So my youngest DD just received notices today that she has some pre-qualified Chase cards. These White Star with black background offers are appearing in her account, all with a specific APR (no APR range listed): CSP, CSR, and CFU.
Checking the info here on MF, it seems like these are pretty solid offers but wanted to check with everyone first before discussing options with her this weekend. She has a solid foundation set right now, and she wasn't looking for more credit any time soon... but Chase's offer is tempting.
Any thoughts on how solid this offer for the CFU is? I highly doubt she could qualify for the CSR or CSP, but they aren't a good fit for her at this time anyway.
A bit of info on her credit history that may play into an approval or not:
- 4/24 as of last month for revolvers
- Chase Freedom approved 1 year ago for $4750
- Her last scoreable HP on EX hit 12 months yesterday and still has 2 on TU... no HP on EQ
- $16k income as a college student
- Scores are EX8 790 (today after last HP dropped off), EQ8 771 (on 3/4), TU8 775 (on 3/4)
I've never had one of those, but I've heard that is as rock-solid as you get with a Chase preapproval. They obviously like her and want her business! I agree that the CSP/CSR probably aren't a good fit for her right now as a college student, unless she travels a long way back and forth to school The Freedom she has is a good card but the CFU would be a nice supplement. A flat-rate 1.5% cash back card as a college student building a profile is a nice addition to the wallet. I would encourage her to jump on it while it's available! 
@Duke_Nukem, Was solid for me. wayyyy over 5/24
Try 27/24 Inqs. .. Don't know exactly how many new accounts at the time, can't count that high
After reviewing her spending on her NFCU MR (her daily driver), the CFU really does look like a good fit. Main spend is dining and some occassional runs to non-category places.
@M_Smart007 , you are an inspiration for landing a Chase card at LOL/24!!
@M_Smart007 wrote:@Duke_Nukem, Was solid for me. wayyyy over 5/24
Try 27/24 Inqs. .. Don't know exactly how many new accounts at the time, can't count that high
You should probably add the disclosure that you applied and were approved during temporary Chase glitch that occured during that time.
https://ficoforums.myfico.com/t5/Credit-Cards/Chase-pre-qualified-solid-offers/td-p/5810875
@Duke_Nukem wrote:After reviewing her spending on her NFCU MR (her daily driver), the CFU really does look like a good fit. Main spend is dining and some occassional runs to non-category places.
@M_Smart007 , you are an inspiration for landing a Chase card at LOL/24!!
@Duke_Nukem if she's able to hit the spend for a sapphire those would net more $ and can downgrade to a freedom product too : )
@simplynoir wrote:You should probably add the disclosure that you applied and were approved during temporary Chase glitch that occured during that time.
https://ficoforums.myfico.com/t5/Credit-Cards/Chase-pre-qualified-solid-offers/td-p/5810875
@simplynoir, Thank You