Chase PreApproval APR

[Bluedog23]

Considering applying for Chase CC. I've been preaaproved on Chase's site for Freedom, Slate, and CSP for  months. Recently the APR changed on the Freedom from 13.99 to 18.99. A couple of months ago, there was an error on my CR which caused my TU score to plummet by 100 pts. This only showed on TU and has since been corrected as of 3/15. Current scores TU-768

EQ-748 EX 805. My question -- is the APR shown on the site the one you'll definitely get if approved, or does Chase pull a fresh report and base your APR  on that? I guess it's possible that the soft is from a newer report and they just changed the terms for some other reason. 

Any response appreciated.

[CreditCuriosity]

Dunno to be honest.. If you haven't applied for alot of new credit I would just cold app with those scores if you Utilization is in check...  You should pretty much be guranteed an approval if you haven't opened alot of new accounts in the last two years.

[Anonymous]

The APR showed is what you will get.  If you want to get the lower APR then it is best for you to wait until all your reports update so the when you are pre-qualified again, it will show the lower APR.

[newhis]

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@Bluedog23 wrote:

Considering applying for Chase CC. I've been preaaproved on Chase's site for Freedom, Slate, and CSP for  months. Recently the APR changed on the Freedom from 13.99 to 18.99. A couple of months ago, there was an error on my CR which caused my TU score to plummet by 100 pts. This only showed on TU and has since been corrected as of 3/15. Current scores TU-768

EQ-748 EX 805. My question -- is the APR shown on the site the one you'll definitely get if approved, or does Chase pull a fresh report and base your APR  on that? I guess it's possible that the soft is from a newer report and they just changed the terms for some other reason. 

Any response appreciated.

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Did you apply for somethin recently? I think the APR changes if you have new HPs in your report. I did some pre-quals a few months ago and got 22.9% for one card, then a couple of months later 17.9% now 12.9%, my last app/HP 5 months ago.

Because they have a pre-qual for you, I think they will use that for your approval, so you will get 18.99%.

What is more important for you, the lower APR or the $200 bonus?

[Bluedog23]

Thanks to all for the replies. I haven't apped for anything since July 2014 auto loan. The CR error was corrected in early March. I was just wondering if it was simply a case of Chase not having done a soft since the February error TU score. Not a huge deal. I was just hoping that since they'll obviously pull a report they would base APR on the most current information.. Who knows, maybe the higher APR is based on corrected scores. Maybe the rate changed for some other reason. As,one poster said, gotta decide,if the 200.00"is,worth it.

[newhis]

You can wait a couple of weeks to see if anything changes before apping. Good luck.