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

[Anonymous]

Yes today was a great day! I closed around 6pm and as soon as I had the keys, I applied for the card on my phone while walking back to my car 😆

[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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That is incorrect information. I had a Chase Amazon Visa Signature with an $800 limit until I recently closed it. 

[Stryder]

I was curious about the Prequalify too, I wanted to try a mileage card so I tried the pre-q for Chase and they offered up three cards to pick from after I filled out the basic info....Freedom, Slate, and CSP...I selected CSP and it took me to a page for more info...address, SS, income, etc. ask if I wanted an AU...added my wife..hit enter and approved for 5k!! Really shocked! Really pleased!

I have a BoA Rewards 1k, Cap1 QS 3k, Sync 5.3k, AMEX ED 2k, 1 year ago I had total CL of 1k on BoA

TU8-671, EX-696, EQ-697  2-  7 year old Baddies

[Anonymous]

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@terryj wrote:

I was curious about the Prequalify too, I wanted to try a mileage card so I tried the pre-q for Chase and they offered up three cards to pick from after I filled out the basic info....Freedom, Slate, and CSP...I selected CSP and it took me to a page for more info...address, SS, income, etc. ask if I wanted an AU...added my wife..hit enter and approved for 5k!! Really shocked! Really pleased!

I have a BoA Rewards 1k, Cap1 QS 3k, Sync 5.3k, AMEX ED 2k, 1 year ago I had total CL of 1k on BoA

TU8-671, EX-696, EQ-697  2-  7 year old Baddies

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Congrats, I felt the same way, maybe try to double pull for more limit if you need?!

And I just applied for the Freedom Unlimited today, I got the 7-10 business day message, which was followed by a phone call from Chase Fraud department asking me to verify a whole bunch of stuff before they could process my application. After it was done he said they would review the application and get back to me in 7-10 days. I asked him if I was denied he said it didnt give him that information and still was under review. An hour later I called the application status number, and got in touch with a rep and she said it was still under review no denial or approval yet. Any thoughts on this anyone? Does this generally mean it will get denied or still a chance for approval?

[creditguy]

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@Anonymous wrote:

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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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That is incorrect information. I had a Chase Amazon Visa Signature with an $800 limit until I recently closed it. 

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While chase has recently been issuing the Amazon visa as a signature card with less than $5k limits, you'd be hard pressed to find other chase cards doing the same. Regardless, the CSP is a minimum $5k limit. 

[Anonymous]

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@SouthJamaica wrote:

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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.

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The other one, CardMatch, is not reliable unless the cards returned show a single interest rate and the opt out notice. The others are just advertising like Credit Karma.

[Anonymous]

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@Anonymous wrote:

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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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That is incorrect information. I had a Chase Amazon Visa Signature with an $800 limit until I recently closed it. 

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It is sort of correct information. While many flavors of Visa are issued as a signature with a SL less than $5K, the CSP isn't one of those. It does have a minimum of $5K.

[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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Congrats!!! That's awesome!! Did close on your home yesterday?

[Anonymous]

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@Anonymous wrote:

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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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Congrats!!! That's awesome!! Did close on your home yesterday?

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Yes thanks it did! Time for the renovations 

[Anonymous]

So today I kind of got carried away.. I applied for the Chase Sapphire Reserve and of course I got the 7-10 days message. So I called the lending department and they said they could not approve me for any additional cards. So I told them to close my newly created Sapphire Preffered and transfer the credit to the Reserve. And they agreed! So I now have a Chase Sapphire Reserve. Im pretty baffled that they would approve with someone with low scores like me.. They said it would arrive in 2-4 weeks!