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For those looking for a Chase credit card, filling out a credit card application can be nerve-wracking, wondering if you’ll be approved. Many of Chase’s most popular cards are only for applicants with the highest credit scores, so those who fluctuate between score ranges may want to avoid a hard pull on their credit.
Luckily, there is one way to improve your chances of being approved for a Chase card. Pre-qualified offers let you know in advance if Chase will accept your application. There are a few things to know about getting an upfront offer for a Chase card; Read on to find out more.
Top Cards Chasing Prequalified Offers
|Cashback at a fixed rate
Pursuit of Unlimited Freedom®
Chase Sapphire Reserve®
Pre-qualify for cards in your Chase account
Chase recently retired its public prequalification tool and does not promote prequalified offers on aggregator tools like CardMatch, but you can still check out targeted offers directly on the issuer’s website if you are an existing cardholder.
To see if you’ve been selected for any pre-approved offers, simply go to “open an account” on your desktop or mobile account, select “only for you” and view offers targeted at you.
Other ways to pre-qualify for Chase cards
In many cases, you can get a pre-qualified offer from Chase without checking online. One way is to visit a bank branch and request any pre-qualified offers. You will be asked to provide similar personal information for online services. In addition, you may receive a targeted, pre-screened offer for the Chase card in the mail.
Increase your chances of pre-approval
If you don’t have pre-qualified Chase credit card offers in any of these ways, you can improve your chances of getting a pre-verified offer by following these tips.
Work on your credit history
For those hovering on the edge of the card’s credit score requirements, you can work to improve your score before you apply for the card. Do this by making all your payments on time and in full, and by maintaining a low credit utilization rate.
Your credit usage is the second most important factor in the breakdown of your FICO score, accounting for 30 percent of it, and is the balance on your credit card relative to that card’s credit limit—or, if you have more than one credit card, the total the sum of your combined balances in relation to the total credit limit of your cards.
Your credit usage shows lenders how you are using your available credit. If your ratio is low, it indicates that you are managing your credit well, and if it is high, the lender may be worried that you are borrowing more than you can repay.
Keep personal information up to date
If you’re already a Chase customer, keep up to date with information that could affect your chances of being approved, such as your income. By demonstrating that you will be a responsible cardholder, you will increase your chances of receiving a prequalified offer.
Pre-qualification does not guarantee approval
If you are pre-qualified for the Chase card, this does not necessarily mean that you will be approved. There is always a small chance that your application will be rejected.
However, your chances improve significantly when you prequalify because you know you meet the credit requirements for that particular card. For those who worry about their reputation being tough and then getting rejected, pre-qualifiers are a great way to maximize your chances of getting the best card for you.
One last thing to note: applying for a Chase pre-offer is not a way to get around the 5/24 rule. Historically, some Chase cardholders have noted that targeted mail or online credit card offers have not increased their 5/24 reputation. However, this has not been verified and prequalified proposals do not fall into this category.
Those looking for a Chase credit card can take advantage of checking out their pre-qualified offers. You will get a better idea of your chances of being approved, minimizing the risk of getting a hard loan combined with a rejected application.