Chase 5/24 In-Branch Question

[BetterMoves]

In looking to bypass Chase’s 5/24 rule, I know checking with a personal banker is an option. But does that mean ‘teller’, or is that just referring to the representatives who tend to have the desks…although most of them have vanished from the Chase locations near me during this pandemic.

Thanks for your help.

[FinStar]

In a nutshell, when a personal banker has reviewed your overall profile and if a pre-approved offer has been presented, that's typically the only way to bypass 5/24 in most cases.  Not via teller, not by calling the branch, etc.  The alternative method would be online via "Just for you" offers if any black stars (pre-qualified w/solid APR) green check marks (pre-approved).

[Anonymous]

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@FinStar wrote:

In a nutshell, when a personal banker has reviewed your overall profile and if a pre-approved offer has been presented, that's typically the only way to bypass 5/24 in most cases.  Not via teller, not by calling the branch, etc.  The alternative method would be online via "Just for you" offers if any black stars (pre-qualified w/solid APR) green check marks (pre-approved).

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Tellers can see it if you do a txn with them like a deposit, they typically don't tell you though. The term is "gold box" or pre-approved credit card offer.

Tellers can view all the info that is visible from the desk computers at the teller station, too.

The teller can either direct you to a banker to do the app since they can't process it at the counter due to time/logistics, or go around and process it for you if they are available and able.