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Everyone has a different profile. A few months ago I checked the pre qual page of Chase and had nothing. Durring the summer I had the Preferred card off and on with a green check mark as well. They all went away and then boom I had a message saying that I was already approved for a Chase Freedom Unlimited with a set limit and a specific set rate. So maybe you do have it available.
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Two suggestions popped into my head - first is to go to your local Chase branch - when the teller pulls up your account - often times they can see if you are pre qualified for CSR - and they are likely encouraged to offer it to you. Second - if you do app on line and do not get an instant approval - I would call the backdoor numbers and speak to an underwriter and explain the 30 late was on a co - signed account. Yes you are marked for it - but the fact that it was not you being late - might hold some sway if the UW has any descretion - they can manualy approve you if the computer denies you.
@Anonymous wrote:
True, maybe I’ll see if I can make it into a branch this afternoon before they close and see what pops up!
While a teller can sometimes help; you would be better served by speaking with a personal banker. Just ask if you have any in-branch approvals.
You would need to speak with a personal banker anyway if you have any approvals and want to submit an application; as part of the process they are required to check a box indicating you are actually present in the bank and they verified your ID.
I will confirm that indeed it does show sometimes on the offer link on the Chase website. I had it show this past August 2018 but mistakenly applied for a Delta Gold instead and was at 5/24 which caused offer to disappear. I still applied on election night ( Nov 6th 2018 ) and was given 30 day message which changed to 7-10 day that same evening. I just left it in the hands off Chase and didn't make any calls and on the evening of the 7th I logged into Chase site and noticed CSR was showing up. I got the card today (Nov 9th 2018). Really quick. Been longtime Chase customer with Checking and had CFU for about 2 yrs. Keep us posted on your adventure!























@68w I think you have good potential for a favorable approval on that card. Obviously YMMV, but as an example: When I cold app'd for the CSR I had a score hovering around 700, Util around 11% (Now at 1%), and 3 inquiries w/ 2 new accounts a year prior. I had no banking relationship with Chase, so the only thing I had a step up on was a larger salary.
In my mind, being a long time Chase client with 2 good cards and 0/24, I have a hard time seeing any reason they wouldn't look favorably on those #'s unless I'm missing something. The advice, if your'e close, to visit a teller and ask for any pre-approvals is a good idea if it's possible. Good luck!
Apply in person. You have a good chance of getting approved based on my experience. My scores were less then yours when I was approved.
You could always just accept the CSP offer then after a year ask to upgrade to CSR. That's what my plan is in about 2 months. Good luck!





















