Mailed offers are typically months behind as well. If you're being targeted and are looking for another core card like one of the Sapphire cards or Freedom, I'd keep checking for green checkmark offers in your account that do seem to bypass 5/24, or if you have a branch nearby go in and see if you have any preapprovals.
@ntenseone wrote:
So, a kind of odd thing happened(I thought).
I recently was approved for a CFU, and after having it for a couple of months I received a targeted piece of mail saying I was prequalified for a (another) CFU card with an invitation number and all of that. (But I already have one...?)
Now, aside from thinking that it was a bit odd, I also recently put myself in the doghouse on their 5/24 policy not realizing it at the time. Had I realized earlier that one of the moves I'd made for a phone was going to cause this I would have played things differently. Oh well.
After a little bit of light reading it seems that this
type of thing has happened in the past and people have been able to find themselves with two of the same card even though that is not normally something that Chase would do. It begs the question as to whether or not I can take advantage of the opportunity to slip though the cracks and capitalize on the situation.
It is risky, and I'd take another ding on my score for trying, obviously. The only reason I'd take advantage of the opportunity would be so I could PC it later. I was planning on letting things cool down after getting some love at a local bank within the last couple of weeks, but I have until March 2nd, according to the pre-qual letter.
It's a bit of a nail biter for me.
I know it's rare, but does anyone have any success stories that was in a situation like this?
There's nothing to think about. Forget it.
You don't want to play with Chase.
@ntenseone wrote:
@Finstar, you're dead on and thank you for the input.
@ k-in-Boston, what do you mean by "green checkmark offers"? Do you mean like the checking and auto loan offers where it says "You're already approved" and has the green banner with the star in it?
Yes. These offers also come up for Slate, Freedom, Freedom Unlimited, Chase Sapphire Preferred, Chase Sapphire Reserve, and several of the cobranded cards. Sometimes they even have a starting credit line already listed, but even though I have not personally had one with a starting line listed, I've been approved for 3 cards that way being well past 5/24. There are usually only a few fields to fill in to accept them, like income and housing payment.
Getting offers doesnt mean one will be approved. Happens to alot of people. At the begining of my rebuild I'd get offers from Discover only to apply and still get rejected.
Also to note, OP, you will often find more than one poster will respond to your question(s) even if its already been answered. We encourage participation so just remember its part of posting here
Also to note, OP, you will often find more than one poster will respond to your question(s) even if its already been answered. We encourage participation so just remember its part of posting here