Chip Lupo, Credit Card Writer
@CLoop
Yes, Chase does have pre-approval. Chase has an online pre-approval page where potential applicants can quickly check their odds of approval for certain Chase cards before applying for one. Current Chase customers may also receive pre-approved offers periodically by e-mail or when logging into their online account. And in some cases, Chase will send people pre-approved offers for specific cards in the mail.
Getting pre-approved for a Chase card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.
How to Check for Chase Pre-Approval Online
- Click “Check for Offers” on the Chase website.
- Enter your full name, address, ZIP code, income, and your Social Security Number.
- Click “Find My Offers” to view any pre-approved offers.
If you have pre-approved offers, you can apply for the card of your choice directly from the pre-approval site. Simply click the button next to the card you want, and you will be directed to the card’s application page.
To respond to a pre-approved mail offer, visit the website listed in your pre-approval letter and enter the invitation code included with the offer. This allows Chase to flag the application as pre-approved.
Chase pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to apply for any Chase card, Chase will conduct a hard inquiry, which might lead to a small, temporary decrease in your credit score.
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What are the Chase credit card requirements for approval?
The minimum Chase credit card requirements include being at least 18 years old, having a good credit score of 700 or better, and earning enough income to afford monthly bill payments. You also need to have a Social Security number or International Tax Identification Number. Some requirements may vary depending on the card.
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You need a credit score of at least 700 - 750 for a Chase credit card, depending on the card. Chase credit cards are available to applicants with credit scores ranging from good to excellent credit.
If your credit score is below the threshold needed for a Chase credit card, it’s best to wait to apply until you meet the credit score requirement. You can check your credit score for free on WalletHub.
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You can verify your Chase credit card on your phone by calling Chase at (800) 432-3117 or by opening a browser on your phone and going to the Chase credit card verification page. Once your card is verified, or activated, you will be able to use it immediately.
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