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Chase pre-approval in chase credit journey.

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LuckyB338
Regular Contributor

Re: Chase pre-approval in chase credit journey.

Sorry I’m late to the party folks! I’ve done extensive research into credit journey pre quals, and the findings are as follows;

- They bypass 5/24
- If you have credit journey pre quals you have/or will have pre quals on the regular site
- They are 100% solid as long as there has not been any significant changes to you’re report.
- You can go to a branch to further verify
Message 11 of 18
SweetCreditObsession
Valued Contributor

Re: Chase pre-approval in chase credit journey.

Congratulations on the new account and for providing us with the data points! ☺️



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 12 of 18
SweetCreditObsession
Valued Contributor

Re: Chase pre-approval in chase credit journey.


@LuckyB338 wrote:
Sorry I’m late to the party folks! I’ve done extensive research into credit journey pre quals, and the findings are as follows;

- They bypass 5/24
- If you have credit journey pre quals you have/or will have pre quals on the regular site
- They are 100% solid as long as there has not been any significant changes to you’re report.
- You can go to a branch to further verify

To clarify for any folks that do not currently have a relationship with Chase...these data points apply to those who DO have a relationship with Chase. Credit Journey for non-Chase members does not provide pre-qualified offers.



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 13 of 18
LuckyB338
Regular Contributor

Re: Chase pre-approval in chase credit journey.

Thank you for pointing that out!

To that point, non-chase customers are still eligible to sign up for credit journey! I suggest you do so if you have established at least 1 year of average age and still lack online pre quals. Though you may not see offers, it will likely get you on chases radar and will help you with regular site pre quals.

I hope this helps. Please feel free to ask if you have any more questions.
Message 14 of 18
SweetCreditObsession
Valued Contributor

Re: Chase pre-approval in chase credit journey.

Excellent advice!


(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 15 of 18
Cred4All
Valued Contributor

Re: Chase pre-approval in chase credit journey.

Great points all around, thanks for that ladies & gents.  Being a newer Chase member myself, this just saved me a # of questions in the future.


Message 16 of 18
Anonymous
Not applicable

Re: Chase pre-approval in chase credit journey.

Also must note at least for me the credit journey pre-approval was a double pull. Experian and transunion

Message 17 of 18
Anonymous
Not applicable

Re: Chase pre-approval in chase credit journey.

Actually I’m not a chase customer yet I have prequalified offers via credit journey, all with solid APR
Message 18 of 18
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