Chase Credit Journey Shows Pre Qualified Offers All w/ Fixed APR

[Anonymous]

Hope everyone is doing well. It has been a while since I have sought the expertise of all you wonderful people here on My Fico. My time in the garden is coming to almost a year this April and will be 3/24 after March 20th. I logged into my Chase account to send out some payments and went on to check my Credit score on their free Credit Journey score tracker and found 3 pre qualified offers from Chase. All of which had a fixed APR. I had an offer for Chase Freedom and Freedom Unlimited which had 0% for 15 mos. then 22.99% which is shown directly on the page when I click on View your Offer. The CSP also shows up as an offer and did highlight 0 AF for the first year then $95 thereafter, but the APR is not listed on the main page unless I click on pricing and terms, the APR is 22.74%. I went back to my Chase main dashboard and checked actual offers from within the account but there are no offers showing on that page. In 2016 I did opt out from receiving offers, which is why I hardly ever get prequalified for anything unless targeted. So, I wanted to ask, if anyone has ever gotten some approvals through the Chase Credit Journey app? I do intend to apply for one of their CC either in April or May. Just wanted to check in and seek the advice of our true experts here. 

Additional DP's: AoOA: 2 yrs and 6 mos.

                             AAoA: 1 year and 10 mos.

Scores on my sig are recent.

Thank you all in advance

[simplynoir]

Both my younger sisters last year in March used Chase Credit Journey to double app the Freedom/FU back when they had the $300 SUBs on them and got approvals for both.

[AverageJoesCredit]

Cool beans Clark. Me no likey Chase but glad to see you are on the way to achieving your goals. I kinda regert , closing my Amy too early but when i stop and think of it, with my income $1500 most likely would have been my CSR anyway. Enjoy your offers buddy.....

4 months til Shark WEEK!!!😎

[CivalV]

Following since I will be 3/24 or 4/24 and I use Chase Journey with my checking account. Very interesting to see preapproved offers on the Journey page and not your actual offer page.

[Anonymous]

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@AverageJoesCredit wrote:
Cool beans Clark. Me no likey Chase but glad to see you are on the way to achieving your goals. I kinda regert , closing my Amy too early but when i stop and think of it, with my income $1500 most likely would have been my CSR anyway. Enjoy your offers buddy.....

4 months til Shark WEEK!!!😎

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Thanks AJC! I am restraining to not apply until May or maybe wait for Shark Week?  cause that might be my lucky week. Haha! I am worried however since I have a tax bill for my small business that I will put through my CC and that might scare them off when they see a large balance, so I am in debate on wether I should wait to pay off the CC balance before I apply. Hopefully I'd get lucky and either get an approval for the Freedom Unlimited when I do decide to go for it.

[Anonymous]

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@CivalV wrote:
Following since I will be 3/24 or 4/24 and I use Chase Journey with my checking account. Very interesting to see preapproved offers on the Journey page and not your actual offer page.

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That's why I am weary of filling the app through the Credit Journey page, did not want to assume. I am not sure, if me opting out from offers had anything to do with me not getting the green check marks on my checking account page. 

[AverageJoesCredit]

Yeah, not alot of data out there. Sorta like apping cuz Credit Karma recommends😏 Definetely weigh the pros and cons first

[Anonymous]

I don't get any offers on my Credit Journey page. 

[Anonymous]

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@AverageJoesCredit wrote:
Yeah, not alot of data out there. Sorta like apping cuz Credit Karma recommends😏 Definetely weigh the pros and cons first

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Absolutely right AJC! I tried looking for an answer on several topics but it seems to be a hit or miss. Good news howver with Disco. I called them, since I was going to use them to pay my taxes off this year, and they extended me 0% APR for 12 mos. So I am happy about that. Not so much on the CL not getting any increases, but at least it's something. I'll update this thread If I do end up applying next month for a Chase card. Thanks to AJC and everyone for your inputs.

[AverageJoesCredit]

Noice on the Disco. Got that recently myself but man im going to have to go 0/48 to get my new Disco apr lowered to something that even Credit One would give me.