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How to get preapproved for a Chase card
For those in the market for a Chase credit card, it can be nerve-wracking to fill out an application wondering if you’ll be approved. How to get preapproved for a Chase card Many of the most popular Chase cards are limited to applicants with top credit scores, so those hovering between score ranges might want to avoid a hard pull to their credit. How to get preapproved for a Chase card
Luckily, there is one way to boost your chances of getting approved for a Chase card. With prequalified offers, you can know ahead of time if Chase is likely to accept your application. There are a few things to know about getting a prequalified offer for a Chase card; read on to learn more. How to get preapproved for a Chase card
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Prequalify for cards on your Chase account
Chase recently retired its public-facing prequalification tool, and it’s not promoting prequalified offers on aggregator tools like CardMatch, but you can still check for targeted offers directly on the issuer’s website if you are an existing cardholder. How to get preapproved for a Chase card
To see if you’ve been selected for any preapproved offers, just navigate to “open an account” in your desktop or mobile account, select “just for you” and browse offers targeted to you.
Other ways to prequalify for Chase cards
In many cases, you can receive a prequalified offer from Chase without checking online. One way is to visit a branch of the bank and ask for any prequalified offers. You’ll be asked for similar personal information to online services. Alternatively, you might receive a targeted, prescreened offer for a Chase card in the mail. How to get preapproved for a Chase card
Boost your chances to get preapproved
If you don’t have any prequalified Chase credit card offers from either of these avenues, you can boost your chances of snagging a prequalified offer by following these tips.
Work on your credit score
For those hovering on the edge of credit score requirements for a card, you can work to boost your score before you fill out a card application. Do this by making all your payments on time and in full and keeping your credit utilisation ratio low. How to get preapproved for a Chase card
Your credit utilisation is the second most important factor in your FICO score breakdown, accounting for 30 per cent of it, and represents the balance on your credit card relative to that card’s credit limit — or, if you have more than one credit card, the total of your combined balances relative to your cards’ total credit limit.
Your credit utilisation shows lenders how you use your available credit. If your ratio is low, it indicates you’re managing your credit well, while if it’s high, the lender might worry that you’re borrowing more than you can pay off. How to get preapproved for a Chase card
Keep personal information up-to-date.
If you’re already a Chase customer, be sure to continually update information that can affect your approval odds, such as your income. By demonstrating you will be a responsible cardholder, you boost your chances of being targeted for a prequalified offer. How to get preapproved for a Chase card
Prequalifying does not guarantee approval
If you’re prequalified for a Chase card, it doesn’t necessarily mean you’ll be approved. There’s always a small chance that your application will be denied. How to get preapproved for a Chase card
Nevertheless, your odds are significantly improved when you prequalify, as you know you meet the credit requirements for that particular card. For those worried about suffering a hard pull to their credit only to be denied, prequalified offers are a great way to maximise your chances of scoring the best card for you.
One final thing to note: Applying for a prequalified Chase offer is not a way to bypass the 5/24 rule. Historically, some Chase cardholders have noted that targeted credit card offers by mail or online didn’t add to their 5/24 standing. However, this is not confirmed to be true, and prequalified offers do not fall under this category. How to get preapproved for a Chase card
Bottom line
Those seeking a Chase credit card can benefit from checking their prequalified offers. You’ll get a better idea of your approval odds, which will minimise your risk of getting a hard pull to your credit coupled with a denied application. How to get preapproved for a Chase card
Editorial Disclaimer
The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.
