Chase Pre Approved Green Check mark

[MachoHombre]

Here is the letter, no mention of Experian being locked.   Even with the green checkmark and static interest rate on the offer, i was declined ...no doubt my recent spree got their attention.   As I mentioned before I should have gone with my gut, instead I put too much value in the green checkmark offer being a slam-dunk.

Not sure how I'll recon this letter, but likely will give it a whirl, but I don't have much faith.

[Anonymous]

Sorry!

A lesson learned for all of us. I bet in 6mo, maybe a year, you'll be good to try again.

---

@MachoHombre wrote:

Here is the letter, no mention of EQ being locked.   Even with the green checkmark and static interest rate on the offer, i was declined ...no doubt my recent spree got their attention.   As I mentioned before I should have gone with my gut, instead I put too much value in the green checkmark offer being a slam-dunk.

Not sure how I'll recon this letter, but likely will give it a whirl, but I don't have much faith.

---

[Anonymous]

Sorry about the denial OP. Thanks for providing us with an update.

It seems you’re on the fence...I’m not sure I’d rock the boat with another recon call. It seems your profile is strong with that great score. Hopefully, you get more green check mark offers in a few months after the new accounts and inquires have settled. I hope this experience won’t cause you apprehensi when the checks inevitably come back.

For the rest of us at least, it’s more clear that the green check marks with single APR is similar to any other prequalified offer. It’s an offer at a specific time in one’s credit cycle and if too much changes it can certainly change the course of an approval.

And for me, I’m just waiting for a ✅. It’ll never come, I’m sure. Chase hates me and I don’t blame them. Lol.

[MachoHombre]

---

@Anonymous wrote:
[snip]
......., it’s more clear that the green check marks with single APR is similar to any other prequalified offer. It’s an offer at a specific time in one’s credit cycle and if too much changes it can certainly change the course of an approval.
[snip]

---

No, I don't think that is entrirely accurate.  I have new information that will validate why and I'll post up details soon when I get hard copy of letter from them.

**punchline is that the green checkmark may give a good indication, but it is far from a slam dunk and in my case they baited me into applying, denied me (nothng had changed) and then used my app on the offer against me on another account.  

**..more details coming but all should be aware that the green checkmark and single APR are **NOT** slam dunk offers.

[Anonymous]

---

@MachoHombre wrote:

---

@Anonymous wrote:
[snip]
......., it’s more clear that the green check marks with single APR is similar to any other prequalified offer. It’s an offer at a specific time in one’s credit cycle and if too much changes it can certainly change the course of an approval.
[snip]

---

No, I don't think that is entrirely accurate.  I have new information that will validate why and I'll post up details soon when I get hard copy of letter from them.

**punchline is that the green checkmark may give a good indication, but it is far from a slam dunk and in my case they baited me into applying, denied me (nothng had changed) and then used my app on the offer against me on another account.  

**..more details coming but all should be aware that the green checkmark and single APR are **NOT** slam dunk offers.

What I said above alluded to the green check marks not necessarily being slam dunks, especially if there are credit profile changes from the time when a green check mark is extended. 

---

I thought you’d mentioned a recent accumulation of new cards prior to applying for a Chase card with green marks.  That would indicate a change in credit profile from the time when the green check mark was offered. 

Are you implying that Chase froze your other accounts and are doing a review pending possible closure?  

[sjt]

---

@Anonymous wrote:

---

@MachoHombre wrote:

---

@Anonymous wrote:
[snip]
......., it’s more clear that the green check marks with single APR is similar to any other prequalified offer. It’s an offer at a specific time in one’s credit cycle and if too much changes it can certainly change the course of an approval.
[snip]

---

No, I don't think that is entrirely accurate.  I have new information that will validate why and I'll post up details soon when I get hard copy of letter from them.

**punchline is that the green checkmark may give a good indication, but it is far from a slam dunk and in my case they baited me into applying, denied me (nothng had changed) and then used my app on the offer against me on another account.  

**..more details coming but all should be aware that the green checkmark and single APR are **NOT** slam dunk offers.

What I said above alluded to the green check marks not necessarily being slam dunks, especially if there are credit profile changes from the time when a green check mark is extended. 

---

I thought you’d mentioned a recent accumulation of new cards prior to applying for a Chase card with green marks.  That would indicate a change in credit profile from the time when the green check mark was offered. 

Are you implying that Chase froze your other accounts and are doing a review pending possible closure?  

---

If the OP accumulated cards within a short period of time, like within a month or two, that would pretty much overturn a pre qual offer.