card, you should apply for one, your score, uti, and income are perfectly fine for a chase card. There are college students getting the reserve and preferred, so you don't need a fancy 500k salary for those or something! Worth it? That's a whole other story and depends on the individual. Find a card for YOU

[capnsloya]

Generally, Chase pre-approvals with a set APR tend to be pretty good metrics for an approval. I haven't seen "You're already approved!" before, but if you have a set APR instead of a range, I say your odds are good! 

[cashorcharge]

Yes they are!  Pick one and enjoy!! Congrats

[CreditCuriosity]

yes 99% good... 

[VintageMel]

Does anyone know if these offers are an indicator that one is off the blacklist?  During the last financial crisis I let a total of about $1200 between 2 Chase cards go to collections, though eventually I did pay both in full. 

I now have these same You're Already Approved offers in the Chase app (with solid APRs listed) and have been wondering if that means I am now forgiven. I should perhaps also note that in the last 4 years I have been approved for Subaru financing through Chase twice, so they at least trust me that far.

[randomguy1]

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@VintageMel wrote:

Does anyone know if these offers are an indicator that one is off the blacklist?  During the last financial crisis I let a total of about $1200 between 2 Chase cards go to collections, though eventually I did pay both in full. 

I now have these same You're Already Approved offers in the Chase app (with solid APRs listed) and have been wondering if that means I am now forgiven. I should perhaps also note that in the last 4 years I have been approved for Subaru financing through Chase twice, so they at least trust me that far.

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Sounds like it. 

[Tito1183]

This is exactly how I got my Preferred Sapphire.

[Anonymous]

Pretty nice lineup they're throwing at you! All I have in my offers are the two Airline cards, probably because if already have CFU and Sapphire.

Though they could have at least offered me the Amazon or other Freedom. 

I think now is the time if you're interested in getting another Chase card, you never know when those offers will come back or for which ones.

[Jetiquette]

Yes - I have always been instantly approved when I have one of thos offers. I would jump on that CSR offer if it were me.