The helpfulness of a financial advisor's answer is not indicative of future advisor performance. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. And you can use it wherever Visa is accepted. Before you apply, consider filling out a Chase credit card prequalify application to get an idea of your chances. “You’re pre-qualified” black tag with fixed APR, no stated credit line, asks for income during application; this should bypass 5/24 making you eligible for approval. @darrenb_26 $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k … Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval. Explore our picks of the best brokerage accounts for beginners for December 2020. To get Chase Freedom Flex pre-approval, check for offers online or at a local Chase branch, or respond to a pre-approval offer you received in the mail. They're actually much different. Online is naturally the fastest and most convenient method. The terms are often used interchangeably, but their exact definitions are a bit different. If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. If you receive one, you can fill out the enclosed application and send it back to Chase. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer. Everything You Need to Know About Savings. What's the difference with pre-approved vs pre-qualified credit cards? Earn 5% cash back on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, 3% on drugstore purchases, and unlimited 1.5% cash back on every purchase with the Chase Freedom Unlimited Credit Card! Consider improving your credit score and checking for pre-qualification again in the future -- you can fill out the Chase credit card prequalify application as often as you want. The Ascent is reader-supported: we may earn a commission from offers on this page. Both pre-approved and pre-qualified credit card offers have no effect on your credit standing. This rule would otherwise automatically deny your application if you've opened five or more credit accounts within the last 24 months. In fact, multiple reviewers were approved with scores in the mid-600s, and one reviewer reported being approved with a score of 644. But it’s worth noting that all of Chase’s credit cards currently require at least good credit for approval. Explore the best credit cards in every category as of December 2020. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. Branch Pre-approval. And you can use it wherever Visa is accepted. Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, your credit history, your 5/24 status, your income, and even your existing Chase accounts could all impact your approval chances. Both pre-approved and pre-qualified credit card offers have no effect on your credit standing. Some consumers may receive a pre-qualified offer in the mail. It’s how we make money. But your approval chances may not be very good. Chase credit card pre-approval offers are those that are typically given in-branch but you can also receive mailers with pre-approvals. Credit card pre-qualification, also called pre-approval, is a great way to get a feel for your chances of being approved by a particular issuer. You could prequalify for one of our many loan options, and you can feel confident in your home financing decisions with step-by-step guidance from an experienced Chase Home Lending Advisor. How do I prequalify for Chase credit cards? 01/11/18. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. With Chase Auto you can apply for financing and arrive at the dealership knowing exactly how much you can spend. Check out our top picks of the best online savings accounts for December 2020. And getting pre-approved means you have a roughly 90% chance of actually getting approved for an account when you officially apply. The actual process is simple. After you submit your application, the Chase credit card prequalify process will produce a list of pre-approved Chase cards you're likely (but not guaranteed) to qualify for. Chase only performs a soft credit check when you use its pre-qualification tool, and that doesn't impact your credit score. It's a good idea to apply for a smaller number of credit cards, but ones that you have a better chance of being accepted for. The Ascent does not cover all offers on the market. You can get approved for it with bad credit. Specifically, use the general Chase credit card prequalify application. Chase Credit Cards, @WalletHub With a Chase pre-approval, you have a very high chance of success if you apply for that Chase card. Please review its terms, privacy and security policies to see how they apply to you. In any case, you’ll get a special “invitation number” to use when applying. The Chase Sapphire Preferred® Card also requires excellent credit but may be slightly easier to get than its more-expensive sibling.Â, The Chase Sapphire pre-qualify process is the same as it is for any Chase card. To start, sign up and go to, check your latest credit score for free on WalletHub. To start, sign up and go to … read full answerhttps://wallethub.com/free-credit-score/. Step 1: Go to the Chase prequalification tool and enter your details. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. In some cases, you may get pre-approved for a Chase credit card without any action on your part. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. We do receive compensation from some partners whose offers appear on this page. A good rule of thumb is to check out the Annual Percentage Rate when comparing mortgage lenders. Hard credit checks do cause a small credit score drop. NerdWallet will find the best credit card that you pre-qualify for. To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for​. But pre-approval is still a good first step. You can always go to a branch and ask around, but it's quicker to just check their website. You’ll get a better idea of your approval odds, minimizing the risk of a hard pull to your credit coupled with a denied application. Pre-approved means you'll definitely get the card, they already approved you. Chase, like other major credit card issuers, mails pre-approved offers to people who meet the general criteria they’re looking for in a cardholder. When you pre-qualify for a Chase credit card, that means you have a solid chance of approval. In addition, it is not any company’s responsibility to ensure all questions are answered. There's no effect on your credit during the Chase pre-approval or pre-qualification process. You cannot fill out a Chase credit card prequalify application for only the Chase Sapphire cards. Enter your name, address, and the last 4 digits of your Social Security number. I've been with Chase for 5 or 6 years & never had a CLI or an offer for another card... @robert.stark We have not reviewed all available products or offers. How do I get pre-approved for Chase Freedom? Then again, I got approved for the CSP on 6/24 not too long ago, but with an existing Chase banking relationship, high deposits and decent income. This question is about You might have seen an offer letter from Chase in the mail stating that you’re pre-approved for a new credit card. You can closely monitor your credit score without damaging it right here on WalletHub! The pre-approval process is a good way to find out which Chase cards fit your qualifications.Â. With Chase’s prequalification process, you can see your chances of credit card approval without affecting your credit score. And there is no minimum to redeem for cash back. If you’re looking for a card that can be used for anything, the. Wallethub doesn’t charge for this service. Find answers to the most frequently asked questions about Chase Auto Finance and the Chase Auto Preferred program. Rather than filling out a complete credit application for a specific card, which will automatically result in a hard credit pull, credit card pre-qualification involves a less formal look at your credit. The Chase Freedom Flex℠ -- and its sibling, the Chase Freedom Unlimited® -- aren't as hard to get as the Chase Sapphire cards. Checking for Sapphire Preferred pre-approval allows you to assess your odds using only a soft inquiry, which doesn’t affect your credit score. Standard message rates apply. 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