Chase credit journey prequals solid?!

[sjt]

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@LuckyB338 wrote:
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).

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Do you see a set APR in the disclosures? I would hold off until you get to a branch and talk to a Personal Banker to see if you have any firm offers (pre-approvals)

[Adkins]

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@LuckyB338 wrote:
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).

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Someone else also got offers via credit journey several months back. I don't remember the outcome though. You might try a forum search for the post. 

[LuckyB338]

Will do guys! I will update the post once I speak with my banker and hopefully others can benefit from my experience going forward. Thank you!

[LuckyB338]

Hello everyone, I’m back with good news. I been busy over the past few weeks, but I checked with my banker and I was just told I have 4 pre approvals. The credit journey pre apps are still there, I used the online prequal tool and it showed the same and the apr for csp and csr are 19.xx and 21.xx. I will apply in Aug only bc I like to space out each app at least 6 months. Credit journey prequals are legit!!!

[Anonymous]

Yep, after a couple months of "offers" not being pre-approvals, offers with set apr, only ask for income & phone # are approvals again. I got CSP(and AmazonPrime) when I was at 6/24. Freedom & Slate disappeared after using one offer , but supposedly they reappear after about 6mos.

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@LuckyB338 wrote:
Hello everyone, I’m back with good news. I been busy over the past few weeks, but I checked with my banker and I was just told I have 4 pre approvals. The credit journey pre apps are still there, I used the online prequal tool and it showed the same and the apr for csp and csr are 19.xx and 21.xx. I will apply in Aug only bc I like to space out each app at least 6 months. Credit journey prequals are legit!!!

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[sjt]

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@LuckyB338 wrote:
Hello everyone, I’m back with good news. I been busy over the past few weeks, but I checked with my banker and I was just told I have 4 pre approvals. The credit journey pre apps are still there, I used the online prequal tool and it showed the same and the apr for csp and csr are 19.xx and 21.xx. I will apply in Aug only bc I like to space out each app at least 6 months. Credit journey prequals are legit!!!

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Congrats!

Are the offers the branch has the same as the online pre-quals?

[LuckyB338]

Same apr. I keep thinking it’s higher than what I’m accustomed to seeing from other lenders though.