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Is This a Pre-approved Offer or Just Marketing?

ChargedUp
Senior Contributor

Re: Is This a Pre-approved Offer or Just Marketing?

The solid offers from Chase show the credit line and APR they intend to give to you. Usually it'll say "You're already approved!" as well.

AODFCU 3% Visa ($10K), Amex PRG (NPSL), Amex Blue Cash ($27K), Amex Simply Cash+ ($4K), Amex Business Cash ($22.5K), Discover ($29.7K), Cap 1 Union Plus MC ($2750), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($15K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($13K), PenFed PCR ($5K), Bank of the West CB MC ($3K), PNC Cash Rewards ($14K), NASAFCU Rewards Visa ($20K), BOC/Elan Max Cash MC ($25K), BoA Business Customized Cash Rewards MC ($8k), Chase Amazon Visa ($35K)
Message 11 of 14
Beast26
Frequent Contributor

Re: Is This a Pre-approved Offer or Just Marketing?

The ones that are in my chase account say you're already approved for each card and they have set aprs.  But no starting limits.  To be clear my initial post was NOT a pre-approval but now I am getting true pre-approval offers from chase through email and my chase account.





Revolving history: 1 year 7 months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Fingerhut $500
Quicksilver $600
Discover It Miles $17,500
Chase Freedom Flex $3,200
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $6,000

Message 12 of 14
ChargedUp
Senior Contributor

Re: Is This a Pre-approved Offer or Just Marketing?


@Beast26 wrote:

The ones that are in my chase account say you're already approved for each card and they have set aprs.  But no starting limits.  


If they're showing a card that would provide value to you, you could try. A set APR is usually a pretty good sign and your scores are in the ballpark of when I picked up CFU and about a month later, CSP. (Although I don't generally recommend grabbing Chase products that close together...) It would make for some data points for us here at the very least grin.gif

AODFCU 3% Visa ($10K), Amex PRG (NPSL), Amex Blue Cash ($27K), Amex Simply Cash+ ($4K), Amex Business Cash ($22.5K), Discover ($29.7K), Cap 1 Union Plus MC ($2750), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($15K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($13K), PenFed PCR ($5K), Bank of the West CB MC ($3K), PNC Cash Rewards ($14K), NASAFCU Rewards Visa ($20K), BOC/Elan Max Cash MC ($25K), BoA Business Customized Cash Rewards MC ($8k), Chase Amazon Visa ($35K)
Message 13 of 14
Beast26
Frequent Contributor

Re: Is This a Pre-approved Offer or Just Marketing?

What were your starting limits like for the cards?





Revolving history: 1 year 7 months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Fingerhut $500
Quicksilver $600
Discover It Miles $17,500
Chase Freedom Flex $3,200
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $6,000

Message 14 of 14
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