Chase Auto Approval?

Absolution16 · ‎03-13-2023

I am seeing these messages on my Chase iPhone app. These do NOT show up when I use the Android app, or the desktop website version.

1. Flex:

2. Unlimited:

What do these mean? Are these indications of "guaranteed" approval? Or are they just mere equivalents of pre-qualify/pre-approval that are never a guarantee? And why do these only pop up when I use the Chase iPhone app, but not in desktop or Android app?

I am not planning to apply right now, but thought this was strange.

ptatohed · ‎03-14-2023

Give Chase a call.

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5% CB rotating:

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Companion Card:

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No hope:

SouthJamaica · ‎03-14-2023

@Absolution16 wrote:
I am seeing these messages on my Chase iPhone app. These do NOT show up when I use the Android app, or the desktop website version.

1. Flex:

2. Unlimited:

What do these mean? Are these indications of "guaranteed" approval? Or are they just mere equivalents of pre-qualify/pre-approval that are never a guarantee? And why do these only pop up when I use the Chase iPhone app, but not in desktop or Android app?

I am not planning to apply right now, but thought this was strange.

In my opinion they are preapprovals, of a higher quality than the other preapprovals, but do not rise to the level of guaranteed approvals.

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biggie23 · ‎03-15-2023

Where exactly in the iphone app do you see these?

@Absolution16 wrote:
I am seeing these messages on my Chase iPhone app. These do NOT show up when I use the Android app, or the desktop website version.

1. Flex:

2. Unlimited:

What do these mean? Are these indications of "guaranteed" approval? Or are they just mere equivalents of pre-qualify/pre-approval that are never a guarantee? And why do these only pop up when I use the Chase iPhone app, but not in desktop or Android app?

I am not planning to apply right now, but thought this was strange.

Absolution16 · ‎03-15-2023

@SouthJamaica

Got it. So just like any standard pre-approval notice from other banks, only slightly better chance at approval. Thanks for the confirmation!

Absolution16 · ‎03-15-2023

@biggie23

As soon as I first log into the Chase iPhone app, these show up right below my list of credit card accounts. It takes about a second or two for the screen to kind of refresh and they pop up. This only happens for me exclusively on my iPhone app. When I try to go to "Just for You" section on my desktop, for example, they do NOT show up.

CreditMarathoner · ‎03-15-2023

@Absolution16 wrote:
@biggie23

As soon as I first log into the Chase iPhone app, these show up right below my list of credit card accounts. It takes about a second or two for the screen to kind of refresh and they pop up. This only happens for me exclusively on my iPhone app. When I try to go to "Just for You" section on my desktop, for example, they do NOT show up.

I would guess they're just marketing, not actual preapprovals. Real prequals/preapprovals will show up in "Just For You" with a black star or a green check mark.

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Absolution16 · ‎03-15-2023

@CreditMarathoner

I have read people talk about that black/green star icons, but I have never seen any of them before. I found it really weird that only the iPhone app was showing me those "already approved" offers. I think you may be right. I will treat them as just marketing ploy. I am not planning on applying for the Freedom cards just yet, anyways.

SouthJamaica · ‎03-15-2023

@Absolution16 wrote:
@SouthJamaica

Got it. So just like any standard pre-approval notice from other banks, only slightly better chance at approval. Thanks for the confirmation!

Yes, maybe even better than "slightly better chance".... but still no guarantee. I would say it's unusual for someone who had that to get turned down.

Total revolving limits 569520 (505320 reporting) FICO 8: EQ 699 TU 696 EX 682