You can easily check your Chase credit card pre-approval status online. The tool on Chase’s website will tell you which, if any, Chase credit card you’re pre-approved for. And getting pre-approved means you have a roughly 90% chance of actually getting approved for an account when you officially apply. You can also inquire about a Chase credit card pre-approval review at any Chase Bank branch. Or you might simply receive a pre-approved offer in the mail. In any case, you’ll get a special “invitation number” to use when applying.
Online is naturally the fastest and most convenient method. But we’ll explain all three options in greater detail because there are some specifics you should be aware of.
Here’s how to get Chase credit card pre-approval:
Online. You can see any and all Chase cards you’re pre-approved for in a matter of minutes. Just go to Chase’s pre-approval page and enter your name, your address, and the last four digits of your Social Security Number (SSN). Then click the box acknowledging you understand that you’re not applying for a card and that this check won’t hurt your credit. Lastly, click “Find My Offers,” and you’ll see any cards you’ve been pre-approved for. If you see something you want to apply for, you’ll be able to do so immediately. It’s very likely you’ll be approved if you were pre-approved, but it’s not guaranteed.
Branch. Go to your local Chase Bank branch and ask the teller about credit card pre-approval. If you’re not a Chase customer already, you’ll have to give the same information that you would for the web check.
Mail. Chase, like other major credit card issuers, mails pre-approved offers to people who meet the general criteria they’re looking for in a cardholder. If you receive one, you can fill out the enclosed application and send it back to Chase. Or, you can apply online using the “invitation number” provided. But keep in mind that this only allows you to see one offer, whereas the other methods allow you to see multiple cards that you can apply for.
Chase credit card pre-approval can be very helpful, allowing you to avoid applying for cards that you have no chance of being approved for, minimizing the number of hard inquiries on your credit report, and saving you time searching for the right card for your needs. But it’s worth noting that all of Chase’s credit cards currently require at least good credit for approval. So you may want to check your latest credit score for free on WalletHub, too.
The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
Pre-approved and pre-qualified credit card offers both indicate that a potential credit card applicant is likely to be approved. The terms are often used interchangeably, but their exact definitions are a bit different. A pre-approved credit card offer is when a credit card issuer proactively browses someone’s credit history and decides that he or she is likely meet the requirements for one of its cards. A pre-qualified credit card offer is when someone asks a credit card company to take a preliminary look at his or her credit history to gauge the likelihood of approval if an application is submitted.… read full answer
Both pre-approved and pre-qualified credit card offers have no effect on your credit standing. They only use a harmless “soft pull.” But if you decide to apply after being pre-qualified or pre-approved, the issuer will do a “hard pull” of your credit, which will temporarily lower your score.
Pre-approved vs. pre-qualified credit cards:
Pre-Approved Credit Cards
Pre-Qualified Credit Cards
How to Get
Receive an offer in the mail
Top 12 issuers
9 of 12 top issuers
Pre-approved and pre-qualified offers generally provide an 80% - 90% chance of approval. On the other hand, if you get a “pre-selected” offer, it means you fit some general criteria established by the issuer and have around a 70% chance of approval. Lastly, an “invitation to apply” gets sent out based on demographics, not your credit. Such offers have lower acceptance rates because they’re sent to large groups of people and are not as targeted.
Whenever you apply for a credit card, a hard inquiry is performed. The more hard inquiries made on your credit report, the more your score is likely to go down since it shows potential lenders that you're desperate for credit. It's a good idea to apply for a smaller number of credit cards, but ones that you have a better chance of being accepted for. You can closely monitor your credit score without damaging it right here on WalletHub! Our tool uses a soft inquiry system, which does not affect your score. To start, sign up and go to … read full answerhttps://wallethub.com/free-credit-score/.
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