Wife and I are Private Clients, and we each received a 50K offer mailer offer to open the Chase United Explorer card. Neither of us has had this card in about 5 years. Wife has a current Sapphire.
We are both at about 20/24 from opening various Amex and Citi credit cards. So my question is: Is this mailer targetted, like a form of pre-approval? Or does Chase just mail these to anyone, without pre-knowing their 5/24 status?
I hesitate to go into a branch to ask, because I tend to get reps who know less about the 5/24 rules than we do here. "Oh, let's run an application. I'm sure you'll be approved as a Private Client with 800+ credit score" Never works.