I used to have my checking/savings accounts with Chase but moved over to NFCU in 2019. I still have my Chase online account active. When I login in it says "you're already approved" on a green ribbon next to a star for all of their cards. When I take a look at the offer it gives me an exact APR. Is this a solid pre-approval? I only ask because I burned Chase in a bk about 15 years ago and have not been able to get in since. I haven't tried for about three years though.
I have been interested in the Amazon Visa card; however, when I go to the pre-qualify page on Amazon it says I am not pre-qualified for the Amazon Visa card. This makes me leery, as the Chase site says I am "already approved" on all of their core cards, but I am not pre-qualifed for a co-branded card that Chase seems to have been more relaxed with lately. I know I may just need to roll the dice but I don't want to burn a HP if the pre-approval isn't accurate or I'm still on the naughty list. I assume if I am on the blacklist from 15 years ago the system wouldn't know this until a HP was completed?
@DesertWanderer wrote:I used to have my checking/savings accounts with Chase but moved over to NFCU in 2019. I still have my Chase online account active. When I login in it says "you're already approved" on a green ribbon next to a star for all of their cards. When I take a look at the offer it gives me an exact APR. Is this a solid pre-approval? I only ask because I burned Chase in a bk about 15 years ago and have not been able to get in since. I haven't tried for about three years though.
I have been interested in the Amazon Visa card; however, when I go to the pre-qualify page on Amazon it says I am not pre-qualified for the Amazon Visa card. This makes me leery, as the Chase site says I am "already approved" on all of their core cards, but I am not pre-qualifed for a co-branded card that Chase seems to have been more relaxed with lately. I know I may just need to roll the dice but I don't want to burn a HP if the pre-approval isn't accurate or I'm still on the naughty list. I assume if I am on the blacklist from 15 years ago the system wouldn't know this until a HP was completed?
Yes the preapprovals are solid.
@visualfxpro wrote:That is good to know!! I have them too! One is for Saffire Reserve. Should I risk going for one of their top cards as my first, based on this when no other big bank will give me more than $1k unsecured? Now, I have not applied for any big bank cards for maybe 4 years when I started my credit card journey. My existing cards won't increase above $1k. 690 FICO, high income, doing everything right....NOBODY cares. Chase would therefore be the first big bank to give me big credit, EVER actually. Just went from $18k to $25k at NFCU BTW.
Reserve requires a minimum 10k line. If you don't think you can get that, apply for the preferred instead.
