@elboullee wrote:Since opening my accounts with Chase nine months ago I have never had any credit card offers - save the Slate appearing in my dashboard for one week a few months ago. Though I was approved for the CFF the day I opened my accounts.
This morning I noticed that there were multiple credit card offers in my Chase dashboard. However, not all of the offers used the same language.
I have offers for all of the Ink business cards and a couple of co-branded WN and hotel cards that are listed as "You're Already Approved" with a green banner with a star.
I also have offers for the Slate, CFU, CSP, CSR that are listed as "You're Preapproved", also with the same green banner with a star.
All of the offers show me a fixed APR, but no SLs.
What if any differences are there between these offers? In the world of Chase, is there a significant difference between 'pre-approved' and 'already approved'? Also, no secret that I have been gardening to improve my odds of getting the CSP with a decent limit. Does this morning's discovery bode well for that, and is there any evidence out there that there is still a good chance of getting the first AF waived by applying in-branch?
Thanks in advance for your thoughts.
The green and black star offers are typically solid and come through with approvals. If you click on one of them you should see the credit line and APR you'll receive.
other than probably needing to call in to confirm identity if it goes pending after you accept, I would extremely confident 90%+ in accepting any of the offers shown to you, I don't think the language difference is meaningful in this case
if there's a card you want and you're good with the offer and you don't want to wait for an elevated offer, I'd go for it
You're already approved means just that, you just need to accept. Pre-approved means a high likelihood of approval, but there's still an approval process.
@elboullee wrote:Since opening my accounts with Chase nine months ago I have never had any credit card offers - save the Slate appearing in my dashboard for one week a few months ago. Though I was approved for the CFF the day I opened my accounts.
This morning I noticed that there were multiple credit card offers in my Chase dashboard. However, not all of the offers used the same language.
I have offers for all of the Ink business cards and a couple of co-branded WN and hotel cards that are listed as "You're Already Approved" with a green banner with a star.
I also have offers for the Slate, CFU, CSP, CSR that are listed as "You're Preapproved", also with the same green banner with a star.
All of the offers show me a fixed APR, but no SLs.
What if any differences are there between these offers? In the world of Chase, is there a significant difference between 'pre-approved' and 'already approved'? Also, no secret that I have been gardening to improve my odds of getting the CSP with a decent limit. Does this morning's discovery bode well for that, and is there any evidence out there that there is still a good chance of getting the first AF waived by applying in-branch?
Thanks in advance for your thoughts.
IMHO the "already approved" preapprovals represent a higher level of preapproval.
@elboullee wrote:That would certianly be the plain reading.
But I would love to see Chase's or anyone else's algorithm expressed as a flow chart.
Would love to see what it is specifically about my profile that makes me "absolutely, like totally approved" for the $450 AF United and $195 AF Ink Business Premier cards but only "probably, like pretty much approved" for the $550 AF CSR and $95 AF CSP cards.
Found the section of code you are looking for:
If Fico=Good .and. Age=Good .and. Inquiries=Good .and. Income=Good
X=Random_Number()
If X = even_number
" You're Already Approved "
else
" You're Pre-Approved "
endif
endif
