Author Topic: Chase 5/24 Loophole: Pre-qualified Offers  (Read 6227 times)

Offline talkitup90

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Chase 5/24 Loophole: Pre-qualified Offers
« on: June 23, 2016, 03:12:02 AM »
I recently went into a Chase branch with the intention of applying for a pre-qualified / pre-approved card on the spot. Like most of us here, I'm way over 5/24.

Unfortunately, the banker told me he could only have me apply for the CSP, Freedom or Slate (*maybe checking if I was pre-qualified, but perhaps he didn't even really get that part) and that for other cards, such as the UMPE, I would just have to apply online.

Does this seem right? Can I actually not be pre-qualified in branch for non-Chase branded cards, in order to get past the 5/24 rule?

Offline Yhgfkj

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #1 on: June 23, 2016, 03:20:16 AM »
is it confirmed that  pre-qualified / pre-approved in branch offers bypasses 5/25 rule ?

Offline Elite1

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #2 on: June 23, 2016, 07:13:00 AM »
is it confirmed that  pre-qualified / pre-approved in branch offers bypasses 5/25 rule ?

According to doc yes

Offline pixi

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #3 on: June 23, 2016, 07:37:18 AM »
is it confirmed that  pre-qualified / pre-approved in branch offers bypasses 5/25 rule ?
Not in my experience.
money doesn't talk......      it SCREAMS !

Offline emjee

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #4 on: June 23, 2016, 07:45:00 AM »
Not in my experience.
+1 so far

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #5 on: June 23, 2016, 08:40:42 AM »
You can be pre qualified in branch for Chase branded cards and United.

Offline maxie m

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #6 on: June 23, 2016, 09:04:42 AM »
Dumb people learn from their own mistakes,smart people,from the mistakes of others

Offline tzifanya54

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Offline real-brisker

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #8 on: June 23, 2016, 10:51:54 AM »
I applied for a pre qual - and got rejected for 5/24

Offline unclesam

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #9 on: June 23, 2016, 01:42:46 PM »
I applied for a pre qual - and got rejected for 5/24
+1 for the ink

Offline Buruch

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #10 on: June 23, 2016, 03:00:18 PM »
I got csp. You have to be a prime candidate for auto approval though. Limited cards with chase, low credit with chase, and not many recent apps.

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #11 on: June 23, 2016, 04:00:29 PM »
Both myself and my wife got rejected on 2 separate pre-qualified ink plus offers because of 5/24

Offline talkitup90

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #12 on: June 23, 2016, 04:16:39 PM »
You can be pre qualified in branch for Chase branded cards and United.

Thanks. I hope that's the case. The banker at my branch insisted they could only see pre-quals for Chase cards. I specifically mentioned the UMPE and they said I had to apply online.

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #13 on: June 23, 2016, 07:30:18 PM »
Thanks. I hope that's the case. The banker at my branch insisted they could only see pre-quals for Chase cards. I specifically mentioned the UMPE and they said I had to apply online.
Not true, unless it changed recently.

Offline GettingReady

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #14 on: June 23, 2016, 10:00:35 PM »
is it confirmed that  pre-qualified / pre-approved in branch offers bypasses 5/24 rule ?

FTFY. I went to a branch 4/5 to apply for a checking/savings account, was told I was pre-approved for the Freedom Unlimited. Application approved with over 20 cards in less than a year.

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #15 on: June 23, 2016, 11:43:21 PM »
got approved for pre qualified chase sapphire after 5/24

Offline doctorofcredit

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #16 on: June 24, 2016, 12:19:18 AM »
According to doc yes

It's not 100% that you will be approved, just that people way over 5/24 HAVE been approved (big difference IMO). I also think some bankers aren't actually doing the proper pre-approved check, it seems that people that don't initiate the request to check for offers are more likely to be approved - where as people that ask are less likely. Not sure how that works, but my suspicion is that sometimes it'll pop up with a pre-approval offer when they are looking at your account and those are getting around 5/24.
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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #17 on: June 24, 2016, 12:23:20 AM »
It's not 100% that you will be approved, just that people way over 5/24 HAVE been approved (big difference IMO).
What does that prove? People using the regular online app have also been approved being way over 5/24.
Plenty of data points on both sides to negate any meaning.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #18 on: June 24, 2016, 06:26:12 AM »
What does that prove? People using the regular online app have also been approved being way over 5/24.
Did they check to see if they were preapproved first?

100 people use the regular online app and 15 are approved with being over the 5/24. What if those 15 were preapproved but never checked first. Might be a possibility but then again maybe not.  :)
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Re: Chase 5/24 Loophole: Pre-qualified Offers
« Reply #19 on: June 25, 2016, 12:53:16 AM »
What does that prove? People using the regular online app have also been approved being way over 5/24.
Plenty of data points on both sides to negate any meaning.

On the Chase Branded cards? I hadn't seen any of those without CPC online, but possible I just missed them.
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