No CSR pre-approval in branch.... now what?

[Anonymous]

I went into my local branch to see if I was pre-approved for the CSR. Unfortunately I was not pre-approved for the CSR... but I was pre-approved for the Slate and Sapphire Preferred which kind of surprised me since I'm WAY over the 5/24 threshold..... somewhere in the range of 12/24.

I could use the Slate for the 0% BT....My question is... how solid are Chase preapprovals done in the branch? 

I was previously approved for the Slate in April 2016 (CL $500 - sad I know) and PC'd the card to the FU in June 2016. I've been using it and PIF every month. I was approved earlier this month for the Ritz and the Hyatt... both with SCL of $8.5k. 

[Anonymous]

Wonder if you would get approved using the online application (with recon if needed)? For myself. I have never been pre-approved so I have had to just take the risk.

[myjourney]

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@Anonymous wrote:

I went into my local branch to see if I was pre-approved for the CSR. Unfortunately I was not pre-approved for the CSR... but I was pre-approved for the Slate and Sapphire Preferred which kind of surprised me since I'm WAY over the 5/24 threshold..... somewhere in the range of 12/24.

I could use the Slate for the 0% BT....My question is... how solid are Chase preapprovals done in the branch? 

I was previously approved for the Slate in April 2016 (CL $500 - sad I know) and PC'd the card to the FU in June 2016. I've been using it and PIF every month. I was approved earlier this month for the Ritz and the Hyatt... both with SCL of $8.5k. 

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Good questions GDanzy 

All chase pre-approvals over the years have been pretty solid 

However since 5/24 nothing is guaranteed anymore 

So its a chance you take knowing your outside of Chase's rules by moving forward with the app 

Lately I've seen approvals in branch based on pre-approvals of people beyond 5/24 and on the other hand I've seen people under the threshold denied 

Good luck should you apply I'll be pulling for you because you have a need for the product at this time 

[Anonymous]

I wouldn't apply with you being WAY over 5/24.

Are you CPC?

[Anonymous]

5/24 policy isn't ironclad. If a pre-approval is appearing, odds are good you'd be approved. Will cost a HP, but for one with a decent credit profile, the hit is usually minimal; HPs aren't forever. If it's a card you'd really like to have, go for it.

[Anonymous]

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@Anonymous wrote:
Wonder if you would get approved using the online application (with recon if needed)? For myself. I have never been pre-approved so I have had to just take the risk.

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Good question. I'm too chicken to do it online. When I use the Chase pre-qualify online nothing shows up so I feel it may be an instant denial. 

[Anonymous]

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@myjourney wrote:

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@Anonymous wrote:

I went into my local branch to see if I was pre-approved for the CSR. Unfortunately I was not pre-approved for the CSR... but I was pre-approved for the Slate and Sapphire Preferred which kind of surprised me since I'm WAY over the 5/24 threshold..... somewhere in the range of 12/24.

I could use the Slate for the 0% BT....My question is... how solid are Chase preapprovals done in the branch? 

I was previously approved for the Slate in April 2016 (CL $500 - sad I know) and PC'd the card to the FU in June 2016. I've been using it and PIF every month. I was approved earlier this month for the Ritz and the Hyatt... both with SCL of $8.5k. 

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Good questions GDanzy 

All chase pre-approvals over the years have been pretty solid 

However since 5/24 nothing is guaranteed anymore 

So its a chance you take knowing your outside of Chase's rules by moving forward with the app 

Lately I've seen approvals in branch based on pre-approvals of people beyond 5/24 and on the other hand I've seen people under the threshold denied 

Good luck should you apply I'll be pulling for you because you have a need for the product at this time 

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Thanks!!!

[Anonymous]

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@Anonymous wrote:
I wouldn't apply with you being WAY over 5/24.

Are you CPC?

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Nope....

[redpat]

Punt!