Chase and Amex pre-quals

[Anonymous]

Quick question, I have some offers available finally as I am still rebuilding.

Current accounts:
Discover IT - $500 - let $10 report every month
Cap One Secured - $500 - let 0 report every month
Cap One QS1 - $300 - let 0 report every month
Jared Store - $2k ($608 balance) 0% apr
Best buy store - $1k ($577 balance) 0% apr

Current score is 648 EX, overall uti 30%, 10 inqs (5 in last year), 3 old chargeoffs / 3 paid collections (All from PRA, very difficult to get deleted). Time since negative, 2 years 9 months. AAoA, 3 years.

Finally got some preapproval offers from Chase / AMEX, just wanted to see if anyone knows how solid these are. I believe I am still under 5/24 (3 bank cards, 2 store cards).

APRS are high from both but Chase has 4 offers of FU, Freedom, Slate, and CSP with SUBs.

Amex has Everday, Blue Cash Everyday, and Green, with no SUBs.

I believe i'll get a score increase if overall uti is 28.9% or less. My ultimate goal card is the CSP, but I plan on having a freedom to transfer the UR points in the future. I really want to 'get in' with a better bank. I don't want to risk a denial if the offers are not solid, but this is the first time ive been prequal'd for anything, been checking several times the last few months. Good approval chances or nah?

[Anonymous]

Both are very solid. I got Chase FU in May with 640s thru green check mark. But haven’t seen anything since and I’m in 700s now!

[Anonymous]

You store cards may count against 5/24. There are data points on either side showing approvals and denials with store cards being part of the equation.

[Anonymous]

I just went for the CSP, but got the 30 day message. Called the app status line and I’m getting a 7-10 day message now. What are my chances? I’m hoping it’s verification, tempted to call the recon line tomorrow morning.

[Shadowfactor]

I would call. Store cards do count.

My fiancé just app’d for the CSR about 30 days ago. She talked to recon 6 times. Couldn’t get anyone to overlook the store card she has. They were willing to overlook the AU account but not the store card.

She app’d through chase.com on a Prequalified offer for CSP. Instantly approved at 6/24 if you include the AU account. 5/24 for her own cards.

YMMV but I would call and see what’s up.

It might not be for 5/24 at all. You have recent charge off’s and collections.
Chase likes to double pull EX and EQ so if they pulled both of those for you. What’s your EQ look like ?

Let us know what happens

[Anonymous]

Called the recon line a few times this morning and ultimately was not able to get approved , denial. One of the reps was nice and didn’t mention anything about number of accounts, only that the length of time that my
oldest cc was opened was too short. My discover it is not quite a year old yet. Back to the garden until I can age a bit more I suppose.

[Anonymous]

If you're near a Chase branch, the next time you app do it in-branch with a personal banker.