Please help me figure this out.
I have a strong desire for a chase card but I heard about the 5/24 rule and figured I don't qualify. Despite that I would go to the chase pre-qual site and it always says no offers for you at this time. I also hear here that when chase gives you an offer it is pretty solid and this is where my confussion comes in. Should I bite?
1. During my rebuilding phase I opened a capital one secured in April 2015
2. Capital one platinum now pc to quicksilver in Dec 2015
3. Capital one Quicksilver
Jumped on the SCT train between Nov and Dec 2015 and also got
4. Fingerhut via prescreening
5. Overstock
6. Jcrew
7. Ann Taylor
8. and HSN that is a total of 8.
As I mentioned before chase always said no offers for you at this time. Tonight I go to the chases prequal with my scores that are due to update within the next week and it says to choose my offer between the Slate and the Freedom? Is it real? How about the 5/24? I have 8 in the past 12 months. Should I trust it? I don't want an hp if this is not real. I also have between 4-5 hp's accross the board. This is what it shows:
Choose One of Your Pre-Qualified Offers
Chase Freedom®
Cash Back & Save On Interest
EARN A $150 BONUS
after you spend $500 on purchases in your first 3 months from account opening*
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate*
- Unlimited 1% cash back on all other purchases—it's automatic*
- 0% Intro APR and No Annual Fee†
Chase Slate®
Save on Interest & Free Monthly FICO® Score
$0 INTRO BALANCE TRANSFER FEE†
0% Intro APR†
- $0 Annual Fee†
- NEW! Free Monthly Credit Score and More - See the reasons behind your score and View a summary of your Credit Report information
- No Penalty APR Paying late won't raise your interest rate (APR)†
Note: After you respond to an offer, Chase will review your credit report.
@Anonymous wrote:
@Anonymous wrote:I think I may be able to help you with this.
I have 4 store cards from the STC: Victoria's Secret, JD Williams, SimplyBe, & Fullbeauty.
I have a Credit One card that hasn't arrived yet and it has been over a month. My calls to them are pretty futile as they keep giving me the same cookie cutter response.
I have a Finger Hut account from a pre-screen, as well.
My scores are around 610+. I started at 495 in October 2015.
Chase has always told me that they do not have any offers for me, too. However, today on 4-7-16 I receive a promotional email from Chase (I do have a College Checking account with them) about the Slate card. I was a little confused so I decided to go to the "Find My Offers" page and give it another shot. I got the same offers as you: Chase Freedom and Chase Slate. I have always been told the same thing: Chase offers are always solid.
Knowing this, I applied for the Chase Freedom and was approved. It is a small limit but I am still new to credit and my income isn't that great so regardless I am happy!
I don't have permision to add pics or I would add my approval message.
Hopefully this was helpful!
*I have been a long time lurker for years, but when I saw that you were in the same position as me, I had to make an account and add my .02.
OMG GET OUT OF TOWN, LOL. You just made me feel like this may be possible. You know what nothing ventured nothing gained. I am about to go for it! I will be right back!
GO for it and let us know th results 
So what happened? Did you get the card? Don't leave us hanging in there
