Chase preapproved online but over 5/24

[Remedios]

Ok, thank you. Trying to learn as much as I can

[Shadowfactor]

My other thought was to have her open a chase checking account.

Do the selected for you Offers appear if you only have banking accounts ? Or do you have to have a credit card with them to get to that page ?

[Anonymous]

A checking account would do. I initially applied for the Ritz-Carlton (first Chase product). Upon signing up for online banking (when I received the card) the green check appeared for the CSP.

If I were you I'd just pull the trigger and find out if it really bypasses 5/24. Having a new account will affect you much more than the actual hard inquiry.

[Anonymous]

Also from what I've seen some Chase credit analysts are flexible and will even exclude AU and store cards (none MC/Visa) from 5/24.

You just might have to talk to several

[Anonymous]

Sounds like you should just open a checking account and wait for selected offers to show up.  Seems like the lowest risk option.  I think there are even some checking account bonues if you have some cash floating around that you can let sit in there.

[AllCredit]

Keep in mind that green check marks may never show up (they don’t for me), I get all mine in branch, so it can be different.

Basically just saying don’t rely or wait on th green check marks go in branch and check pre-approvals, when I was looking for my CSR I went in branch each month to see if it showed up.

I am over 5/24 and was at the time of all of my subsequent chase cards.

[minski]

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@Anonymous wrote:
If you're indeed over 5/24 you'll be denied. Regarding pulls - in VA they pulled my TU and EQ when I approved the CSP back in August. Anecdotally I've heard & seen that people who are borderline by chase standards will see a double pull when applying - my CSP approved at the required minimum limit of $5k and I got 2. But I can't say for sure if it's a hard and fast rule.

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Just curious but how likely is this statement about those borderline seeing a double pull? When I applied for my Chase Freedom, they double pulled me but gave me a $10k SL.... I'd already had the Chase Slate and Chase Amazon cards at the time, both in good standing. 

[Shadowfactor]

Signed up for a chase checking account. Can’t login yet until she receives the debt card or goes into a branch. But now since she’s a customer. We are going to go to chase tomorrow and see about a preapproval for the CSR

[bourgogne]

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@Anonymous wrote:
@Remedios

The op's fiance already had established credit history and an excellent score. So there was no need to tamper with her profile. Someone with little or no credit history would benefit from being added as an AU

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@^ exactly, my friend had my AU accounts for >1 month, 200pt jump, refi @ penfed, 3 new cards.  when one is in card exile for 1-2 years which I am one has to stay entertained.

[Shadowfactor]

What do you think her approval odds are.
Going for the CSR.

Scores 771 EXP , 755 Transunion. 745 EQ
Scores as of today

Accounts: About 50K in Credit available.
Disco 6 months old. 8.5k limit 1500 balance. Carrying a balance at 0 APR.
BoA 2 months old. 7K limit 0 balance
US bank 5 months 4K limit 0 balance
Amex 4 months 22k 1 dollar balance
Cap 1 2.4 Years 9K 0 balance
Amex AU 2K 0 balance

Retail cards.
Wells Fargo Sleep Plus
4 months old. 5.5k limit
$962 balance

7 open student loans all 4-6 years old.
23.6k in student loan debt.
Highest single loan is 3.5k. Been making payments of them for 2 years now.

3 student loan that are closed and paid in full. Total of the 3 loans 36K. 12K.
She paid these off first because the interest rate was way higher.

Income : 65K
Age 24.
AAOA: 2.8 Years.