Chase pre approved in Branch HELP!

[Anonymous]

If it's a pre-approval why not pull the trigger? Worst that can happen is a denial  

[Anonymous]

I plan to next week. Wanted my payment to my chase amazon and two other cards to post then apply. So far its been nothing but thumbs up to give it a shot.  My hesitation at first was thinking it was a long shot given my average scores and well over 5/24

[Anonymous]

Make sure to let us know how it goes! I have a feeling you'll have an approval thread going soon

[Anonymous]

I have a feeling the pre approval is coming from the Chase internal score (CARS) Seeing as I have the history with amazon prime card and a six month old checking account with a couple thousand sitting. But hey what do I know? Im just a rookie in the game lol

[Anonymous]

Over the past year or two there are some data points about having a high savings account balance at Chase and more frequent preapprovals showing up in-branch.

A neighbor of mine had ZERO in-branch preapprovals but he deposited a small lottery winning check into his Chase savings and a month or two later he had a ton of in-branch preapprovals because he forgot to transfer the money out.  Could be anecdotal non-causation but I've seen it before.

I would transfer $15,000 into Chase savings if it didn't cost me a ton in lost interest over Alliant.  1.1% versus 0.01% or something.  Adds up.

[sjt]

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@Anonymous wrote:

I have a feeling the pre approval is coming from the Chase internal score (CARS) Seeing as I have the history with amazon prime card and a six month old checking account with a couple thousand sitting. But hey what do I know? Im just a rookie in the game lol

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A while ago, I remember a former Chase branch manager mention the difference between an in-branch pre-approval and a pre-qual:

In-branch pre-approval:

Based on credit and/or deposit relationship. The deposit relationship isnt just about the amount of deposits but the transactions, useage, direct deposits, etc. This is how some customers can get pre-approvals for a CSP with no credit history or rebuilders can get a starter card etc.

Pre-Qual:

Are based on credit

Both can bypass the 5/24 and can get denied if your HP credit report dramatically changes from the soft pulls credit reports they have on you.

[Jerry45]

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@trant3 wrote:

in branch pre approval is the only gateway to Chase's flagship cards if over 5/24

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+1

[Anonymous]

Soooooo I went into the branch today to pull the trigger on my pre approvals. The application could not be completed as my equifax is on freeze due to the recent breach. I called recon while still in branch but they said I had to unfreeze equifax in order to move forward. I asked if they could pull TU or EX or evena  double pull on those and they said they had to have EQ opened for them. ANyone have any experience? I really do not want to unfreeze EQ as its my lowest score. Both times I called the recon line they transferred me straight to lending so I hang up

[Anonymous]

Also just to clarify my EQ has been on ice since the breach. I was just venting about coincidence that the dice rolled to EQ instead of EX or TU 🙄

[Anonymous]

Ok So Finally I can conclude this post 

So I went the route of opening a case with the Chase credit  Card service Executive office to see if they could pull another bureau. After two weeks I heard nothing so I got very impatient. 

Yesterday I spent over an hour going through different departments in equifax to try to remove the Freeze and was finally able to do it. This morning I decided to just call straight in to lending services and tell them my EQ was now unfrozen. CSR put me on hold came back after 3 mins................ Appproved 5k SL. NOT A SINGLE QUESTION WAS ASKED!!!!!

Apparently my score was 657 not sure how thats possible but oh well

SO I guess In branch approvals are truly GOLDEN since I AM WAY WAY WAY over 5/24

I will start an approval post shortly but truly wanted to thank all of you that supported this adventure.  Sometimes being impatient is good lol