- Green Member
- Posts: 4
- Joined: Sat Dec 15, 2012 9:51 am
- Location: Lincoln, NE
So I've been getting quite a few Chase offers in the mail lately. I already have one card with them (Amtrak Guest Rewards Master Card), no late payments, a high usage rate, and a 19 month record of making high payments in order to carry a small balance.
First things first: is Chase just sending out a ton of offers lately (I've had 3 for each card now in the past 3 months), or do they really want my business? In trying to determine my chances of approval and whether it's worth taking a hard hit on my credit scores.
I could use some advice in trying to decipher their language. "You've been pre-selected for this offer!" trumpets one letter (guessing that this means *not* "pre-approved). The other reads "Respond by February 21st, and this offer is yours". I wouldn't mind having either card, but it's not worth the ding on my credit scores if my chances of being approved are anything less than a sure thing.
My second question: could anyone who has experience with either of these cards recommend one over the other? Both have 0% balance transfer offers that would remain interest free until 2014.