United Quest Card Approval Odds.

[ThomasJNewton]

My current Equifax FICO is 793, and my Experian is 800. (I do not have a free source for my Transunion Score). On the United site, it shows I am pre-approved for the card (and although it has the language about opting out of soft pulls, I am not sure they really do one). I have a Credit Journey account with Chase, but after two plus months, I have received no offers and since their pre-qualify site is still not working, I have no real way to check.

Some datapoints:

• I have one personal card - a Navy Fed Cash Rewards with a $30,000 credit limit and no reported balance. Card was opened in February of 2015.
• I am an authorized user on my BF's Apple Card ($8,500 limit, no reported balance). Card was opened in October of 2022.
• I am an authorized user on my friend's Sapphire Preferred ($5,100 limit, $3,384 balance). Card was opened in November of 2015. I stay on this card for car rental primary insurance. Once I have a replacement card, I will eliminate this.
• Perfect payment history and no derogatory marks.
• Before the Chase Pre-qualify site went away, I had received pre-approvals for Freedom Flex, Freedom Unlimited and Slate.
• Today I pre-qualified on the Amazon site for the Chase Amazon Prime Rewards card.
• I am a lifetime 1K and a lifetime United Club member.
• My Nexus card is up for review in September, so I would like to have a card that will pay for it before the end of June.

The only other cards that interest me at the moment are Sapphire Reserve (would probably get the Preferred first for the sign up bonus and then switch after one year), an Apple Card (just to increase our total Apple credit limit), and possibly a Capital One Venture X.

I am at 0/100 hard pulls so I am not worried about 5/24 and I can afford to wait a few weeks. From what I can tell, only the United and Apple cards need to have me as the primary user to get all the benefits (I could be an authorized user on the others).

Any thoughts on my chances?

[SouthJamaica]

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@ThomasJNewton wrote:

My current Equifax FICO is 793, and my Experian is 800. (I do not have a free source for my Transunion Score). On the United site, it shows I am pre-approved for the card (and although it has the language about opting out of soft pulls, I am not sure they really do one). I have a Credit Journey account with Chase, but after two plus months, I have received no offers and since their pre-qualify site is still not working, I have no real way to check.

Some datapoints:

• I have one personal card - a Navy Fed Cash Rewards with a $30,000 credit limit and no reported balance. Card was opened in February of 2015.
• I am an authorized user on my BF's Apple Card ($8,500 limit, no reported balance). Card was opened in October of 2022.
• I am an authorized user on my friend's Sapphire Preferred ($5,100 limit, $3,384 balance). Card was opened in November of 2015. I stay on this card for car rental primary insurance. Once I have a replacement card, I will eliminate this.
• Perfect payment history and no derogatory marks.
• Before the Chase Pre-qualify site went away, I had received pre-approvals for Freedom Flex, Freedom Unlimited and Slate.
• Today I pre-qualified on the Amazon site for the Chase Amazon Prime Rewards card.
• I am a lifetime 1K and a lifetime United Club member.
• My Nexus card is up for review in September, so I would like to have a card that will pay for it before the end of June.

The only other cards that interest me at the moment are Sapphire Reserve (would probably get the Preferred first for the sign up bonus and then switch after one year), an Apple Card (just to increase our total Apple credit limit), and possibly a Capital One Venture X.

I am at 0/100 hard pulls so I am not worried about 5/24 and I can afford to wait a few weeks. From what I can tell, only the United and Apple cards need to have me as the primary user to get all the benefits (I could be an authorized user on the others).

Any thoughts on my chances?

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I think your chances are great.

[fury1995]

@ThomasJNewton  Have you tried logging into your United portal? Sometimes there are preapprovals offered directly on the United portal and larger SUB's offered when that happens..

[ThomasJNewton]

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@fury1995 wrote:

@ThomasJNewton  Have you tried logging into your United portal?

Sometimes there are preapprovals offered directly on the United portal and larger SUB's offered when that happens..

First, United loves you more than they love me (I still get only 70,000 miles for their sign up bonus). Second, that is the pre-approval I meant when I said that I had one from United. :-) I am just not clear that United actually has enough financial information about me to pre-approve me, hence my skepticism.

[nytokyobred79]

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@fury1995 wrote:

@ThomasJNewton  Have you tried logging into your United portal? Sometimes there are preapprovals offered directly on the United portal and larger SUB's offered when that happens..

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This**

Back when I was under 5/24, I had pre-approvals with fixed APRs on the United site rather than Chase. 

@ThomasJNewton Best of luck and I hope you get the card that works best for you. 

[SouthJamaica]

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@ThomasJNewton wrote:

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@fury1995 wrote:

@ThomasJNewton  Have you tried logging into your United portal?

Sometimes there are preapprovals offered directly on the United portal and larger SUB's offered when that happens..

First, United loves you more than they love me (I still get only 70,000 miles for their sign up bonus). Second, that is the pre-approval I meant when I said that I had one from United. :-) I am just not clear that United actually has enough financial information about me to pre-approve me, hence my skepticism.

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It's not really United that's preapproving you, it's Chase.

[coldfusion]

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@ThomasJNewton wrote:

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@fury1995 wrote:

@ThomasJNewton  Have you tried logging into your United portal?

Sometimes there are preapprovals offered directly on the United portal and larger SUB's offered when that happens..

First, United loves you more than they love me (I still get only 70,000 miles for their sign up bonus). Second, that is the pre-approval I meant when I said that I had one from United. :-) I am just not clear that United actually has enough financial information about me to pre-approve me, hence my skepticism.

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They do.

BTW if you applied you technically would be seen by the autobot as 1/24 due to being an AU on the card opened in 2022, not that it's meaningful.

Bottom line, if you want the card IMO you should apply for it  through the United portal, and if denied absolutely recon.  While your profile is thin its fairly deep and you can make a good argument that if approved you expect the card would see significant spend.

[SouthJamaica]

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@coldfusion wrote:

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@ThomasJNewton wrote:

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@fury1995 wrote:

@ThomasJNewton  Have you tried logging into your United portal?

Sometimes there are preapprovals offered directly on the United portal and larger SUB's offered when that happens..

First, United loves you more than they love me (I still get only 70,000 miles for their sign up bonus). Second, that is the pre-approval I meant when I said that I had one from United. :-) I am just not clear that United actually has enough financial information about me to pre-approve me, hence my skepticism.

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They do.

BTW if you applied you technically would be seen by the autobot as 1/24 due to being an AU on the card opened in 2022, not that it's meaningful.

Bottom line, if you want the card IMO you should apply for it  through the United portal, and if denied absolutely recon.  While your profile is thin its fairly deep and you can make a good argument that if approved you expect the card would see significant spend.

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Good advice

[ThomasJNewton]

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@coldfusion wrote:

They do.

What I meant is that it was not clear to me that United is really passing my information off to Chase to get them to do a soft pull. I also do not know how either would have my income data.

BTW if you applied you technically would be seen by the autobot as 1/24 due to being an AU on the card opened in 2022, not that it's meaningful.

Good to know. I thought 5/24 was only for cards for which I was responsible, not those for which I am an authorized user. Still not a problem but a useful data point. Related question: If I got my own Apple Card after applying for the Quest card, my understanding is that it would replace the existing authorized user card which would then be removed from my account (one cannot be an authorized user on one card and have one’s own card as well). Would that mean I would show up as 2/24, not 3/24 as the previous one would have gone away?

Bottom line, if you want the card IMO you should apply for it  through the United portal, and if denied absolutely recon.  While your profile is thin its fairly deep and you can make a good argument that if approved you expect the card would see significant spend.

Thanks for the advice. I am just waiting for a referral code from a friend, so he gets the miles and then I will apply.

[CaptJOB]

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@ThomasJNewton wrote:

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@coldfusion wrote:

They do.

What I meant is that it was not clear to me that United is really passing my information off to Chase to get them to do a soft pull. I also do not know how either would have my income data.

BTW if you applied you technically would be seen by the autobot as 1/24 due to being an AU on the card opened in 2022, not that it's meaningful.

Good to know. I thought 5/24 was only for cards for which I was responsible, not those for which I am an authorized user. Still not a problem but a useful data point. Related question: If I got my own Apple Card after applying for the Quest card, my understanding is that it would replace the existing authorized user card which would then be removed from my account (one cannot be an authorized user on one card and have one’s own card as well). Would that mean I would show up as 2/24, not 3/24 as the previous one would have gone away?

Bottom line, if you want the card IMO you should apply for it  through the United portal, and if denied absolutely recon.  While your profile is thin its fairly deep and you can make a good argument that if approved you expect the card would see significant spend.

Thanks for the advice. I am just waiting for a referral code from a friend, so he gets the miles and then I will apply.

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Heads up that referrals sometimes award you less points for the SUB than applying directly. DW has been pre-approved for the United cards for over a year but whenever I generate a referral it cuts the SUB by 10k points versus what they offer her directly. In two player mode not a big deal(I'm a 1k so the points are better in my pool anyhow).