chase pre approval reddit - Brave Search

Chase pre-approved - but will I really be approved for these cards?

reddit.com › r › CreditCards › comments › 1m9wbkm › chase_preapproved_but_will_i_really_be_approved

How old is your Discover card and what is the limit on it? If you've got > 12 months of revolving history on that card, you have a good shot at the core products from Chase. If the limit on it is in the ballpark of $5000 (the minimum starting limit for the CSP) you'd have a shot at that too, but with only $10k income I wouldn't be surprised by a denial there. Be aware that AU accounts are often discredited by lenders, because they are well aware that they aren't actually your accounts and are artificially inflating your scores. Essentially that 820 FICO score means nothing since 75% of the accounts contributing to it aren't yours. Answer from BrutalBodyShots on reddit.com

reddit.com › r/creditcards › chase preapproval tool is back!

r/CreditCards on Reddit: Chase Preapproval tool is back!

November 18, 2025 -

https://creditcards.chase.com/check-for-preapproved-offers

Friendly reminder to not click on random links you find on Reddit and put in your sensitive information on the website. Just Google for Chase preapproval, make sure you’re not clicking on an ad, and then use the preapproval tool.

If I'm 5/24 then no point of even doing this right? Just 6-7 more weeks til January!

reddit.com › r/creditcards › chase pre-approval tool is available (5/2025)

r/CreditCards on Reddit: Chase Pre-approval tool is available (5/2025)

May 6, 2025 -

It is up again after about half a year going silent.

Link for convenience, but don't click on a random reddit link for financial product as a reminder.

Edit: Some people report the link is intermittently inaccessible, and I agree. Try changing browsers, IP addresses, and some work, some don't.

And… it’s gone

I did this two nights ago and was not pre-approved for a single card, but then decided to go for the Sapphire Preferred since the sign-up bonus was crazy. Got approved with a $8500 credit limit, so I wouldn't put too much faith in the tool haha.

reddit.com › r/creditcards › chase pre-approved - but will i really be approved for these cards?

r/CreditCards on Reddit: Chase pre-approved - but will I really be approved for these cards?

July 26, 2025 -

I'm a 23 year old full-time college student. Current cards are Discover, and as an authorized user, Citi DoubleCash, Chase Sapphire Preferred and Chase Freedom Unlimited.

Income is $10K/year. FICO 820.

Chase's pre-approval site shows I'm pre-approved for Freedom Unlimited, Sapphire Preferred and Sapphire Reserve. Anybody know the likelihood of actually being approved for any of these cards?

How old is your Discover card and what is the limit on it? If you've got > 12 months of revolving history on that card, you have a good shot at the core products from Chase. If the limit on it is in the ballpark of $5000 (the minimum starting limit for the CSP) you'd have a shot at that too, but with only $10k income I wouldn't be surprised by a denial there. Be aware that AU accounts are often discredited by lenders, because they are well aware that they aren't actually your accounts and are artificially inflating your scores. Essentially that 820 FICO score means nothing since 75% of the accounts contributing to it aren't yours.

If your discover is more than 12 month. You will be approved. You have a low income, but you could states more of your parent’s income. If I were you I will state 30K of anual income. I have 16 CC and never asked for proof of income.

reddit.com › r/creditcards › chase pre-approval tool is back

r/CreditCards on Reddit: Chase Pre-Approval Tool is Back

November 21, 2024 -

https://secure.chase.com/web/oao/application/card?cfgCode=PREAPPROVEDCONCC_REACT&flowVersion=REACT&cellCode=66DL#/origination/preapproved/index/index

Anyone know why it tells me I’ve opted out of pre-screen offers? I don’t recall ever doing so 🥲

Their tool has never generated offers for me. But my credit profile is strong, as long as I'm 5/24, I apply and I've always been approved. But if it does give you an offer, go for it! I tend to put more emphasis on the offers generated on a fussier bank like capital one

reddit.com › r/chase › was told i was pre-approved for a chase credit card. application hit my credit score for 28 points! still denied.

r/Chase on Reddit: Was told I was pre-approved for a chase credit card. Application hit my credit score for 28 points! Still denied.

March 16, 2025 -

They said I didn't have enough accounts. It was my first time ever applying.

Total hit in the gut. Nobody taught me about credit when I was younger and I've been working my ass off to get it over 600 for over a year. Boom most of it gone. If they don't reconsider tomorrow I will be closing my bank account and moving elsewhere.

Pre-approval meets initial requirements. Once you apply they actually look at your credit score and report info. There can be a lot of change between the pre-approval and the actual application.

I allowed a friend to co-sign on one of my cards and I never gave him the card or told him the number. I keep the limit under $1K so even if he were to look it up on his own and try to use it, it wouldn’t kill me, and thankfully our friendship was much stronger than that. I’d use it for small things and pay it in full each month. His FICO went up over 100 points in about 6 months and he was then able to open his own card. I don’t recommend this to everyone, but it’s a method that could work for some people who have new or no credit and wish to build it.

reddit.com › r/creditcards › got pre approved for a bunch of chase cards.. help me choose 1

r/CreditCards on Reddit: Got pre approved for a bunch of chase cards.. help me choose 1

October 8, 2024 -

Been doing a lot of work lately on my credit and I’ve successfully gotten my score up to around 660 with some pretty excellent payment efficiency and total balances.. my main bank, Chase, has pre approved me for 5 different cards.

Sapphire preferred Sapphire reserved Freedom Unlimited Freedom Flex Slate Edge

I basically do my every day spending on credit cards and I always pay my balances on time. I do travel a few times a year (hotels, sometimes fly) and would probably be more incentivized to do so if I were to get one of the travel cards. I’m just wondering if the sapphire reserved would be worth it if I’m only going to be traveling maybe once or twice a year, or If the freedom unlimited card is better for me as just a daily card with good cash back. I guess I’m just looking for some general information on these cards.. specifically the sapphire preferred and the freedom unlimited since those are the two I’ve narrowed it down to. Unless someone can sway me!! Thanks

Reserve, no. Preferred for the occasional traveler, definitely. Unlimited is meh. Flex quarterly bonuses are very good.

Freedom unlimited or CSP.

reddit.com › r/creditcards › chase pre-approval tool accuracy?

r/CreditCards on Reddit: Chase Pre-Approval Tool Accuracy?

May 10, 2024 -

I just went to the Chase pre-approval site and it seems to show me as preapproved? it has offers for me and im just not sure how reliable it is or if im misunderstanding it. after putting in my info i get a screen that says "choose one of your pre-approved offers" and it shows me the slate edge, both freedom cards, both sapphires. the problem is my score should not qualify me for any of these cards so i dont want to be naive and apply when i am sure i should be denied.

my current scores are: EQ: 644. TU: 661. Ex: 627. income $70k. 12 total accounts. 4% utilization 2 collections (1 on experian) and 2 student loans from 6 years ago. im still trying to repair my credit but i really want to get a chase card at some point. any tips? ill provide more info if needed im still somewhat new to credit i just started rebuilding 7 months ago.

UPDATE: went to chase to open a checking account and the banker said I was approved for every card. Applied for the sapphire preferred and got approved for $5K 😇😤🫡

Congratulations! Interesting DP. I too have a “dirty” file but I have a CFU and a checking account with Chase. Good to know the door is still open for me to get more Chase cards

I detected that your post may be about utilization and its impact on credit score. Please read the info below: Ignore the 10/20/30 utilization %. It’s only applicable when you need to apply for a new line of credit, 1-2 months out. Utilization is suppose to fluctuate, can be easily manipulated, and holds no memory. It doesn’t build credit--think of it as a finishing touch when you need to optimize your score. Feel free to safely and organically use 100% of your credit limit within a month and let whatever utilization report, provided you pay off your statement balance in full before due date. Every month. Every time. For more info, please read this post: Putting the "30% rule" myth regarding revolving utilization to rest Credit Card Basics - Utilization I can be summoned to comment by using command(s): !utilization Sometimes my comment may not pertain to your post. If this is the case, please ignore this and downvote it. I am constantly improving my detection algorithm. I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

reddit.com › r/creditcards › chase freedom unlimited preapproval

r/CreditCards on Reddit: Chase Freedom Unlimited Preapproval

May 13, 2020 -

I got an email earlier today saying I was pre-approved for the Chase Freedom Unlimited card. However, when I visited Chase’s pre-approval page it showed no offers for me. Is this just marketing? Should I apply through the link or is it better to wait it out?

EDIT: I logged into my Chase account and went to the "Credit Cards" tab. There is a list of credit cards with some of them having a green banner saying "You're already approved". Has anyone had any experience with this? Is this a guaranteed approval?

EDIT 2: For anyone interested, I was able to get the card right away after logging into Chase, going to the "Just For You" tab, and applying for the CFU in there. They just asked for my income and approved me on the spot. I had other offers as well like the CSR, CSP, and Southwestern but they were taken away once I got approved for the CFU. Hopefully, they come back again so I can aim for the Chase Trifecta.

Preapprovals are frequently just marketing. But the lack of one on chase’s tool also means close to nothing. If you want the card go ahead and apply.

Does it have a special link or code with it to sign up? If not it's probably just an advertisement.

reddit.com › r/creditcards › chase's banner saying "you are already approved" is misleading.

r/CreditCards on Reddit: Chase's banner saying "You are already approved" is misleading.

January 19, 2024 -

Both me and my wife bank with Chase.

2 weeks ago, on my wife Chase's account, there was a banner saying that she wife was "already approved" for the Freedom Unlimited for a $9,000 credit line, so she applied, and surprise, she got instantly rejected, and got a hard inquiry on Experian. A couple of days later, we received a letter saying something like “You have too many credit accounts”. My wife only has 2 credit cards (1 from local credit union, and the other one is the Chase Sapphire Preferred), and she is an AU of 2 of my credit cards. We called reconsideration line, and they were able to approve the card, however, the credit line was only $5,000, and we asked why not $9,000 and they just said that they can't offer that at the moment.

I also had that same banner showing up on my account for the Freedom Flex and the Sapphire Preferred, with $9,000 credit line, so 2 days ago I decided to apply for the Freedom Flex, and surprise, now I got that they couldn't make a decision at the moment and need to review my application, and will let me know their decision in 7-10 days, and I got a hard inquiry on Experian as well, like, WTF Chase!?, wasn't I already approved!?

Update 1: My application just got rejected too 😡. I’m going to call reconsideration line and see what happens. Wish me luck!

Update 2: I called the reconsideration line, and they said they rejected the application because they couldn’t verify my identity (even though I bank with them lol), so I appealed their decision and then got approved for the freedom flex with a 10k credit line.

So I guess that’s my happy ending. So, after going through this experience, my takeaway is, those "approved" or "pre-approved" banners are BS, but you can still get approved by calling the reconsideration line, but it doesn’t guarantee you will get approved.

Yeah it’s just a marketing tactic

Yeah the Pre-approval is as of a certain date (not necessarily the date you check it) and obviously it's subject to the actual approval process. My app says I'm Pre-approved for every card under the sun, but I know for a fact I'm over 5/24.

Find elsewhere

Google Bing Mojeek

reddit.com › r/creditcards › why would chase tell me "your already approved" for months then i accept the offer & they deny me the card?

r/CreditCards on Reddit: Why Would Chase Tell Me "Your Already Approved" For Months Then I Accept The Offer & They Deny Me the Card?

April 22, 2025 -

Doesn't make sense to me. Every time I log into the banking app (I bank with Chase) there's a new notification (6 total) of credit cards stating "you're already approved". I didn't *need* the card but figured wtf it'll help me get my credit better (score is 741) since I only have one Citi card right now with a $8,400.00 limit.
So I accept the offer last night, get denied today and take a hit for the hard pull. That's wack.
They said it was the length of credit history and no loans being paid back. I don't have any debt. I have 1% utilization on my credit. I figured they would know most of this before I applied & took a hit for the hard pull.

It’s all marketing which loses out to underwriting every time.

Call the reconsideration line and ask

reddit.com › r/creditcards › is chase in app pre approval true??

r/CreditCards on Reddit: Is Chase in app pre approval true??

March 29, 2023 -

So I’ve been checking my credit across multiple platforms, myFICO, chase, Experian app, capital one, and whatever other means I have available just to see all the different scores I have. In the Chase app I have a 718 score and see a bunch of cards that I’m approved for (southwest, edge, United, sapphire reserved and preferred)

The big question is has anyone been approved in the app, applied for the cards and actually gotten them? (I don’t trust pre-approvals which is why I’m asking)

Would love data points if you were approved

I’ve banked with chase since high school if that’s relevant it’s been about 10 years now.

my first card was the CFF. the app was telling me i was pre approved so i said what the heck and went through the app. immediately approved with 2k limit, less than a year later it was a 6.2k limit.

When I got my CSP, I had a preapproval sitting in the app for months beforehand. Got the card and they didn't even do a pull on my credit for it. $17.8k limit.

reddit.com › r/creditcards › chase's preapproval showed no offers. does that mean it's pointless to apply?

r/CreditCards on Reddit: Chase's preapproval showed no offers. Does that mean it's pointless to apply?

2 weeks ago -

I actually have good credit, but I've applied for 2 cards and 1 loan in the last 6 months. I'd like to get the Freedom Unlimited card, but this is making me think it won't be approved.

Result: Instant approval. I guess the preapproval isn't necessarily a great sign of your approval odds.

Chase’s preapproval tool is somewhat hit or miss. I wouldn’t read too much into it — if your profile is otherwise fine you should be good to get the CFU.

DP: I got approved for CSP with no offers. Tried for a couple times over a month and never got one and just went for it.

reddit.com › r/creditcards › is being pre approved for a chase credit line of $101 just a hoax?

r/CreditCards on Reddit: Is being pre approved for a chase credit line of $101 just a hoax?

November 26, 2024 -

Hey guys. I have been pre approved for 3 chase cc (Freedom Unlimited, Flex and Slate Edge) When I click on the offers through the chase app all of them show me that I have been approved for a credit line of $101. I find it extremely confusing that for the unlimited card, it requires me to spend $500 in 3 months to get a bonus of $200 while the credit line $101. Is this some sort of Automated glitch?

As for my history, I’m young and just 5 months ago became an authorized user on my dad’s flex card. Never had any cc on my own. Yes, I bank with chase on a regular basis.

Should I apply or just wait for a new offer to pop up? Cause I’m really trying to step up from being just an authorized user. Thanks

Update: applied and got approved in the range of $1500-$2000!

To be clear, this is a preapproval display and not the actual credit line Chase has given you? I have never seen a Chase credit line below $500 or not a multiple of $100, so it’s likely a glitch with the algorithm generating the preapproval messages.

Take it. You can swipe $100, transfer 100 to cc and do this multiple times in a month. Once you have a card and pay on time, they will increase your limit over time.

reddit.com › r/creditcards › chase pre approval is back

r/CreditCards on Reddit: Chase Pre Approval is back

September 19, 2023 -

Was looking around and I saw it on their credit cards page. Here’s the link: https://www.chase.com/preapproved?jp_aid=cc%2Fmptarg1%2Fint%2FPRQA%2Fhero&CELL=6FHX

"We can’t find any offers for you right now. This could be because you’ve opted out of pre-screened offers or you’ve recently responded to another offer." idk if I turned those pre-screened offers off or not. But I churn business cards and have been instantly approved for all 3 Chase cards in the last 4 months.

Incredible, I'm pre-approved for Freedom Unlimited!!!! 😂

reddit.com › r/creditcards › chase pre-approval tool not showing any offers

r/CreditCards on Reddit: Chase Pre-Approval tool not showing any offers

June 9, 2025 -

I tried to use the Chase pre-approval tool to see if I could get preapproved for the United explorer card and I got this message:

“We can‘t find any offers for you right now. This could be because you've opted out of pre-screened offers or you've recently responded to another offer. Your credit has not been impacted.”

Could this be because I’ve hit the 5/24 limit? I’ve only gotten 4 cards in the past 24 months, but I did check for preapproval for a card (Amex Gold) but ended up not taking the offer, which Chase might be reading as a 5th application? Or is there a different reason that people usually get it?

My Vantage Score on the Chase app is 764 and I currently have a CSR, Amex BCP, Amex Green, and a Bilt rewards mastercard all in good standing.

If I can’t get the United explorer then I have alternative cards I’m considering like the Alaska Airlines visa card, but I’d prefer the United explorer for the no AF in the first year. My home airport is SEA so Alaska wouldn’t be a terrible choice.

The tool, in general, sucks, and has never shown me a pre-approved offer.

Your Amex application is not impacting 5/24. That is based solely on what appears on your credit report. If you became an AU on a card in the last 24 months, then that could make the automated system think you're at 5/24. Are your credit reports frozen? That will often lead to no offers. If you opened a card very recently, that could do it too.

reddit.com › r/firsttimehomebuyer › chase pre approval

r/FirstTimeHomeBuyer on Reddit: Chase Pre Approval

January 11, 2022 -

How solid is this pre approval ? It seemed so much easier to get Pre Approved through them than the other 2 lenders I worked with. Anyone have any reviews on a pre approval through them?

Short Version I got a pre-approval from Chase in November and used it for a successful offer in December. Got the clear-to-close last night so fingers-crossed we close on-time later this week (and hence get to keep my sweet, sweet 30-year fixed rate vs. the latest increase). Total time elapsed from offer accepted to closing date should be about 30 days. No real drama to speak of...if anything, they've been more on top of things than my title/closing attorney. I did ten pre-approvals; I would say Chase was one of the easier ones to work with. They were also very competitive on interest rate and lender/origination costs. Details While my agent wanted me to use his preferred mortgage broker (who had the worst interest rate and lender costs), he didn't raise any concerns about Chase, other than the fact that they're a big bank and hence a bit impersonal. He did say Chase has a good track record in my area of closing on time. Since there are branches in my state but not my area, they're somewhere between #10 and #15 for purchase mortgage originations in my state. Nationally, they're around #5. He did raise specific concerns about BoA and Wells Fargo. I should add that Chase did seem very detail-oriented with paperwork and making sure all of the "i's are dotted and t's are crossed." They'll definitely ask you for updated documents and more documentation generally when you're under contract on a specific home. But I wouldn't say any of it was unreasonable. They turned around anything I gave them in 48 hours or less (often within a few hours). Admittedly, I also turned around and gave them anything they asked me in 12 hours or less.

I used Chase for my pre-approval and purchase in November and everything went really smoothly. They were really responsive and got everything done on time.

reddit.com › r/creditcards › what are my approval odds for a chase freedom unlimited? or are other cards more recomendable here?

r/CreditCards on Reddit: What are my approval odds for a Chase Freedom Unlimited? Or are other cards more recomendable here?

June 22, 2024 -

Looking at getting a Chase Freedom Unlimited as a gas card and get started on a Chase duo with this and an eventual CSR to take advantage of a new local CSP lounge and plans to travel more.

Are my odds to get approved for Chase Freedom Unlimited strong or is another card recomendable (Visa strongly preferred)

Current cards: C1 Platinum(Product change to Quicksilver pending) Limit $500 (Opened NOV 23) Delta Amex Blue Limit 6k (Opened Feb 24)
FICO Score: TU 713 EFX 719 XPN 719
Oldest account age: 7 months (5 months avg age)
Chase 5/24 status: 2/24
Income: 51k
Average monthly spend and categories:
- dining: $490
- groceries: $190
- gas: $130
- travel: Between 1.5k and 2k per year (I maybe travel 2-3 times per year). But this could change with more income
Open to Business Cards: No
What's the purpose of your next card? Looking for a good Visa card to use at Costco Gas (not a fan of Costco Citi card due to limited flexibility) and would like to establish a relationship with Chase (have never had a bank account with them.
Do you have any cards you've been looking at? CSP/CSR, Southwest cards, Alaska Airlines Card
Are you OK with category spending or do you want a general spending card? Would prefer a card with a dining bonus as this is my largest expense. Gas bonus would be nice but not a deal killer.

Chase typically requires a year of your own credit history before being approved. There are DPs of exceptions, butI’d wait 3 more months before applying.

Check here- https://creditcards.chase.com/check-for-preapproved-offers My 5/24 score was 4/24 with three of those within the past 6 months but also had a Discover It for 1.5 yrs. Got pre approval for $800 on Sunday and got the card today.

reddit.com › r/creditcards › can confirm chase's 5/24 is now gone.

r/CreditCards on Reddit: Can confirm Chase's 5/24 is now gone.

1 month ago -

Edit - Totally understand people are skeptical about bankers' words and I didn't share my card history (too lazy to do that lol). So I would call this my "story" instead of DP to be more appropriate! Read on at your own risk please.

Today I asked a banker in-person that if I have any pre-approval offer he could see on his side. There wasn't any. Then I just casually asked if there's still this rule of 5/24 (thinking I already knew the answer). To my surprise, he said "they had stopped doing that". I honestly thought I heard it wrong or he didn't understand my question?! But no, he further confirmed that change was a total rescind of 5/24 on all Chase credit cards. I immediately applied for a CSR and got instant approval. I'm at 7/24 before this application (all personal cards, no business).

Plus I won’t trust any information provided by an in branch Banker. Truth is most retail bank or customer facing employees don’t know nothing about what’s going on in the backend and will say just about anything. I’ve once been in those shoes before.

Counter-DP. I had a Pre-approval for CSR in the app even though I’m over 5/24. Saw some posts online about in-app pre-approvals bypassing 5/24 for some people and applied. I got a message saying I was ineligible for the welcome offer but could still get the card without the offer. I declined and called reconsideration and was told by the rep that 5/24 is why I couldn’t get the offer. This was on Nov 30.

reddit.com › r/chasesapphire › pre-approved for a chase sapphire preferred card, should i get it?

r/ChaseSapphire on Reddit: Pre-approved for a Chase Sapphire Preferred Card, should I get it?

January 23, 2024 -

Hello, I am a 22 year old college student. I currently have a Chase Freedom Unlimited Card, and I spend a little under $1,000/month besides rent. I pay it off in full most months, and don’t keep a balance for too long.

The limit on my Chase Freedom Unlimited Card is $9800, which is significantly higher than I’ve ever had on it. The only reason I’m considering the Sapphire Preferred is for the benefits. I am planning on taking a vacation abroad this summer after I graduate, which I mention because it could be relevant to the perks and intro bonuses.

I’ve never had a Credit Card with an annual fee, though, and so I’m worried it wouldn’t be worth the money.

Do y’all think that the Chase Sapphire Reserve is worth it, and would it make sense for my situation? Thanks!

This is just for Sapphire Preferred. No is the answer to the Reserve. I don’t know if you’d meet the minimum spend for the sign up bonus is the thing as you seem frugal (and smart). If you travel a bit more, then maybe? $95 isn’t too much though for annual fee, specially with all the card. Just remember this card has no intro 0% APR period, so keep that in mind for expenses. All the said, you would save on Foreign Transaction Fees if you’re going abroad, and those DO add up!

Throw your rent on the card and with your usual monthly spend you should meet the SUB requirements on it. $95 annual fee is pretty good for what you get out of the card. The $50 hotel credit also essentially knocks that fee down to $45. Quite a bargain at that price. The Sapphire Preferred is a great travel card, especially for a first timer. No lounge access but given your life stage and spending I think it will have some more useful bonus categories for you to build up your points with to travel. I was pre-approved in December and am currently spending towards my SUB. Looking forward to building up my points this year and putting them to good use next year for travel. Airline transfer partners are a good way to get higher value out of UR points, and same with Hyatt for hotel transfer partners. You can always make your hotel stays free instead of the flights if you'll get greater value out of the points that way for your needs. Get the card, it will serve you well.

reddit.com › r/chase › pre-approval issues and implications

r/Chase on Reddit: Pre-Approval Issues and Implications

May 18, 2025 -

I am currently a Chase Checking account holder.

My FICO score is 797.

I currently hold an AMEX Platinum, Marriott Bonvoy Brilliant, and Hilton Surpass cards, two Capital One Venture cards, a Citibank American Airlines platinum .

I am currently at 4/24 for new cards.

Approximately 17 years ago, due to a serious extended illness, I defaulted on several thousand dollars of credit card debt with Chase.

Previously, when checking the preapproval tour with Chase, I receive no offers. Now I am receiving an offer for a Southwest Airlines, Chase card and a freedom card.

I would be grateful of someone could help me understand the following:

1.) Does the fact that I am now receiving preapproved offers mean that I could indeed get a Chase card again? If I were eligible for a Sapphire card, for example, would it neccessarily show up in the preapproval tool?

2.) Does the 5/24 rule apply to a business card as well?

3.) does Chase match applicants, even if shown is preapproved, against some sort of “blacklist“ if there was a long past debt?

About #3, I am almost certain that they do

I am a banker at Chase, pre approvals have a pretty high chance of being approved and only are not approved if once the hard pull is done there were things on your report that they couldn’t see with a soft pull (which is what banks use for pre approvals) that would prevent you from qualifying. We definitely are more conservative when it comes to lending, but if you are getting pre approvals that is a good sign. There is however no way to guarantee you will be approved. Also a banker should be able to tell you which cards you are pre approved for if you visit a branch. And business cards will not count towards the 5/24 rule as long as the business is under an EIN and not your SSN. The last thing I will say is another factor that goes in to applications is your relationship with the bank you are applying with. If you have accounts with Chase that helps a lot but if you haven’t had anything with Chase since the credit card debt that could be why it took so long to start getting pre approvals.