I feel like such a cheater! NFCU across the street from Chase, watching me walk in. I still love you NFCU.
In short, I walked out of Chase approved for a CSP with $6,700 SL.
I unfroze all of my credit bureau files for today
I was 10 minutes early for my appointment time and was shown in a few minutes after my arrival. Debbie was my personal banker. She asked if I was there to apply for a credit card and if I was a current customer. I told her that I had my auto lease through Chase and that I wanted to see what CC I was pre-approved for. I told her that I was 5/24 and that in my Chase account page, Just For You offers, showed me pre-qualified offers but not for the card that I wanted. She asked which card and I told her the Southwest Rapid Rewards Priority CC.
Debbie told me in the 15 years she has been working at Chase, she has never seen pre-approvals for SWRR CC in branch. She said she would take a look anyway.
After verifying my identification employment and income, she pulled my offers and I was Pre-Approved for all of Chase's Core CCs. She said the reason I was only pre-qualified online is because I haven't updated my income in the last 12 months.
She showed me the screen and sure enough, I was pre-approved for all of Chase's Core CCs. No Southwest cards were offered pre-approved. Interestingly though, United's Explorer CC was shown as pre-approved.
Again, Debbie said that the Co-Branded cards are typically not offered as pre-approved in branch, only the core CCs.
Debbie stated that with preapprovals, there is a 98% approval rate. The 2% not approved is due to changes in someone's credit report since the AR. So I decided to go for the CSP. Debbie said to not be surprised if it "went to lending" since I am currently 5/24. Fifteen seconds after she submitted the application it came back approved for $6,700 at 21.74% APR.
Data points
I had a $1000 CO with WAMU in 2008 and it appears that Chase has forgiven me for this transgression.
I have been 5/24 since Nov 2018 and the pre-qualified on Chase.com was a solid offer as it was a pre-approval in branch.
The only relationship I have had with Chase Bank is my Subaru Lease since Aug 2018.
Chase does not offer pre-qualified or pre-approvals for co-branded cards in branch.
I took an HP on Transunion
When I arrived home I found this on my Chase accounts page.
Now I get to wait for my new metal card in the mail and enter the Gardening Hall of Shame!
Congratulations, Medic981!
congratulations on your chase cc approval! that's a one of the top tier dog in the game!💪🏾
