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Pre-Approved for CSP at 9/24!

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Valued Member

Pre-Approved for CSP at 9/24!

So I'm cruising along here in the garden and I log into Chase to check my account balance. I see a green check mark "selected for you" offer for CSP. Thinking I'm actually at 9/24, I figured it wouldn't work. Plus, it is my mission to get the CSR eventually. It caught my interest though, and I figured that I could always PC to the CSR once all the dust settles from my recent app spree a couple months ago and I'm back under 5/24. 

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So I said "what the heck" and clicked on it, if I'm denied I'm no worse off than I was before since I was cruising on the garden path with no plans to apply for anything unless I was pre-approved for Amex Gold or Platinum. Sure enough, it had a single interest rate, so reading that was a good sign, I typed in the income and phone number, click submit...and *presto*:

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So I guess it is possible to be hideously over 5/24 and still get a Chase card. My birthday was yesterday so that's kind of a nice unintentional birthday present! So, I suppose I'm done for a while...unless a pre-approval for the Amex Gold comes along Smiley Happy




Starting FICO 10-2012: EX 427, TU 483
Message 1 of 19
18 REPLIES 18
Moderator

Re: Pre-Approved for CSP at 9/24!

Grats and its all the edits in short period of time that caught the eye of the spam filter.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 19
Community Leader
Super Contributor

Re: Pre-Approved for CSP at 9/24!

OP, sorry to be the bearer of bad news but be prepared for the card to be closed out when you receive it. Chase is cuckoo like that and it makes people crazy!

But if it doesn’t happen to you, congratulations.
REVISED GOAL: Garden ‘til Dec 2020 — 0 inquiries

Previous Goal: Garden til APR 2020 (extended) and
800 Club (accomplished)


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 3 of 19
Regular Contributor

Re: Pre-Approved for CSP at 9/24!

I recently got my Freedom after having a green checkmark and being at something like 12/24 or more. Congrats!!


EQ8: 732 | TU8: 728 | EX8: 726
EQ9: 753 | TU9: 723 | EX9: 748

AMEX PLATINUM NPSL | AMEX GOLD NPSL | AMEX BCP $6,000 | AMEX SPG $1,000 | CSP $6,000 | CFU $4,500 | SLATE $3,000 | FREEDOM $2,000 | DISCOVER CHROME $4,100 | DISCOVER IT $10,000 | CAP1 QS $1,500 | NFCU GOREWARDS $11,500 | NFCU FLAGSHIP $22,000 | NFCU PLAT $11,900 | BBVA COMPASS $4,000 | HOME DEPOT $10,000 | OVERSTOCK $21,000 | AMAZON STORE CARD $6,000 | LOWES STORE CARD $12,000 | NFCU CLOC $10,000 | PENFED PLOC $25,000 |

Message 4 of 19
Senior Contributor

Re: Pre-Approved for CSP at 9/24!

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 5 of 19
Senior Contributor

Re: Pre-Approved for CSP at 9/24!


@CreditInspired wrote:
OP, sorry to be the bearer of bad news but be prepared for the card to be closed out when you receive it. Chase is cuckoo like that and it makes people crazy!

But if it doesn’t happen to you, congratulations.

That's not even close to the facts on how Chase operates.

 

In December 2018 I was approved for a CSR with a $35K starting limit even though I was 15/24. I then went out and bought a new SUV, using the CSR to make the deposit, so I could complete the spending for the sign up bonus in one transaction.  Then when Navy had their 0% BT promotion earlier this month I opened one of their cards to take advantage of it.  Despite the new CSR, new auto loan, and new credit card Chase has not reacted in anyway adversely. Its unlikely they would cancel a credit that they themselves pre-approved after soft-pulling the OP's credit report.





Message 6 of 19
Valued Member

Re: Pre-Approved for CSP at 9/24!

Wow that's awesome! I was getting really worried there for a minute, but this kind of eases my mind a bit. I suppose I'll have a bit of residual apprehension until it comes in the mail, but for the moment, it's good to be in Siggy Land.



Starting FICO 10-2012: EX 427, TU 483
Message 7 of 19
Senior Contributor

Re: Pre-Approved for CSP at 9/24!

Green checkmark offer seems to bypass 5/24. 

 

If you live near a Chase branch, talk to a personal banker to see if you have any pre-approved offers. They are more solid and have more and better offers.

 

American Express: Platinum Charge, Optima, Business Gold
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (1.1.20) EX: 827 / EQ: 838 / TU: 833
Message 8 of 19
Community Leader
Super Contributor

Re: Pre-Approved for CSP at 9/24!

@Maizeandblue
Thanks for reeling me in. You know I value your input. I guess I was scared of this happening because just yesterday, it happened to this poor MyFICO member. I guess as everything else, everyone’s mileage vary.
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Chase-sapphire-preferred-approved-then-day...
REVISED GOAL: Garden ‘til Dec 2020 — 0 inquiries

Previous Goal: Garden til APR 2020 (extended) and
800 Club (accomplished)


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 9 of 19
Community Leader
Super Contributor

Re: Pre-Approved for CSP at 9/24!

@sjt
Back in March, after just closing on my condo, I had the green checkmark for a Chase Freedom. I already had the ChaseFU and Slate. I applied and was denied. FICO scores were 792-805. I called Chase because I couldn't believe it. The only reason I was declined was because I was already at 5/24. Needless to say, I was livid and so happy I didnt have a balance on either card. I told Chase to close them. They actually tried to talk me out of it. The reason I was so mad was because the ONLY reason I applied was because I had the green checkmark. Lesson learned.

So immediately applied and got a $8.5 CLI on my NFCU cashRewards and an AmX for $15K. I haven’t missed Chase. So yes, from my POV, I’m a little weary of them.

Now I was told on here that going into the branch if you’re over 5/24 works wonders.

I am happy for everyone that it does work out for though.
REVISED GOAL: Garden ‘til Dec 2020 — 0 inquiries

Previous Goal: Garden til APR 2020 (extended) and
800 Club (accomplished)


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 10 of 19
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