How firm are Chase invitations?

[Anonymous]

My mom called me to tell me she had received an offer in the mail for the Chase Disney card. Included a unique invitation code. They've had more than 5 credit cards approved in the past two years though, so wanted to check in here and see if anyone knew if this was a good shot or not? it's not a high end card and their reports are clean, scores in the 750-770 range.

Thanks

[jacetx]

Has she checked online for prequals? Chase prequalifiers are very solid. Also the 5/24 rule does not apply to cobranded cards (Amazon, Disney, United, etc).

[Anonymous]

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@jace8602 wrote:

Has she checked online for prequals? Chase prequalifiers are very solid. Also the 5/24 rule does not apply to cobranded cards (Amazon, Disney, United, etc).

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Online shows nothing (but it never showed anything for me either and I had been approved for United MileagePlus Explorer and CSP). Thank you for clarifying that the 5/24 rule doesn't apply to co-branded cards. That makes me feel that the invitation is probably a set offer, since the APR was also set at 15.24%

The offer was especially tempting because it has no AF and offers $250 as a Disney Gift card with $500 spent, plus $50 if you add an AU within 3 months. Figured it could be used to offset the cost of either a DisneyWorld resort hotel or the tickets themselves.

[Anonymous]

That's a very nice sign up bonus. If the APR is a fixed number, I think the invitation is firm as well.

[takeshi74]

Never rely on offers or prequals no matter how "firm" anyone may say one may be.

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@Anonymous wrote:

My mom called me to tell me she had received an offer in the mail for the Chase Disney card. 

Offers, invites, prequals are all just marketing.  She should user her needs/wants to select cards that suit her versus letting a company's marketing department decide for her.

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@Anonymous wrote:

it's not a high end card and their reports are clean, scores in the 750-770 range.

Don't rely on "high end", "prime" etc either.  These are highly subjective terms and basicaly meaningless.  Again, it's what fits the individual that matters.

The above sounds good but keep in mind it's never just about score.  Also, make sure you reference the specific model.  Are those FICO 8's?

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@Anonymous wrote:

That makes me feel that the invitation is probably a set offer, since the APR was also set at 15.24%

IIRC that card doesn't have an APR range.  She can confirm by looking at the pricing and terms online.  This should be part of her due diligence before considering a given card.