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Chase App Dilemma

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Chase App Dilemma

I was making a payment on my CSR yesterday and noticed a preapproval notice for the CFU on my Chase online banking site. I was going to product change my Slate to the CFU later this year but this could be an opportunity to go for the Trifecta if I applied for the CFU and product change the Slate to the Freedom. I'm currently @ 4/24 (Amex Gold, ED - Jan 2018, Discover It - Feb 2018 and Schwab Plat - April 2019).

My concern is that I've read about Chase recently taking AAs on some forum members after app'ing for preapproved cards and I definitely don't want to stir the pot. I'm one of the exceptions of owning a Chase flagship card with BK CH. 7 showing (app'd In Branch - no recon) and 1 additional card (Slate). 

Should I app or disregard the preapproval?

 

Screen Shot 2019-05-29 at 8.37.05 PM.png









Les murs ont des oreilles .
Message 1 of 17
16 REPLIES 16
Community Leader
Mega Contributor

Re: Chase App Dilemma

How old are CSR and Slate
Message 2 of 17
Regular Contributor

Re: Chase App Dilemma


@Remedios wrote:
How old are CSR and Slate

CSR - April 2017

Slate - Oct 2016









Les murs ont des oreilles .
Message 3 of 17
Valued Contributor

Re: Chase App Dilemma


@Doigt_dor wrote:

@Remedios wrote:
How old are CSR and Slate

CSR - April 2017

Slate - Oct 2016


You're probably good to go, but I wouldn't app for anything else for a while after taking the additional Chase card.

Amex PRG (NPSL), Amex Blue Cash ($24K), Amex Simply Cash+ ($4K), Discover ($22.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($10K), Buckle ($1.3K), BofA AAA Rewards ($67.6K), Paypal credit ($7.8K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K)
Message 4 of 17
Community Leader
Mega Contributor

Re: Chase App Dilemma

I don't think those instances of AA are applicable to you at all.
I would go for it.
Hopefully they still wont blink an eye at the presence of BK.

Good luck and I hope to see an approval thread from you!
Message 5 of 17
Established Contributor

Re: Chase App Dilemma

I think youre fine. I went Free, FU, CSP on 2/17, 7/17 and 11/17 based on preapprovals. Keep out if 90 day windows, but if your Chase cards are your the most recent you should be good given the 4/24
Bourbon and bow ties.
Current Cards:



2019 Immediate Goals:
7/19: 3x CLI for Hilton Aspire (SUCCESS!)
8/19: App for Chase Ink Cash (APPROVED!)
12/19: One bureau FICO 8 at 750 (DONE! EX FICO 8 at 750!)


2020 Goals:
$100K total CL (through organic/soft pull growth; presently 80.4K)
Garden Forever
Message 6 of 17
Regular Contributor

Re: Chase App Dilemma

I’m jealous. I have yet to get any offer from Chase at all so I would say in your position looks legit to me so go for it!
Message 7 of 17
Frequent Contributor

Re: Chase App Dilemma


@dberryhill wrote:
I think youre fine. I went Free, FU, CSP on 2/17, 7/17 and 11/17 based on preapprovals. Keep out if 90 day windows, but if your Chase cards are your the most recent you should be good given the 4/24

Sometime around November 2018, chase got WAAAAY more strict about people getting multiple cards in short timeframes. You got away with only having 5 months between each of your 3 chase cards in 2017, but if you tried the same thing in 2019, it's less likely they'd have let it slide.

 

These days, the recommendation is no longer to wait 90 days between apps like it used to be; now the recommendation is to wait at least 6 months or a year between chase apps.

 

Anyways, OP is well outside of that window anyways, so I think they're good to go. Enjoy the new CFU with that great SL! It's a great card, and pairs wonderfully with your CSR card.

    Total CL: $21,100
Fico 8 Scores:
12/2018:
03/2019:
06/2019:
09/2019:
Goals:   550 by 12/2018 600 by 3/2019   650 by 6/2019   700 by 1/2020   750 by 1/2021 800+ by 1/2022
7 derog. (all settled 1/2019)     |     Inquiries: 1, 4, 5     |     AoOA: 10.2yr     |     AAoA: 5.4yr     |     AoYA: 0.6yr
Message 8 of 17
Moderator

Re: Chase App Dilemma

Suprised with the BK on your CRA's but I agree you should be fine and somehow you are one of the rare people that get through their no BK barrier.  

Message 9 of 17
Highlighted
Frequent Contributor

Re: Chase App Dilemma

I didnt know that Chase shows the preapproved SL. That’s awesome! Good luck if you go for it 💪🏼
Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 620 TU8: 645 EX8:640
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS 6MONTHS AAOA: 2YR 6MONTHS
Inquiries in 12 months: EQ: 1 TU: 1 EX: 1
CLOSED: Self Lender 12Month CD: June 20th 19’


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17%
Message 10 of 17
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