Enhanced Chase offers: Apply at your own risk

Over the weekend, we published an update to this post about Chase pre-qualified offers. In short, many more people were seeing pre-qualified black-star offers in a different place in their accounts (under “Credit Cards” in the desktop browser or under “Open an account–>Credit cards” in the app). When those offers include a set APR (that is to say not a range like 18.24%-25.24% but a set number like 22.24%), they have been known to bypass 5/24. That doesn’t mean automatic approval, just that it is possible to be approved for those offers when over 5/24 (and I’d say that anecdotally, it seems that approval has been more likely than not when seeing a set APR). However, it gets a bit more interesting: some folks figured out a pattern and have thus discovered links to set-APR offers on many Chase cards. I don’t know whether or not these offers will actually bypass 5/24. It is important to note that these links were likely not intended to be public. There is therefore certainly some risk in applying and we recommend caution and considering the risk for yourself before applying.

In Greg’s post, Why Chase shutdowns have increased and how to avoid them, he notes that, anecdotally, applying for a new Chase credit card can sometimes be a trigger that causes Chase to evaluate your overall behavior (applications with other banks, spending patterns, etc). In some cases, that may increase the likelihood of a shut down.

In this case, the unknown origin of the links may increase the likelihood of account review further. Chase tends to be less aggressive than Amex in terms of shut down for leaked application links, but we just don’t know how they’ll handle applications through these links and therefore urge caution. Still, after contemplation, it seemed that the proper thing to do is to notify readers that these links exist and allow you to evaluate risk and make your own decisions.

Here is a link to the Ink Business Preferred 160K Offer:

And here is the Sapphire Preferred 70K offer:

If you’re interested in other Chase cards, reader Zz at Doctor of Credit supplied the information last night about how to populate offers for other cards.

Again, the commenter supplying the codes above cautioned twice that he/she thinks these are risky and they certainly may be. On the other hand, we’ve seen non-public Chase links work in the past. Examples that come to mind are so-called “zombie links” that have existed for some cards after they were discontinued — for example, when the Chase Ritz-Carlton card, the Chase IHG Rewards Club Classic card, and Fairmont credit cards were discontinued, there were non-public links that continued in some cases days beyond the date when application links were pulled from Chase’s site. In those instances, I don’t recall shutdown stories. However, in the 2019 environment, it would be prudent to think before leaping. If your other activity is relatively mild (i.e. you’re not applying for tons of cards with other banks and MSing large numbers on Chase cards), my gut instinct is that you may be OK. Whether or not you want to risk your portfolio of Chase cards on a gut instinct is for you to decide. In my case, I don’t think I will use these links to apply as I don’t feel like the long-term risk is worth the short-term reward in my shoes. YMMV.

H/T: reddit user JonLuca via Doctor of Credit

About Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

More articles by Nick Reyes »

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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Andysol
Guest
Andysol

H/T: Doctor of Credit

Or… JonLuca

FlyGuy
Guest
FlyGuy

Lmao at H/T: DoC when DoC himself H/T: JonLuca.

Joel Smithson
Guest
Joel Smithson

Even wearing that horrible fedora was a better decision than releasing this information.

Christian
Guest
Christian

Good to know.

Charles
Guest
Charles

Any datapoints on getting the BA card if you are greater than 5/24. No codes and when I go through the website, it shows me a variable APR.

Matt
Guest
Matt

is that CIP offer even worth it? I mean you could just open 2 cards under SsN and EIN and get the same number of points with 1/5th the spend

Greg The Frequent Miler
Admin

The reason we published this is that these links have been floating around the internet and we believed that the responsible thing to do was to publish our concerns about these links. If we stayed quiet, there would be plenty of people who wouldn’t know the risks involved and might go forward with the links unaware.

In my opinion, Nick did an awesome job of presenting the risks involved here.

Delete the post
Guest
Delete the post

The more it is out there, the more likely it will get emailed to Chase and every single sign up through it will be reversed. Do you really think, now that the information is not out there publicly, you are serving some sort of public interest by keeping it up?

Matt
Guest
Matt

The public interest aspect of it is the warning that using one of these links is risky, so if somebody comes across this information on another site that isn’t as well thought put they may think clicking through the links thinking it is a risk free endeavor.
I do tend to agree with one of the other posters though that the screen shot of actual codes could probably be blurred or deleted to preserve them. I am not really sure they bring too much to the overall story especially if the story is to just make people aware that this is a thing and it does carry some risks

MrDioji
Guest
MrDioji

Maybe, but at least remove the screenshot from Zz with all the codes in it. This is the only public place that still has that list, as far as I know. Which undercuts the “for our own good” argument.

Alex
Guest
Alex

Greg, with respect, this doesn’t hold water. It would be one thing to say “hey, here are shutdown risks for things that have been going on related to targeted offers.” It’s another to say (a) “hey readers, here is exactly how you do this risky thing” and (b) “hey Chase, here is the exact way to do this risky thing that others are doing, you should apply some extra scrutiny to those who have signed up.” This post isn’t consistent with your ethos generally and you should reformulate it as you have done before.

CaveDweller
Guest
CaveDweller

Greg
Where’s Steve’s post on the matter ? Is he Sleeping on the floor @ a local airport or in the luggage compartment of a Greyhound Bus ..
The Pack does Turn on the Hand that feeds them Fast Don’t They ?
I think u have better things to post on .
CHEERs

Greg The Frequent Miler
Admin

Sorry everyone. I’m trying to understand your concerns, but I feel like I’m missing a piece of the puzzle. In my mind, posting this was the responsible thing to do. I don’t believe that Chase would change their behavior as a result of this post except maybe to change their coding so that people can’t generate signup offers. And that’s something that, as a business, they should do. I can see Matt’s point that the screenshot of the codes doesn’t add to the story, but it seems like people are upset about more than that and I honestly don’t get it. Please try to explain without resorting to name-calling or fedora blaming.

Delete the post
Guest
Delete the post

Perhaps, and hear me out, Chase will *learn* of this *through* your post and *shutdown* the people who signed up by *using the explicit steps you lay out in your post*

lz80521
Guest
lz80521

Publishing this post increased your readers’ risks. You did not “help” reader understand the risks, but you might have brought more risks to your readers. Period.

Andysol
Guest
Andysol

I’ve attempted 14 different variations to explain it, but I have to keep editing as I can’t create an explanation without Fedora blaming

Brian
Guest
Brian

Oh give me a break

rct12345
Guest
rct12345

Long time reader of your blog and recently of your podcast. In your recent podcasts you’ll spoke about the aspire card and where to draw the line and how to give subtle hints about something that doesn’t cross the line. Also, I’ve seen you draw flak from some readers when you mention public information about say rakuten credit card (some folks just don’t like any mention to this card, at all). With this background, I know you guys tread the line quite well.

This post is where you’ll failed. This is not public information, it puts any reader using these links at risk. I imagined when you would see the original sources being deleted and after having some time to digest the feedback, you would delete this post too. Unfortunately that didn’t happen and this post is the low point of this blog since I started reading it.

MrDioji
Guest
MrDioji

Thanks for updating the post.

Captain Greg
Guest
Captain Greg

This is the right move. I understand that it’s going to upset some people, but it’s a group of people who are super deep in the game at lol/24. That group already understands the risks they are taking on by signing up under links that Chase hadn’t intended to distribute. You can’t go around blaming people for spreading the word, when that’s how you discovered it in the first place. Obviously word was going to keep spreading and you should realize that.

On the flip side, someone else might be innocently searching the web for a good deal for the CIP and sign up for the 70k deal because they see that it’s higher than the 60k. Now they are taking on the same risk without even realizing it. It totally sucks for them to potentially get shut down when they didn’t realize they were clicking on a manufactured link. I think it’s important to warn the general public, even if it will upset a few deep in the game.

Bring on the thumbs down!!

CaveDweller
Guest
CaveDweller

An All new low for FM will it be a pubic Hanging or better yet a burning at the Stake . If I post u can get more points by jumping off the Hoover Dam over-pass I bet most would do it .
CHEERs

Money
Guest
Money

I am usually on the side of publishing tricks and ways to do things to beat the system. When others didnt like the fact that you shared a full guide to MS I supported your decision in making such a guide. But not on this Greg. I thought about it quite a bit yesterday after Doc posted it and here what I think will happen after the flood of applications: Chase will see that there have been hit for many points and will reevaluate the whole point granting system. Second CIP, MDD, and other methods will be revealed by their internal analysis and they will make terrible changes to those things.

ThisIsTheWorstBlogOnTheInternet
Guest
ThisIsTheWorstBlogOnTheInternet

Delete this. You are like the 15th most popular CC blog. No one even reads you guys. This isn’t how you gain readers.

Money
Guest
Money

They are easily in top 5.

CaveDweller
Guest
CaveDweller

Which are the 14 better ones I want to sign up on theirs too ?
CHEERs

John
Guest
John

If no one reads the blog then there is no reason to delete the post. Your comment makes no sense.

Phillip
Guest
Phillip

Wow at some of these hater comments…. the link and codes have been shared with my coworkers as well as my boss all were immediately approved if you guys need any DPs.

If anyone wants the google doc with all the codes please let me know

Lukas
Guest
Lukas

Please send to t e c h f a t h e r AT g m a i l. Thank you!

Codes
Guest
Codes

I’d love to see it. Tmoworkpackage at gmail

Adrian
Guest
Adrian

aarvard.aback at gmail.com please

Etrain
Guest
Etrain

littlebritchessji at gmail
Thanks!

Eli
Guest
Eli

This sounds like someone from the Chase marketing department, or the Amex RAT team doing competitive research. You’re doing God’s work man. Should have done some name dropping while you’re at it.

king
Guest
king

i am interested in personal southwest cards , any codes for that ?

kingofkingsforu at gmail.com

Anon
Guest
Anon

Can you please email me the list?

yvrstasonice AT gmail.com

F D
Guest
F D

Can you please email me the Google Doc as well? updownok991991 at yahoo dot com

Dave
Guest
Dave

I would very much appreciate as well. Thank you.

Dave
Guest
Dave

Looks like I have to post without the at sign. pdakk1 and aol.

DaveS
Guest
DaveS

Maybe Drew can post another $100 offer.

Zirp
Guest
Zirp

F the haters. this is one of the best blogs on the planet. thoughtful.

USB
Guest
USB

Sorry, I’m on the ‘delete this’ side on this. IMHO, this does more harm than good to the overall community. I appreciate your transparency and all, but this doesn’t need to be publicized. Reposting Greg’s chase shutdown post would’ve been more beneficial than this. But it’s your blog, so it’s your call.

Ben
Guest
Ben

So much hate here. I love the blog and appreciate what you guys do.

meohmy
Guest
meohmy

40/24 and instant approval for Chase Sapphire Preferred.

onlythebrave
Guest
onlythebrave

Can someone share how to go about this for united mileage plus card ?