Chase 5/24 still received pre qualify email

[Anonymous]

Hello, I'm well passed the 5/24 rule to qualify for a new account with Chase. I read somewhere on myfico that receiving an email invite ("pre qualification offer") works around the 5/24 rule. is this true?

[K-in-Boston]

I am not aware of any successful applications from a mail or email invite if an applicant was at 5/24 or higher.  In-branch offers, as well as green checkmark and black star offers in your Chase online account or Chase Credit Journey do usually bypass it though.

[Anonymous]

Thanks. I don't see any green check marks etc.

[Remedios]

I had prequals for both Freedom and CSP. I applied for Freedom, after a week or so, CSP prequal was gone, but I kept receiving marketing emails, so I went for it about a month later (that was dumb). 

I did get instant approval, and I would have been around 7/24 at that time. 

There was a period of maybe 24 hours  a week later where card was grayed out and all I was told is "it's being reviewed"  then it showed up again and that's that. 

I wouldnt do it now 

[Anonymous]

I wouldn't waste the time in response to an email offer being over 5/24, it will likely only cost you a HP for a denial. 

[coldfusion]

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@Remedios wrote:

I had prequals for both Freedom and CSP. I applied for Freedom, after a week or so, CSP prequal was gone, but I kept receiving marketing emails, so I went for it about a month later (that was dumb). 

I did get instant approval, and I would have been around 7/24 at that time. 

There was a period of maybe 24 hours  a week later where card was grayed out and all I was told is "it's being reviewed"  then it showed up again and that's that. 

I wouldnt do it now 

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Good judgement comes from experience.

[805orbust]

In companies of that size, one hand never knows what the other is doing. You can bet they're not scrutinizing the lions share of this stuff to the extent we expect.