Re: Chase Auto Approval?

Absolution16 · ‎03-13-2023

I am seeing these messages on my Chase iPhone app. These do NOT show up when I use the Android app, or the desktop website version.

1. Flex:

2. Unlimited:

What do these mean? Are these indications of "guaranteed" approval? Or are they just mere equivalents of pre-qualify/pre-approval that are never a guarantee? And why do these only pop up when I use the Chase iPhone app, but not in desktop or Android app?

I am not planning to apply right now, but thought this was strange.

ptatohed · ‎03-14-2023

Give Chase a call.

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

SouthJamaica · ‎03-14-2023

@Absolution16 wrote:
I am seeing these messages on my Chase iPhone app. These do NOT show up when I use the Android app, or the desktop website version.

1. Flex:

2. Unlimited:

What do these mean? Are these indications of "guaranteed" approval? Or are they just mere equivalents of pre-qualify/pre-approval that are never a guarantee? And why do these only pop up when I use the Chase iPhone app, but not in desktop or Android app?

I am not planning to apply right now, but thought this was strange.

In my opinion they are preapprovals, of a higher quality than the other preapprovals, but do not rise to the level of guaranteed approvals.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 23700

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

biggie23 · ‎03-15-2023

Where exactly in the iphone app do you see these?

@Absolution16 wrote:
I am seeing these messages on my Chase iPhone app. These do NOT show up when I use the Android app, or the desktop website version.

1. Flex:

2. Unlimited:

What do these mean? Are these indications of "guaranteed" approval? Or are they just mere equivalents of pre-qualify/pre-approval that are never a guarantee? And why do these only pop up when I use the Chase iPhone app, but not in desktop or Android app?

I am not planning to apply right now, but thought this was strange.

Absolution16 · ‎03-15-2023

@SouthJamaica

Got it. So just like any standard pre-approval notice from other banks, only slightly better chance at approval. Thanks for the confirmation!

Absolution16 · ‎03-15-2023

@biggie23

As soon as I first log into the Chase iPhone app, these show up right below my list of credit card accounts. It takes about a second or two for the screen to kind of refresh and they pop up. This only happens for me exclusively on my iPhone app. When I try to go to "Just for You" section on my desktop, for example, they do NOT show up.

CreditMarathoner · ‎03-15-2023

@Absolution16 wrote:
@biggie23

As soon as I first log into the Chase iPhone app, these show up right below my list of credit card accounts. It takes about a second or two for the screen to kind of refresh and they pop up. This only happens for me exclusively on my iPhone app. When I try to go to "Just for You" section on my desktop, for example, they do NOT show up.

I would guess they're just marketing, not actual preapprovals. Real prequals/preapprovals will show up in "Just For You" with a black star or a green check mark.

Open Tradelines: 4 Revolvers, 1 Mortgage / Garden Start Date: 10/1/2021 / Garden Goal: don't have one right now
TCL: $26,500 / AAoA: 8y6m / AoYA: 1y5m / Inqs: 1EX 0TU 1EQ / FICO8 Feb 2023: 848(TU) 843(EX)

Absolution16 · ‎03-15-2023

@CreditMarathoner

I have read people talk about that black/green star icons, but I have never seen any of them before. I found it really weird that only the iPhone app was showing me those "already approved" offers. I think you may be right. I will treat them as just marketing ploy. I am not planning on applying for the Freedom cards just yet, anyways.

SouthJamaica · ‎03-15-2023

@Absolution16 wrote:
@SouthJamaica

Got it. So just like any standard pre-approval notice from other banks, only slightly better chance at approval. Thanks for the confirmation!

Yes, maybe even better than "slightly better chance".... but still no guarantee. I would say it's unusual for someone who had that to get turned down.

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

Chase Auto Approval?

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Chase Auto Approval?