Chase Preapproval

Brianna0824 · ‎03-10-2023

Ok so I need some help.

I opened my Chase app this morning and I have 3 pre approvals. I am happy but hesitant because I checked my Experian app and it says I have 6/24. (2 from home lenders). On my fico app it says 2/24. I'm confused and hope someone can clarify this for me. I'm going to try to attach the screenshots so you can see.

Also I don't see where the CL is they are pre approving me for.

Please help.

GZG · ‎03-10-2023

5/24 refers to credit card/revolving type accounts opened in the last 24 months, not inquries, not loans

Have you opened more than 4 credit cards/revolving lines of credit appearing on your credit report in the last 24 months, regardless if they have an inquiry (the preapprovals on your chase account highly suggest you haven't, but you might have)

@Brianna0824

Starting FICO 8:

Current FICO 8:

Brianna0824 · ‎03-10-2023

Ohhh I see. This entire time I was thinking it was inquires. I've only gotten 2 in the last 24 months. So because I have these preapprovals, does it mean I have a good chance of approval? My experian is 719, no collections. And where do I find the amount they want to preapproved me for. I have a chase freedom unlimited with a 12k limit. Should I shoot for the sapphire preferred?

BenConrad · ‎03-10-2023

@Brianna0824

Absolutely! Shoot for the Reserve--you are going to get it. Note that Chase uses their own scoring system. I have a 720 TU--(they only pulled TU) and a recent approval I received noted that their own proprietary score had me at 789... so go figure?!

SpaceCityCCuser · ‎03-10-2023

I had the csp and csr preapprovals as well last year. If you are going for the csp I would wait a bit. I have heard on dr of credit that a new in branch 90k SUB is coming soon. That is if you apply in branch you can get this better offer. I would wait until that is active.

Last Signature Update: 09/01/25 | 2025 Total AF = $1560 (2025 credits redeemed *organically* $1465)

Credit Age:
Approvals (Chase 5/24 not counting business cards):
Inquiries:

Financial Institutions:
Cards on the Radar:
2 plus years away cards:

BenConrad · ‎03-10-2023

@Brianna0824

BTW... I find Chase to be incredibly candid on the phone. I would call them and ask them if you are elligible for all 3--or 2 and what credit lines they can offer you. If you already have a Chase card they may very well only pull soft inquiries--ask!

Blender · ‎03-10-2023

@Brianna0824 wrote:
Ok so I need some help.

I opened my Chase app this morning and I have 3 pre approvals. I am happy but hesitant because I checked my Experian app and it says I have 6/24. (2 from home lenders). On my fico app it says 2/24. I'm confused and hope someone can clarify this for me. I'm going to try to attach the screenshots so you can see.

Also I don't see where the CL is they are pre approving me for.

Please help.

For what its worth, if you're really interested in the CSP, starting 3/19 if you apply in branch the SUB is 90k points vs the listed 60k on site.

(as seen on DOC)

10/2024

SpaceCityCCuser · ‎03-10-2023

Also, you can PC from the csp to the csr after your one year anniversary. If you were eyeing the csr.

Last Signature Update: 09/01/25 | 2025 Total AF = $1560 (2025 credits redeemed *organically* $1465)

Credit Age:
Approvals (Chase 5/24 not counting business cards):
Inquiries:

Financial Institutions:
Cards on the Radar:
2 plus years away cards:

JoeRockhead · ‎03-10-2023

@BenConrad Unless things have changed very recently, Chase will only approve you for 2 cards in a 30 day period and as long as you're within the whole 5/24 rule... If you can get three, that would be a great data point for someone to share.

Brianna0824 · ‎03-10-2023

I'm on the phone with them now and they are saying they don't have the capability to tell me what card I am preapproved for and for how much. Lol. I may have to head to a branch.