CFU in branch pre approval lol/24???

[Caught750]

So I’ve discussed this app with some of you already. I’m looking for additional input.

First I have an in branch pre approval for CFU. I’ve heard everything from these don’t get shut down and are almost bomb proof to they are no different than any other app.

I went hard with apps early this year and have a recent approval as well. I believe 6 this year. That said Chase based the pre approvals on a 3 day old SP. That SP doesn’t leave much to the imagination. My CSP is also 3 months old and Hyatt is a year old. I wish I had time to say I’ll wait 3 to 6 months but I don’t as I’ll be in the garden for a mortgage. Yes I know I’m supposed to be in there already by my own admission but June 1st is the hard deadline where I ABSOLUTELY CANT STEP OUT.

I have a lot of history with Chase spanning back about 10 years. I’m looking for thoughts on whether or not to pull the trigger. Chase is my main bank and has my direct deposit as well. If I do and get AA is it likely closure of all CC accounts, the new account, all accounts including banking?

[pinkandgrey]

I hate to tell you what you’ve already read elsewhere lol but the in-branch apps seem to work out regardless of your x/24 status. Also, when Chase prequals you, it seems to be legit. Let us know what you decide and good luck!


It’s springtime; your garden has plenty of time to grow

[Caught750]

Pink, thanks. I’m just looking to know (as much as one can) that I’m safe and don’t need to fear AA.

I’ve certainly read the same and Chase has been very very good to me. It’s simply a bit concerning when you read the things here about AA.

[Anonymous]

Chase won’t take AA unless you go on a spree and add other cards right after theirs. They don’t much care to be included in sprees but a preapproval from them is generally considered very solid. 

With your extensive relationship, I wouldn’t be concerned about anything. 

[Caught750]

Thought the same, thank you Saeren! Ironically all of my Chase cards came around sprees. I appreciate the positive input as I’m used to such baby gloves when Chase comes up!

[Anonymous]

One way to maintain your handle forever is to not stay in the garden long.  You'll always be chasing 750.  Hopefully you wll not be getting Chased.

[Caught750]

CC, I’m not sure what that had to do with my post but thank you anyway. I believe it stated that following this app, or not app, I’ll be in the garden for the next 15 months.

[Anonymous]

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@Caught750 wrote:
Thought the same, thank you Saeren! Ironically all of my Chase cards came around sprees. I appreciate the positive input as I’m used to such baby gloves when Chase comes up!

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Chase definitely doesn’t seem to mind as much when they can see your banking habits. 

They even seem to be opening up routes for non-Chase customers who sign up for Credit Journey presumably since they can monitor their credit report over time and get an idea of spend and payment habits. 

I really would not worry with your long relationship. 

[Caught750]

Great! That’s the information I was looking for. We’ve even been burning through savings as DW has been out of work for a bit (DS was born). We still PIF and Chase sees it all. Especially that we are still in good place with plenty of savings. DW will also be back to work so more money flowing through Chase.

I’ve often thought their knowledge of banking customers got lots of understanding and diminished concerns. My CSP is the lowest APR and CFU shows the same.

I should clarify though, there was some gap in that history. A year currently.

[FinStar]

While potentially the outcome may be ok, just keep in mind the possibility of AA risk regardless of in-branch pre-approval. No one here would know what the PRR folks might do if it lands on the radar. Hopefully it plays out ok.

How long ago was the CSP approval btw?