Chase credit journey prequals solid?!

[LuckyB338]

I have four prequal offers on chase credit journey. I am a chase customer but no credit products. I wanna go for the csp but debating since i get no offers on regular prequal site.

Data points
Aaoa: 1yr 3 months
Fico 8: ex 718, eq 714, tu 730
Three accs: 2 cards; 1600 and 4000 limits 1 loan (6k) in deferment but I still pay
No derogs or late payments
I’ve yet to 3x my Amex so 4000 could be 12k if decide to cli

Thoughts?

[LuckyB338]

Bump

[Anonymous]

I have three "offers selected for you" credit card offers on my account. Not getting offers on prequal site since I'm over 5/24. My offers are almost certainly marketing. I wish that weren't true.  Doctor of Credit articles say if offer has a solid apr, only asks for income... likely a true offer, good chance of approval. Offers with apr range, askingfor personal info & income... marketing, won't surpass 5/24.

You are not 5/24, and are a Chase customer... two very positive factors. Hopefully others with more/better knowledge will respong to your post. I'm new, limited experience/knowledge.

Post your results if you apply. Good luck!!!

[Anonymous]

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@LuckyB338 wrote:
I have four prequal offers on chase credit journey. I am a chase customer but no credit products. I wanna go for the csp but debating since i get no offers on regular prequal site.

Data points
Aaoa: 1yr 3 months
Fico 8: ex 718, eq 714, tu 730
Three accs: 2 cards; 1600 and 4000 limits 1 loan (6k) in deferment but I still pay
No derogs or late payments
I’ve yet to 3x my Amex so 4000 could be 12k if decide to cli

Thoughts?

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Not sure about your income but your listed data points supports an approval with or without preapproved offers for all Chase cards. 

[LuckyB338]

Income 36K. And I only have 1 inq (ex), others (0). Im an undergrad— short length of credit and low income, so I wasn’t sure if my odds were favorable. Thank you for the replies.

[Anonymous]

Your stats are pretty good but they might ask about the loan. I would go for it, and be prepared to recon and mention you are making payments on it. If you plead your case well I think you have a decent chance. The loan is your only negative I see.

[sjt]

You should stop by a branch and see if you are preapproved for a card product.

[codefreak13]

I have an almost 2-year old Freedom stuck at 1k. Had offers for FU, Slate, and CSP with green checks in my account and APR ranges, no offers ever on the prequal site. I pulled the trigger through my account page for the Slate for the 0% fee BT and was approved for $4300 with 680-690 scores and 47% overall util.

[sjt]

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@codefreak13 wrote:

I have an almost 2-year old Freedom stuck at 1k. Had offers for FU, Slate, and CSP with green checks in my account and APR ranges, no offers ever on the prequal site. I pulled the trigger through my account page for the Slate for the 0% fee BT and was approved for $4300 with 680-690 scores and 47% overall util.

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From what I was told, those green checkmarks are more solid then prequals.

[LuckyB338]

My offers are not shown on “your offers” in the dash. They are on credit journey where chase gives you the credit score. There it says you are prequalified and shows 4 cards no apr. if I click on it, it takes me to apply page where my info is already filled out in gray boxes (can’t be edited).