Chase offers some of the best reward credit cards available, but getting one qualifies is not always easy. Most Chase Credit Cards require excellent credit to excellent credit for approval, and the Chase 5/24 rule limits the number of new cards that consumers can open within a specific time frame. In other words, if you open more than five credit cards from the issuer in the last 24 months, it is unlikely that you will be approved by your new Chase Card.
Luckily there are several ways to check if your tracking credit card is pre-equipped. Chase provides tools for its website, making it easy to see the status before and after your credit card offer. For existing Chase Cardholders, you can also receive targeted offers directly through your online account or via email. Alternatively, Bankrate’s CardMatch™ tool can help you identify which offers are approved.
Pre-qualification and pre-qualification for tracking credit cards
Understanding the difference between pre-authorization and pre-qualification of tracking credit cards can help you navigate the application process more effectively.
Pre-qualification It includes a soft credit check that provides estimates of qualifying credit card options based on the basic information provided. It does not guarantee approval or sets the terms of the offer with stones.
on the other hand, Before approval Shows Chase has conducted a more thorough review of its credit profile. Pre-approved means meeting certain criteria set by Chase. This increases the likelihood of approval when you submit a formal application. It also provides more specific details about the terms of the offer, such as credit restrictions and APRs.
How to be approved in advance for tracking cards
Please note that Chase only conducts soft inquiries on credit reports to see if you are prequalified for a card offer. Unlike harsh inquiries that can negatively affect your credit score, soft surveys do not affect your credit score.
Additionally, don’t forget that pre-qualified chase offers do not guarantee card approval. This step shows you are likely to be eligible for a tracking credit card based on your income, credit history and other factors. To obtain a Chase Credit Card, you must apply for a specific card of interest. This includes hard credit checks.
On the Chase website
Getting pre-approval for a Chase Credit Card is as easy as checking the issuer’s website to see which cards are approved. On this page, please enter your personal information such as your last name, street address, and social security number. Next, click “Find My Offer” to see if you have a card you have previously approved.
It is important to note that Chase may delete the PREAPPROVED offer page, complicating the process of checking offers. But it’s not impossible if you know where to look.
Through a tracking account
For existing chase card holders, once you’ve logged in to your account, you can view your approved credit card offers. To do this, follow these steps:
- Log in to your Chase account via desktop or mobile.
- Click “Explore Products” in the main navigation menu.
- Select “Just for You” to view the current target offers from Chase.
- Please refer to pre-qualification for credit card.
In your mailbox
In addition to targeting current users via Chase accounts, Chase is also known for reaching out to potential cardholders through regular emails. Keep alerts to emailers promoting popular chase cards and make sure you look for prequalified languages.
CardMatch Offer
Another way to determine whether to prequalify for one of the issuer’s credit cards is to use Bankrate’s CardMatch™ tool. Like other prequalification tools, CardMatch performs soft pulls on credits. This means that it will not affect your credit score.
This tool will provide basic information such as your name, street address, employment status, income, email address, and the last four digits of your Social Security number. It will then match eligible card offers from various issuers, including Chase.
The main advantage of taking this route is that even if you don’t qualify for a chase card, you may still find offers from another issuer that is better for you. Please note, however, that CardMatch pre-approved offers do not guarantee that your card will be approved upon application.
Best Chase Cards for Pre-Acceptance
There are many top chase credit cards you are targeted or may be pre-approved, including:
Chase Sapphire Preferred and Chase Sapphire Reserve are great for consumers who want to earn flexible travel rewards (or extravagant travel perks), while Chase Freedite and Chase Freedom Flex is good for those who want to earn cashback without paying an annual fee. Chase Slate Edge, on the other hand, is perfect for consumers who are interested in transferring balances or repaying large purchases over time.
How to increase the likelihood of pre-approval of tracking cards
There are several steps you can take to prequalify for a tracking credit card and increase your chances of being approved.
- Please check your credit score. Please check your credit score before applying for a credit card. As for Chase, you need at least a good credit (670 or more) to qualify for cards like Chase Freedom Unlimited, Chase Freedom Flex, and Chase Slate Edge. To qualify for Chase Sapphire Preferred and Chase Sapphire Reserve, you may need to have a very good credit (800 or more) (740 or more) for excellent credits (800 or more). However, if your credit score is in a very good range to a good range, you have the best odds of approval for your Chase Card. If your credit score is below this range, you may need to improve your credit before qualifying for a Chase Card.
- Pay your invoice early or on time. Payment history is the most important factor when determining your FICO score. Paying all your bills early or on time is a sensible way to maintain a good credit score.
- Keep your credit usage low. The second most important factor that makes up your FICO score is credit usage, or the amount you owe in relation to your credit limit. It is usually best to keep your credit usage below 30%, but there are no strict rules to guarantee success.
- Count all household incomes with the application. Individuals over the age of 21 can list their household income when applying for credit. This is useful for spouses who are not at home or working but have access to income from other places. With that in mind, make sure your credit card application lists not only your personal income, but also your household income.
- Don’t apply too many credit cards for a short period of time. Finally, remember that if you have recently applied for many new cards, you will rarely get approval for your Chase Credit Card. If you have obtained more than 5 new cards in the last 24 months, you may need to wait at least a year to apply for the required Chase Credit Card.
What if I don’t get approved in advance?
If you don’t get approval right away, there are still a few steps to improve your chances of getting a chase card in the future. First, check your credit report to ensure there are no errors or inconsistencies that may have affected your decision.
You can also explore other credit card options that may well match your current financial situation and credit profile. Research various credit card issuers and their offerings to find the one that suits your goals and needs.
If necessary, you can also contact Chase’s customer service for details on the application process and the potential reasons behind the pre-approval lack.
Conclusion
Once approved in advance for your Chase credit card, you can assess the likelihood of approval without any rigorous inquiries about your credit report. Please note, however, that Preapproval does not guarantee you will receive the required cards.
So, should you be approved in advance for a tracking card? If you plan to apply for a card anyway, there’s nothing to lose. Don’t forget that you will receive a hard credit inquiry every time you apply for your card. Your credit score is small, but you need a temporary hit. Therefore, using the pre-approval process is a sensible way to measure the likelihood of approval without affecting your credit score.
* Information about Chase Freedom Flex and Chase Slate Edge is collected independently by bank rates. Card details have not been reviewed or approved by the issuer.
