What must I do to get approved with Chase

[Jwat59]

Recently, I tried the chase.com/prequalified website and it shows no product offers for me 719-EX 667-TU EQ-642. I have a chase checking account(not my primary checking). I assumed maybe my scores needed to improve so I checked to see if my wife had any offers EX-706 TU-706 EQ-650. She also had no product offers from Chase. I would like to add a few chase cards before I hit the 5/24 rule. I recently got a Discover IT, BCP , and a NFCU VISA. My wife only has a Cap 1 platinum from 12/16. Could use all the help I could get on becoming a chase cardholder. Any and all the advice I could get from this group is welcomed! Thanks

[Zolomon]

I applied with no prequals for the CSP when I got into the 680 - 690 range. I received the 30 day notification email and was approved the next day via phone when they called me.

They made an inquiry with Experian and Equifax. I would wait til every score was at least in the high 600s.

[Anonymous]

Well, next time you're in a Chase branch ask a Personal Banker or bank teller if you have any current approvals for credit products (they usually will volunteer such info without you having to ask).  But in the interim you need to do what's necessary to improve your credit rating from Fair (a.k.a. "sub-prime") to Good.  The cut-off point for a Good credit rating with the 3 major bureaus is a 670 score; so having all scores above 670 will increase your chances of a sucessful app with Chase.

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@Jwat59 wrote:
Recently, I tried the chase.com/prequalified website and it shows no product offers for me 719-EX 667-TU EQ-642. I have a chase checking account(not my primary checking). I assumed maybe my scores needed to improve so I checked to see if my wife had any offers EX-706 TU-706 EQ-650. She also had no product offers from Chase. I would like to add a few chase cards before I hit the 5/24 rule. I recently got a Discover IT, BCP , and a NFCU VISA. My wife only has a Cap 1 platinum from 12/16. Could use all the help I could get on becoming a chase cardholder. Any and all the advice I could get from this group is welcomed! Thanks

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[Anonymous]

Greetings!

In Jan 2018 I received a SUB mailer for $500 if I opened a chase checking and savings account and met some other terms like direct deposit etc. This offer sounded good to me, however, I had burnt Chase back in 2009 for $5k+ on credit card charge off's. So, I decided it would be best to go into a brach office and open the accounts that way.

I told the banker I wanted to open the checking and savings and since I already knew they were going to pull a credit score I asked for the Chase Freedom Unlimited as well. 

They pulled EX and TU and I left with checking, savings, and a FU with a $4800 limit with sign up bonuses for all. I was back in with Chase in just under 9 years!

It has been over 2 months now. I run about $500 through the FU a month and pay in full. Chase has paid me all my sign up bonuses and I've experienced no AA's with them yet. I'm trying to decide if I want to app for the CSP in July, but I'm at 4/24 now and really do not want a purse full of nervous nelly cards.

[HeavenOhio]

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@Anonymous wrote:

Well, next time you're in a Chase branch ask a Personal Banker or bank teller if you have any current approvals for credit products (they usually will volunteer such info without you having to ask). 

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Tellers will be able to tell you if you have an offer. But they won't be able to be specific about the card or cards, the nature of the sign-up bonuses, etc. A personal banker can dig out the specifics.

@Jwat59, Chase likes it when your oldest card is a year old and that you don't have too many new accounts. If you give your current cards a chance to age a bit without applying for anything new, Chase cards should become available to you.

[dsotm76]

I've never been able to get Chase to offer me any sort of Prequal.  The only thing I can figure is that it's because of my BK that included their card in the late 90's.  So, I found other cards that offer pretty much the same thing because I'm not going to take a chance and have it rejected.

[Anonymous]

IDKW, but I used to get Chase offers in the mail monthly. And this was when my scores were at or under 700. Then one day they just stopped.

On a whim, in march, I cold appd for the CSP and was approved. I don't recal what they said my score was with them. But all the other CC have them listed just above 750.

[SouthJamaica]

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@Jwat59 wrote:
Recently, I tried the chase.com/prequalified website and it shows no product offers for me 719-EX 667-TU EQ-642. I have a chase checking account(not my primary checking). I assumed maybe my scores needed to improve so I checked to see if my wife had any offers EX-706 TU-706 EQ-650. She also had no product offers from Chase. I would like to add a few chase cards before I hit the 5/24 rule. I recently got a Discover IT, BCP , and a NFCU VISA. My wife only has a Cap 1 platinum from 12/16. Could use all the help I could get on becoming a chase cardholder. Any and all the advice I could get from this group is welcomed! Thanks

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1. Are there any negatives in your profile?  If so, try to get rid of them.

2. And stop applying for other cards.

[Anonymous]

I have never shown pre-qualifies from banks but I always get approved. If you want a card apply.  I got a Chase Hyatt with 24k limit with no pre-approvals.  

[Jwat59]

Thanks for advice