ApplyExplorerCard.com Pre-Approved Mail Offer

United Explorer Card with a pre-approved offer, you would have followed a process tied to a specific invitation you received. While the applyexplorercard.com site is no longer active for new applications, the process for responding to a pre-approved offer from Chase typically works as follows.

How the Pre-Approved Offer Works

• Receive the offer: You would get a physical mailer or an email from Chase (the issuer of the United Explorer Card) indicating that you are pre-approved. This offer is the result of a "soft pull" of your credit report, which means Chase has identified that you meet certain criteria based on a preliminary review of your credit history.
• Use a unique code: The mailer would contain a unique invitation code or offer number that is tied to your specific offer.
• Go to the designated website: You would be directed to a specific website, which used to be applyexplorercard.com, to input your unique code and verify your information.
• Submit the full application: After entering your information and accepting the offer, you still need to complete the full credit card application. This is when Chase performs a "hard inquiry" on your credit report, which can slightly and temporarily lower your credit score.
• Receive a final decision: Pre-approval does not guarantee final approval, but it does mean you have a higher likelihood of being approved. Chase still reviews your application with the full credit report and other financial information to make a final decision, which can be instant or take up to 7–10 business days.

Applying Today

While the specific application portal applyexplorercard.com is an older, invite-based portal, it may still redirect to a more current Chase page for pre-approved offers if you arrive there with a valid invitation. The core process for responding to a pre-approved offer from Chase for the United Explorer Card remains the same.

• The initial offer is not a guarantee. A pre-approved or pre-selected offer means that based on a preliminary "soft inquiry" of your credit, Chase has determined you meet some initial criteria.
• You must still complete a full application. Your unique invitation number or code directs you to a special application page. Here, you will be asked to provide more detailed financial information, such as your income and monthly housing payment, and you must agree to a full credit check.
• A "hard inquiry" occurs during the full application. This type of inquiry is what can temporarily and slightly affect your credit score.
• Approval can still be denied. Even if you have a pre-approved offer, your final approval can be denied if your financial situation has changed since the initial credit review or if the full application reveals new information.
• The offer may have an expiration date. Pre-approved offers typically have a specific expiration date printed on the mailer, so it's important to respond before it expires.

If you have a recent invitation with a unique code, you can use the specified website. If not, the standard method is to check for pre-approved offers through your online Chase account or apply directly on the Chase website.