How reliable are pre-qualifications from Chase, Amex. and Creditcards.com CardMatch.

[Anonymous]

A few months ago on the Amex site it said I was prequalified for the Everyday card and the blue cash rewards. Chase prequalified me starting 2 weeks ago. Before that it wrote "we could not find any offers at this time". They prequalified me for the Slate and Freedom. On creditcards.com the cardmatch feature they had prequalified me for pretty much all of the Amex cards including the travel ones, and same for Chase. What was wierd was that Cardmatch matched me to Chase even before Chase prequalified me. They matched me 3 weeks ago, then a week later Chase prequalified me. The only thing that makes me question all of this is that my scores are pretty low in mid 650's. I would really like the Chase Sapphirepreffered. Any thoughts?

[creditguy]

Pre Quals from Chase and Amex are fairly reliable, of course with anything there can still be a denial even with a Pre Qual however. Not sure mid 650's will cut it for a CSP but you will only know by applying. CSP likes to see experience with higher limits in your profile since the have a $5k SL, good luck.

[Anonymous]

If I get denied for CSP can I then try to apply for the freedom? Hmm personally my larger credit limit is $2500 from capital one. I have a overstock credit card for $3200 not sure if that counts.

[TruBlu]

The CSP is a signature card so you will definitely need to be approved for atleast a 5K limit. As noted above by Creditguy, Chase definitely likes to see experience with higher limits, i.e. 5K+ limits before taking a chance.

I would recommend getting your foot in the door with Chase via a Freedom or a Freedom Unlimited card. These don't need a 5K approval like the Saphire Preferred. Also once you build a solid history with Chase they will throw open the doors for you for a higher limit card, as long as you have no derogs on your CRs.
Let us know what you decide to do!

[Anonymous]

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@TruBlu wrote:
The CSP is a signature card so you will definitely need to be approved for atleast a 5K limit. As noted above by Creditguy, Chase definitely likes to see experience with higher limits, i.e. 5K+ limits before taking a chance.

I would recommend getting your foot in the door with Chase via a Freedom or a Freedom Unlimited card. These don't need a 5K approval like the Saphire Preferred. Also once you build a solid history with Chase they will throw open the doors for you for a higher limit card, as long as you have no derogs on your CRs.
Let us know what you decide to do!

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Thanks for the input, in that case I will go with the freedom! I have a house scheduled to close on the 7th. After it closes I will apply for the freedom and update the results here. Thank you!

[Anonymous]

I actually caved and applied for the CSP 😎 very surprised that I was approved without a pre approval! Limit was 6k before this my highest limit was 2.5k fromCap1. I called Chase for a higher limit they said they had to pull my credit again, I thought it was strange since they had just rann it literally 5 min ago. But he insisted that was the only way. He ran it and he said I was approved for 13.2k! I think it was worth the double pull lol. Especially considering my scores are at about 660 now!

[SouthJamaica]

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@Anonymous wrote:
I actually caved and applied for the CSP 😎 very surprised that I was approved without a pre approval! Limit was 6k before this my highest limit was 2.5k fromCap1. I called Chase for a higher limit they said they had to pull my credit again, I thought it was strange since they had just rann it literally 5 min ago. But he insisted that was the only way. He ran it and he said I was approved for 13.2k! I think it was worth the double pull lol. Especially considering my scores are at about 660 now!

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Congratulations

PS In response to your question, Chase and Amex prequal's are reliable, I don't know about that other one.

[lhcole77]

From my experience I have been approved for every prequal offer I've received.

[Anonymous]

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@Anonymous wrote:
I actually caved and applied for the CSP 😎 very surprised that I was approved without a pre approval! Limit was 6k before this my highest limit was 2.5k fromCap1. I called Chase for a higher limit they said they had to pull my credit again, I thought it was strange since they had just rann it literally 5 min ago. But he insisted that was the only way. He ran it and he said I was approved for 13.2k! I think it was worth the double pull lol. Especially considering my scores are at about 660 now!

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Cool, lol, congrats.

[TruBlu]

OP Congratulations!!!

I'd say that was definitely worth the double pull! With this I assume you closed on your house today as well, so here is a double pull worth of Congratulations once again! 😎