Chase Prequal Offers

[Harvey26]

I have been banking with Chase for almost a year and I have over 10K+ in deposit balances and was have about 6K in direct deposits a month. Soon I will be selling my home and it will push me close to the 100K in deposits. Does any of this play a factor in getting a hard offer for a credit card with them I did receive an 50K auto loan offer but I am paying my car off from home proceeds. I am well over 5/24 and I have around 30 inqs per buerau and all scores 760 and above. Just wondering if anyone has any insight on this. 

Thanks

[simplynoir]

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@Harvey26 wrote:

I have been banking with Chase for almost a year and I have over 10K+ in deposit balances and was have about 6K in direct deposits a month. Soon I will be selling my home and it will push me close to the 100K in deposits. Does any of this play a factor in getting a hard offer for a credit card with them I did receive an 50K auto loan offer but I am paying my car off from home proceeds. I am well over 5/24 and I have around 30 inqs per buerau and all scores 760 and above. Just wondering if anyone has any insight on this. 

Thanks

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Not with respect to how much you hold with them. Just the simple fact that you have accounts with them helps and from there Chase determines who gets pre-qualified offers for their credit cards. Offers range from their core cards to the cobrands like Marriott, United and Southwest

[Remedios]

No idea, honestly.

There are always two camps, *yo, we in relationship* and *you're gonna have to better to impress Chase* 

As a point of reference, I've pushed my entire financial life through Chase for over 15 years, Ive had two mortgages (paid off both), auto loans, I have non-trivial deposit accounts, investment account, and one trust fund still with Chase. I was denied 5 years ago, while CPC for short revolving history. Everything I mentioned above was true then too, with one other trust fund in addition to the one I mentioned. 

So, none of that played a role.

Some time after those denials, I was approved for Freedom, followed by CSP only three weeks later. I think I was 8/24 and 9/24 when approvals happened. 

I never attributed approvals to "relationship" but instead to correcting what AA letter said, my revolving history became longer. 

I've had on and off pre-approvals for cards while over 5/24, however those happened to be cards I had no interest in.

I did cold app for science while over 5/24, I got denied before I even hit "finish" link (slight exaggeration but that's what happened). 

You might go your whole life without seeing one, or you might have them on and off. 

I wouldn't count on seeing pre-approval only because you have some money in there, but if you use them as your primary FI, it cannot hurt.