Help!!! I just pre-qualified for Chase!!!!

[Hillbill]

Lol don't do the sapphire! my goodness you are already investing in Amex you said to get that bonus, now if u get the sapphire you will be like 5k in CC debt between the 2 cards. Slate is the easiest to get but like it's been said the card does absolutely nothing for you but BT. Go with freedom seems the most beneficial of the cards for you. Go with what you will use it for.

[Anonymous]

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@Anonymous wrote:

2) ...except if you're over 5/24. 5/24 is the master rule. If you're over 5/24, you will be denied.

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This statement is not true.  While it may be a general "rule" on these boards, plenty of forum members have reported being approved for Chase products when they were over 5/24 and even some that were over 10/24.  As with almost everything credit-related, it comes down to individual profiles and cases.

[MyLoFICO]

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@Anonymous wrote:

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@Anonymous wrote:

2) ...except if you're over 5/24. 5/24 is the master rule. If you're over 5/24, you will be denied.

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This statement is not true.  While it may be a general "rule" on these boards, plenty of forum members have reported being approved for Chase products when they were over 5/24 and even some that were over 10/24.  As with almost everything credit-related, it comes down to individual profiles and cases.

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This is true. I got approved after recon for a Slate with 27/24. My SL was only 2k but I did get the card. And that is after being denied the Disney and Freedom cards. 

[NRB525]

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@MyLoFICO wrote:

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@Anonymous wrote:

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@Anonymous wrote:

2) ...except if you're over 5/24. 5/24 is the master rule. If you're over 5/24, you will be denied.

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This statement is not true.  While it may be a general "rule" on these boards, plenty of forum members have reported being approved for Chase products when they were over 5/24 and even some that were over 10/24.  As with almost everything credit-related, it comes down to individual profiles and cases.

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This is true. I got approved after recon for a Slate with 27/24. My SL was only 2k but I did get the card. And that is after being denied the Disney and Freedom cards. 

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The rule is, if over 5/24, one can expect to be denied EXCEPT in some cases where someone got a 5/24-limited card because of some combination of features in their profile or relationships with Chase.

[Anonymous]

Im in the same boat as you soloman, I am over 5/24, scores arent the greatest, and just received my first pre-quals with chase.  As soon as I get lower utilization reported in a few days im going to try the Freedom pre-qual.  I say go for the Freedom ASAP and let us know how it turns out!

[Anonymous]

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@Anonymous wrote:

Im in the same boat as you soloman, I am over 5/24, scores arent the greatest, and just received my first pre-quals with chase.  As soon as I get lower utilization reported in a few days im going to try the Freedom pre-qual.  I say go for the Freedom ASAP and let us know how it turns out!

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Hello cy1215. Guess what? Despite being approved by more than 5 in the last 2 years, despite having 50% utilization, and despite having a collection, I was approved! It wasn't instant and stated further review was needed. I called and they asked for my cell number to send a verification a code. I read the code to her and she stated I was approved. The unusual part is she didn't tell me my limit nor rate. She said it will be in the welcome package. I applied for the Slate to transfer a balance from another card. I'll whisper a prayer that yours goes smoothly too!

UPDATE: I called the status line listed in the myFICO Backdoor Numbers.  The limit is $5K and I was given the 0% introductory rate.

[Anonymous]

AWESOME!!!!! Man that is so awesome. Gives me hope too! I have a collection and a couple charge-offs, but im gonna hold out for about a week more so I can have under 10% uti reporting hoping that will give me a decent limit..  Congrats!

[kidink1911]

Congrats Soloman! I would go for the CSP-- I have the CSP and I absolutely love it!!

Good luck!! 

CSP- $8,000 ** Cap One QS- $3,550 ** Barclay JetBlue MC- $3,000 ** Synchrony Walmart MC- $2,400 ** BOA Travel Rewards- $2,000 ** Barclay Apple Rewards- $2,000 **BP Gas- $600 ** CF- $500 ** Credit One- $450 ** Milestone- $300

[Anonymous]

I've been looking 

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@Anonymous wrote:

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@bourgogne wrote:

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@Anonymous wrote:

Oh shoot!  24 means months, right? All my cards I've received starting the spring of 2015 and it's more than 5.

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hum easy does it and back away from the return key...this looks like an offer from a chase portal, is it?  if yes forget it.  go to their site for a pre-qual

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The offer came from here: https://www.chase.com/prequalified

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I keep checking there but I'm guessing I get nothing because I'm under 21?

[sjt]

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@Anonymous wrote:

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@Anonymous wrote:

2) ...except if you're over 5/24. 5/24 is the master rule. If you're over 5/24, you will be denied.

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This statement is not true.  While it may be a general "rule" on these boards, plenty of forum members have reported being approved for Chase products when they were over 5/24 and even some that were over 10/24.  As with almost everything credit-related, it comes down to individual profiles and cases.

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I think it depends if you were pre-qualed as a Chase customer or pre-qualed as a non customer.