So, I went through some random pre-qualifies tonight just to see what pops up, as I occasionally do. Usually, it's absolutely nothing, expecially with the big players like Chase and Citi. I have literally never ever ever gotten a pre-qual with either of them. But then tonight, Chase popped up with FIVE pre-approved offers! WHAT. NO WAY. Guess all my hard work has paid off!!
I read through the offers and decided the Freedom Flex was more in line with what I want right now, so I pulled the trigger and applied. Got a notice about review, which is expected because I believe they pull Experian, and that's the last bureau I have yet to remove an extended faud alert from (TU and EQ were easy, EX, not so much).
Anyway, I expect a call from them in the next few days to verify that it was me who applied for credit and hopefully (probably?) get an approval! I don't even care at this point what the starting limit is, I just want my foot in the door! My goal right now is to SD my 3 bucketed Cap 1 cards ($500, $600, $1050 limits, have had them for years, they're just stuck with low limits, of course) and move on to higher-tier products. .
So, I guess I'll be answering calls from unknown numbers for the next week or so. Fingers crossed and wish me luck!!
I am very skeptical of that pre-qual, but good luck I hope it works out for you.
Woke up this morning to an email from Chase requesting I send them proof of my date of birth and physical address, so I just uploaded a copy of my driver's license and last paystub for them. If I don't hear anything today or Monday, I'll give them a call.
When I did the app for the card, it did give me a specific interest rate (vs a range), so I'm feeling pretty optimistic about an approval!
@ORllyNao wrote:When I did the app for the card, it did give me a specific interest rate (vs a range), so I'm feeling pretty optimistic about an approval!
No doubt that is generally a strong indicator of approval on a great card! My initial post was in regards to the pre-qual site not using Chase new account criteria like 5/24. They pre-qualified me for the chase line up and I know I don't qualify because I am 11/24 on a 20 month old credit build, that is a hard no for Chase.
Hopefully you will get your new shinny!
@ORllyNao wrote:Woke up this morning to an email from Chase requesting I send them proof of my date of birth and physical address, so I just uploaded a copy of my driver's license and last paystub for them. If I don't hear anything today or Monday, I'll give them a call.
When I did the app for the card, it did give me a specific interest rate (vs a range), so I'm feeling pretty optimistic about an approval!
Keep us posted, good luck, I hope you get the approval!!
Small update - I called earlier this afternoon to check the status and the robo-lady said my application was in review and I'd be notified in writing in 7-10 days. I opted to speak with a CSR and asked if they could confirm that they received the documents I sent. I was transfered to the verification department, then put on hold for about 5 minutes before the very sweet CSR came back to let me know they did receive them, and that my application would now be able to go through the rest of the review process and it "shouldn't be long now."
Called again a few minutes ago just to see if the robo-lady said anything different, and yep. It has now updated to "two weeks" instead of the 7-10 days. Fingers crossed I get an approval email in the next few days!🤞🏼
Good luck on the Freedom Flex application. I'm sure it will be shortly approved with the new two week message. Having a small range of interest rates and that many preapprovals shows that Chase might finally be openning up. (I've heard 5/24 doesn't really matter when Chase grants preapprovals)
