How solid is a Chase offer vs Prequal

[CreditMagic7]

Definitely was not looking to add anymore cards for awhile however on my Chase account page they show an offer for the CSP which by the way i not so recently just PC'd to reobtain their Chase Freedom Card again.

I previously had the CSP for a year.

In an effort to shore up my overall credit lineup, i added "other" alternative lenders who have come through nicely but am not so anxious (although i do plan to add another Chase Card) to rush into it anytime soon (or i didn't plan to).

Nothing is showed on Chase's Prequal which is completely understandable since i am over the 5/24 thingy and will be for a bit.

My question is this. Do Chase's "Offers" like the CSP they are currently displaying solid as the Prequals?

FWIW I didn't see that preapproval box at the lower section that usually suggests a good possibility of approval.

Thanks

[CreditMagic7]

Any ideas yet?

Someone here has surely taken them up on an account "offer" before.

[Anonymous]

Hi CM7,

Here is some information that I hope will be of help. My husband had not been a prior Chase customer in December when I checked the Chase prequals for him. He was qualified for CSP, Freedom and Slate. I applied for CSP for him and he received a $10,000 approval. I waited a few days and then applied for a Hyatt card for him, and he received a $10,000 approval on the 2nd card as well.

This may be a bit different than your situation as yours is showing in your Chase sidebar and his was a prequal from checking online, but from what I understand, Chase offers seem to be fairly solid when they show up online under your "offers".

Specific APR always helps as well vs. displaying a range.

There was a post here on myfico yesterday in which someone had a green check mark in their Chase offers online and it seemed fairly solid.

Here also is a helpful post:

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Logged-into-my-Chase-credit-card-account-wi...

Good luck, my friend.

[Anonymous]

Offers on Chase's 'my offers' page are normally reliable from what I've seen. Being over 5/24 does make it tricky. If there is a local branch, going in could give you the same preapproval and get around the 5/24

[K-in-Boston]

I am being too lazy to look them up, but there have been a few threads recently where I chimed in that I had no prequals from Chase, but on December 31st when I logged in to my Chase account, I had the green check mark next to offers and had solid APR offers for CSP, FU and Slate.  Took them up on the CSP and was immediately approved.  I was over 5/24.  It seems that if there are actual cards displaying with set APRs, the offers are a go.  If you have things like "Explore our credit cards" in there instead, that's as good as cold apping.

[CreditMagic7]

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@K-in-Boston wrote:

I am being too lazy to look them up, but there have been a few threads recently where I chimed in that I had no prequals from Chase, but on December 31st when I logged in to my Chase account, I had the green check mark next to offers and had solid APR offers for CSP, FU and Slate.  Took them up on the CSP and was immediately approved.  I was over 5/24.  It seems that if there are actual cards displaying with set APRs, the offers are a go.  If you have things like "Explore our credit cards" in there instead, that's as good as cold apping.

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Thanks K-in-Boston (and others).

I indeed have the Green CheckMark offer for CSP and a single APR of 16%.

Going forward with it will no doubt make a double-pull though.

It's not necessary at this time but it might just be the "right" time too. Will give it some thought.

[Anonymous]

I posted a very similar post to this one the other day (didn't get a clear answer). It gave me a list of offers Freedom, Freedom Unlimited, and Chase Sapphire Preferred. I went with the Freedom card because I didn't want to be too overzealous and go for the CSP since it is one of my dream cards. I was approved for the Freedom card. Gave me a 7-10 day response but I called Chase and told them I should have received an immediate approval if they were the one's reaching out to me about  pre-approved cards on their app. They "verified" my identity by asking the usual silly questions and then boom! given a $2500 SL. After I received my card they sent me a direct offer for the CSP card but I felt like it was a set up to apply because I thought I would have to wait 6 months to apply for another card from them and I don't want to take a chance being declined. 

[Anonymous]

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@Anonymous wrote:

Offers on Chase's 'my offers' page are normally reliable from what I've seen. Being over 5/24 does make it tricky. If there is a local branch, going in could give you the same preapproval and get around the 5/24

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I'm definitely over the 5/24 but they still approved me when I took the Freedom offer (I was also offered Freedom Unlimited and CSP). I received a 7-10 day review response but I called them immediately and in the end I was approved and given a $2500SL

[K-in-Boston]

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@CreditMagic7 wrote:

I indeed have the Green CheckMark offer for CSP and a single APR of 16%.

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I would gamble that is a solid offer, as that's what I had also. It's a shame that the lowest APR is 16.49% but it could be far worse.

Edited to add: While not AmEx-fast on bonuses posting (gold standard as far as I'm concerned), I do already see the pending 50,000 UR bonus points for my 3rd statement closing Friday.

[CreditMagic7]

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@Anonymous wrote:

I posted a very similar post to this one the other day (didn't get a clear answer). It gave me a list of offers Freedom, Freedom Unlimited, and Chase Sapphire Preferred. I went with the Freedom card because I didn't want to be too overzealous and go for the CSP since it is one of my dream cards. I was approved for the Freedom card. Gave me a 7-10 day response but I called Chase and told them I should have received an immediate approval if they were the one's reaching out to me about  pre-approved cards on their app. They "verified" my identity by asking the usual silly questions and then boom! given a $2500 SL. After I received my card they sent me a direct offer for the CSP card but I felt like it was a set up to apply because I thought I would have to wait 6 months to apply for another card from them and I don't want to take a chance being declined. 

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Believe me i am the same way, that is always skeptical of being "set up".

I mean i have a reasonable enough good history with Chase so far but also i am not as up on Chase as most cardholders are.

Most my spend is been geared toward other lenders these past years and i really am not sure where things stand with their internal scoring system.

Still it's been a plan of mine to finally have a "pair" of Chase cards and really be able to maximize/transfer UR points and a single card won't do it.

While everyone was jumping on Chase and racking up multiple cards with them i steered toward other lenders so that now i am kind of on the tail end of that trend.