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United Website Explorer Pre-Approval Is It Real?

ThomasJNewton
Regular Contributor

United Website Explorer Pre-Approval Is It Real?

Just happened to look at my United Account, and noticed that there was a United Explorer pre-approval ad. The two previous times I applied (35 years ago for a United Mileage Plus First Card and 25 years ago for whichever card it was at the time), I was denied. I would not want to bother applying unless approval was as close to certain as one can get with these things. My question is is there a way to confim on the Chase side that that pre-approval shows up? I do not have any account with Chase currently, and I have never seen a pre-approval page that did not require that one was already a customer to receive offers from them.

 

Anyone know how I can check?

Message 1 of 10
9 REPLIES 9
GatoradeZeroGuy
Established Contributor

Re: United Website Explorer Pre-Approval Is It Real?

if you sign up for Chase's free credit monitoring, credit journey, you should be able to see an offers tab to see if there are any preapprovals under the 'offers' tab there from Chase for you 

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no idea if that page would show airline cards though, but it might be an indication if Chase is extremely likely to approve you if they are pre-approving you for something else 

that's as close as you're going to get to a completely certain approval, afaik

Starting FICO 8s

Current FICO 8s



Message 2 of 10
ThomasJNewton
Regular Contributor

Re: United Website Explorer Pre-Approval Is It Real?


@GatoradeZeroGuy wrote:

if you sign up for Chase's free credit monitoring, credit journey, you should be able to see an offers tab to see if there are any preapprovals under the 'offers' tab there from Chase for you.

Thanks! I did not know that one could join if one was not a customer.

 

no idea if that page would show airline cards though, but it might be an indication if Chase is extremely likely to approve you if they are pre-approving you for something else

I know that on my B/F’s Chase account, it shows offers for both a Southwest CattleCar Card, and one of the United ones, so I would guess it would show it.

 

that's as close as you're going to get to a completely certain approval, afaik

That would be close enough for my needs.

Message 3 of 10
nytokyobred79
Established Contributor

Re: United Website Explorer Pre-Approval Is It Real?


@ThomasJNewton wrote:

@GatoradeZeroGuy wrote:

if you sign up for Chase's free credit monitoring, credit journey, you should be able to see an offers tab to see if there are any preapprovals under the 'offers' tab there from Chase for you.

Thanks! I did not know that one could join if one was not a customer.

 

no idea if that page would show airline cards though, but it might be an indication if Chase is extremely likely to approve you if they are pre-approving you for something else

I know that on my B/F’s Chase account, it shows offers for both a Southwest Cattle Card, and one of the United ones, so I would guess it would show it.

 

that's as close as you're going to get to a completely certain approval, afaik

That would be close enough for my needs.


I remember when I started to get pre approvals for Chase cards last year in mobile app/website with the United card showing up, it also showed up as pre-approved on United's mobile app as well. So if you can cross check with Chase, you may get a better idea. Also, did it have a fixed APR as well? I know that mine did but I also had a Chase card at the time so that could have been an extra factor. 

Rebuild Started in 2019
Total Revolving CL- $185,000 | Opened Cards
Delta SkyMiles Platinum- SL-$1K | CL- $13.5K
(pc'd from SkyMiles Blue)
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Fico 8 EX 729, TU 732 EQ 790
* I went about 20 years without credit cards bc I had ruined my financial health back in 99 as a junior in college. Never thought a creditor would touch me again but somehow I had the courage to apply for a card in 2019 when I turned 40. More mature and with much better financial literacy, things changed for the better.
Message 4 of 10
SouthJamaica
Mega Contributor

Re: United Website Explorer Pre-Approval Is It Real?


@ThomasJNewton wrote:

Just happened to look at my United Account, and noticed that there was a United Explorer pre-approval ad. The two previous times I applied (35 years ago for a United Mileage Plus First Card and 25 years ago for whichever card it was at the time), I was denied. I would not want to bother applying unless approval was as close to certain as one can get with these things. My question is is there a way to confim on the Chase side that that pre-approval shows up? I do not have any account with Chase currently, and I have never seen a pre-approval page that did not require that one was already a customer to receive offers from them.

 

Anyone know how I can check?


I don't think so. I don't think the airline cards usually show up on the preapprovals page.


Total revolving limits 743700 (625200 reporting) FICO 8: EQ 705 TU 717 EX 687

Message 5 of 10
ThomasJNewton
Regular Contributor

Re: United Website Explorer Pre-Approval Is It Real?


@SouthJamaica wrote:

 

I don't think so. I don't think the airline cards usually show up on the preapprovals page.

I just checked again, and on my BF's credit card pre-approval page, he gets both a United Explorer card and a Southwest Rapid Rewards card. I just did not know that one could join Credit Journey without being a Chase account holder.

Message 6 of 10
OmarGB9
Community Leader
Super Contributor

Re: United Website Explorer Pre-Approval Is It Real?


@ThomasJNewton wrote:

@GatoradeZeroGuy wrote:

if you sign up for Chase's free credit monitoring, credit journey, you should be able to see an offers tab to see if there are any preapprovals under the 'offers' tab there from Chase for you.

Thanks! I did not know that one could join if one was not a customer.

 

no idea if that page would show airline cards though, but it might be an indication if Chase is extremely likely to approve you if they are pre-approving you for something else

I know that on my B/F’s Chase account, it shows offers for both a Southwest Cattle Card, and one of the United ones, so I would guess it would show it.

 

that's as close as you're going to get to a completely certain approval, afaik

That would be close enough for my needs.


Didn't know Chase got into the ranch business! Smiley Very Happy

 

Anyway, I don't know that Chase's partner's website "preapprovals" are true preapprovals. I would think they're more like offers to apply, as they wouldn't have even SP access to credit reports.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 7 of 10
ThomasJNewton
Regular Contributor

Re: United Website Explorer Pre-Approval Is It Real?


@OmarGB9 wrote:

@ThomasJNewton wrote:

I know that on my B/F’s Chase account, it shows offers for both a Southwest Cattle Card, and one of the United ones, so I would guess it would show it.

Didn't know Chase got into the ranch business! Smiley Very Happy

Sorry, that should have said: Southwest CattleCar Card (now corrected)

 

Anyway, I don't know that Chase's partner's website "preapprovals" are true preapprovals. I would think they're more like offers to apply, as they wouldn't have even SP access to credit reports.

That was the reasons for my question in the first place. The way that would make it work is if they provide the information on each potential customer back to Chase and then Chase did the pre-qualify and passed their results back to United. Now that I know I can join Credit Journey, I will do that when I am ready to consider applying. Currently 0/96, but only have one card, so I have some room. Need to decide what card or cards I want to add and then check for pre-approvals.

Message 8 of 10
Mdowning30
Established Contributor

Re: United Website Explorer Pre-Approval Is It Real?

They have a good offer, $250 statement credit along with 25K miles bonus.

Chase Freedom Flex : $7500 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $500 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $4500 | Tower Federal CU : $10,000
Total Credit Limit : $40000
Experian FICO 8 : 677 | Experian Vantage : 696 | TransUnion FICO 8 : 682 | TransUnion Vantage : 698
Starting Score: 512
Current Score: 682
Goal Score: 700+

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Message 9 of 10
ThomasJNewton
Regular Contributor

Re: United Website Explorer Pre-Approval Is It Real?

I just checked my Transunion and Equifax accounts, and do not see any soft pulls from Chase, so I am guessing that the pre-approved offer is not real, however, I will be signing up for Credit Journey sometime soon and then I can see if Chase has any offers for me. :-)

Message 10 of 10
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