Chase will ask for certain information online -- including your name, address, birth date and the last four digits of your Social Security number -- to see if you pre-qualify for a card. When you give Chase this information, you are allowing them to conduct a credit check. While Chase reviews your credit history through one of the three major credit reporting bureaus, the pre-qualification application itself won't affect your credit score. In most states, you must be at least 18 years old to apply for a Chase card. After you submit a formal credit card application, Chase decides whether you qualify. It also reserves the right to change any of the benefits offered by a particular card. Since it is based on your credit history, Chase might approve you for a card with costs differing from the card for which you applied.