Your access to this site has been limited

Your access to this service has been temporarily limited. Please try again in a few minutes. (HTTP response code 503)

Reason: Access from your area has been temporarily limited for security reasons.

Important note for site admins: If you are the administrator of this website note that your access has been limited because you broke one of the Wordfence advanced blocking rules. The reason your access was limited is: "Access from your area has been temporarily limited for security reasons.".

If you are a site administrator and have been accidentally locked out, please enter your email in the box below and click "Send". If the email address you enter belongs to a known site administrator or someone set to receive Wordfence alerts, we will send you an email to help you regain access. Please read this FAQ entry if this does not work.

Generated by Wordfence at Thu, 31 Aug 2017 20:42:50 GMT.


pre approved credit cards chase

Enter up to 25 symbols separated by commas or spaces in the text box below. These symbols will be available during your session for use on applicable pages.

Customize your NASDAQ.com experience

Select the background color of your choice:

Select a default target page for your quote search:

You have selected to change your default setting for the Quote Search. This will now be your default target page; unless you change your configuration again, or you delete your cookies. Are you sure you want to change your settings?

Please disable your ad blocker (or update your settings to ensure that javascript and cookies are enabled), so that we can continue to provide you with the first-rate market news and data you've come to expect from us.


5 Steps to Getting Approval for a Chase Credit Card [Even if You Were Denied]

The big promotion is finally over.

I’ve had had a few follow up emails with people worried that they didn’t or won’t get approved. In this post, I’ll give you a few tips to help give you the best possible chance of approval in case you didn’t get approved.

5 Steps for Getting a Chase Approval After You Are Denied

1. You don’t need to wait 7-10 days for your response.

If your application is pending, any time after a couple of days you can call 800-432-3117 or 1-888-245-0625. Just be sure you’re talking with someone in the application department. You would also need to call this number if your application was denied.

If you were approved, then get spending your minimum spend requirement to get your 100,000 miles.

If you were denied, don’t give up yet; there is still hope. You should try and follow up within 30 days of your original application.

There are various reasons why a person can be denied a credit card. Be sure you know the reason in your case.

3. Request that the person on the phone review your application to see if there is any way you can get the card.

This is the time you’ll want to share whatever information you have that might sway the decision:

  • I’ve been a Chase customer for years.
  • I have a 780 FICO score.
  • I’ve never missed a credit card payment in 6 years.
  • I make $75,000 per year.

When I was once denied for a Chase card, the first thing they did was verify the information on the account and asked some more detailed questions. What type of work did I do? How long had I been self employed? Those types of questions.

4. Offer to make some changes or adjustments to your existing accounts.

After they asked their questions, I shared some options and alternatives.

I shared the reasons why I thought I should be approved. Then I added that I’m happy to reduce my credit limit. I had a Chase card with a $9000 limit, and I asked if I could get one with $4,500 and the other with $4,500, and they agreed.

They did ask me why I needed two credit cards, and I just told them that I wanted to be able to earn miles with both airlines.

If it is because you have too many Chase cards, offer to close an older account.

5. Thank the representative.

If you’ve shared what you can share and offered what you can offer and you are not approved, you should just thank the rep and move on with your life.

At this point, if you want to be earning free travel with credit cards, you need to shift your focus towards improving your credit score. If you’re not currently tracking your score, you can get your FICO score at MyFICO, or monitor your score for free at Credit Sesame.

Have you ever been denied for a Chase card? Did you follow-up? What was the end result?


Chase Preapproved & Prequalified Offers: The Difference, Avoiding 5/24 & Becoming a 2 Sapphire Reserve Household!

Join over 5,000 people who are subscribed to receive a once daily email with all of our posts. Never miss out! Click here to subscribe.

Want more info? Come join our Travel Hacking & Reselling Facebook communities to get the answers!

Chase Preapproved & Prequalified Offers 5/24

With the recent release of the Chase Sapphire Reserve card and the stricter implementation of the 5/24 rule, many people are looking for ways to get approved for Chase cards even if they have opened up 5 or more new accounts within the past 24 months. One of the known methods of getting around Chase’s 5/24 rule is via preapproved offers.

Several people this week have pointed out Chase’s Prequalified Offers site and have asked if that is the same thing as Preapproved Offers that can be found in a branch. Let’s take a look at that topic.

Chase has a website that displays prequalified offers for you. To get your offers to show, you simply need to input your name, address and the last four digits of your social security number. It is not a credit application and is not a hard inquiry. In the past they have occasionally shown better offers on this page for some people, but that hasn’t been the case lately.

If you go into a Chase branch and speak to a banker, they have the ability to pull up your customer profile in their system to see if you are preapproved for any offers. Generally this information can be pulled up quickly and if you get to know a banker, sometimes you can call to have them check.

While Chase obviously doesn’t share their internal policies and underwriting guidelines, prequalified and preapproved offers seem to be treated quite different. In other words, checking the online site may or may not show an offer you are approved for. Additionally, prequalified offers online do not seem to skirt the 5/24 rule. Based on anecdotal evidence from others, prequalified offers are treated the same as a normal online application when it comes to 5/24.

On the other hand, preapproved offers found only by a Chase banker in a branch seem to bypass 5/24 in most cases. This has especially been true based on data reported by readers when it comes to the Chase Sapphire Reserve card. Many people who were preapproved in a branch have had their applications approved despite being well over 5/24.

2 Separate Systems & 2 Reserve Household

Yesterday my wife called up our Chase banker (we got to know him through opening up bank accounts during the recent bonuses) and had him check if she was preapproved for the Sapphire Reserve. She is significantly over 5/24 with little hope of soon getting under, so this was her only shot. Thankfully he informed her that she was indeed preapproved and this morning she went into the branch, applied and was approved for the card with a huge credit limit. We are now a two Reserve household!

As a counter point, she searched the Chase website for prequalified offers before applying and found this:

While there is nothing concrete with Chase or any bank for that matter, here are some personal takeaways about these offers based on my own experiences and what others have reported to me:

  • Prequalified offers do not help with 5/24 whereas Preapproved offers applied for in a branch seem to.
  • Just because you don’t have prequalified offers online doesn’t mean you won’t have preapproved offers in a branch. It never hurts to check if you are looking to apply for a specific card.
  • Sapphire Reserve specifically seems to be fairly easy to get if you are preapproved in a branch. (At least for now.) I have seen only a few data points of people who are preapproved being denied.
  • With Chase it generally pays to have a good customer relationship, so it might be beneficial to have bank accounts with them and/or get to know a banker so they can check offers for you periodically. In fact, some speculate that you need bank accounts with Chase to even become preapproved.

Do you have anything to add regarding Chase preapproved and Chase prequalified offers? Please share in the comments!


Rules to Know for Chase Credit Card Applications

The 2/30 rule says that you can only have 2 applications every 30 days or else you’ll automatically be rejected.

A good strategy is to apply for 2 cards at the same time, that way you can combine hard pulls on the same day and minimize the credit inquiries on your credit report. If you apply for more than one card on the same day with the same issuer, they’ll only pull your credit once.

Something to consider is just because you can, doesn’t mean you should. If your credit profile doesn’t qualify for certain cards, you still won’t get approved. For example, if you’re someone who has a new credit history or doesn’t have a relationship with Chase, then Chase will most likely only grant you one card.

If you don’t have a high credit score, your chances of getting approved for the Chase Sapphire Reserve is slim. Chase usually looks for a great credit score or a banking relationship. It’s a lot easier and less risky for Chase to give you a credit line of $1,000 with the Chase Freedom, as opposed to the minimum $10,000 credit limit with the Chase Sapphire Reserve.

The most infamous rule is the Chase 5/24 rule. The idea is if you have more than 5 new credit cards in the past 24 months, from any issuer, you’ll automatically get rejected for certain Chase cards.

For example, if you received 4 Bank of America credit cards and 1 Citi credit card in the past 24 months, then your Chase application will be automatically rejected because of 5/24.

The main exception to this is Chase business cards because they don’t go on your personal credit report. Even though Chase can see them on your report, they don’t really care.

Pre approved credit cards chase

Grey boxes = Cards that can’t be applied for but are product change (downgrade) options

Navy blue boxes = Affected by 5/24 BUT in-branch pre-approvals can circumvent 5/24

Red boxes = Affected by 5/24 AND no pre-approvals

Green boxes = Not affected by 5/24

A “loophole” around 5/24 is in-branch pre-approvals. Be weary if a banker says you’re pre-approved for everything. There are two scenarios:

  1. You’re really pre-approved for everything
  2. They’re not sure and are just saying you’re pre-approved

In this case, ask them to print out the card terms for you. If the interest rate is a range like 19–22%, you’re not pre-approved. If the interest rate is an exact number like 19.35%, then you’re pre-approved.

Just because you’re pre-approved for a card doesn’t mean you’ll 100% be approved for the card. You still have to go through the application and underwriting process.

For our purpose, we’re looking at pre-approvals as a way to get around the 5/24 rule.

If you don’t want to go in-branch, you can check for pre-approvals online. Log into your Chase account and see if there are any special targeted offers with a green check mark. The other way is to wait for a mailer via snail mail.

The recommended way to get pre-approved for cards is to not apply for any Chase cards in 6 months. It’s not really a science, so your experience may vary.

In terms of sign up bonuses, you can qualify for a new bonus every 24 months. For example, if you received the Hyatt sign up bonus in 2013 and applied for the card again in 2017, you would be eligible to receive a new bonus.

If you’re currently an authorized user for a card you want to apply for, you should remove yourself to qualify for the sign-up bonus.

If you’re looking for the optimal strategy, go for the cards in the red boxes first, then the navy blue cards, followed by green. The main reason why you want the cards in the red boxes first is because they’re affected by 5/24 and there’s no way around that.

Keep in mind, just because it’s the optimal strategy doesn’t mean it makes sense for you. For example, the Southwest cards are in red boxes, but they don’t make sense for people who don’t live in a Southwest hub.

At the end of the day, we recommend applying for cards that make sense for you and add value based on what you’re trying to achieve.