topic Re: Chase Sapphire Preferred in Credit Cards

Chase Sapphire Preferred

rbaby — Wed, 26 Sep 2012 17:54:44 GMT

I put in my application Monday evening and because I lifted a security freeze for the week to do the application, I called today to follow and make sure that the application was processed within the time period that I lifted my freeze for.

I didn't seem to get a solid "yes you're approved" but the nice rep told me "based on what we've got here, we can definitely do something for you". Don't they usually tell you outright if you've been approved or not? :(

Re: Chase Sapphire Preferred

Whereis750 — Wed, 26 Sep 2012 18:42:58 GMT

I would call Chase: 888-245-0625 (Credit Analyst - Recons) and ask them for application status. If not approved, ask them to reconsider your app and be prepared to answer some questions about employment, income, your other TLs and how you pay them.

Re: Chase Sapphire Preferred

rbaby — Wed, 26 Sep 2012 21:06:16 GMT

Thanks, I'll call them tomorrow so I'm not calling multitple times a day. On the phone he clarified a charge-off that's on dispute status for an identity fraud account 4 years ago--but other than that, my record's clean with high 700's low 800's score.

Re: Chase Sapphire Preferred

LS2982 — Wed, 26 Sep 2012 21:13:57 GMT

rbaby wrote:
I put in my application Monday evening and because I lifted a security freeze for the week to do the application, I called today to follow and make sure that the application was processed within the time period that I lifted my freeze for.

I didn't seem to get a solid "yes you're approved" but the nice rep told me "based on what we've got here, we can definitely do something for you". Don't they usually tell you outright if you've been approved or not? :(

Welcome to the forums!!!

Sounds like they are doing a manual review of your CR's because the computer couldn't instant approve. Be patient, give it a few days then call the number the above poster left.

Re: Chase Sapphire Preferred

rbaby — Mon, 15 Oct 2012 01:44:58 GMT

I'm glad I called the recon line a day after I applied. I had informed them that I lifted my security freeze and wanted to ensure that my application was processed within my lifted timeframe. They asked a few questions, namely a fraud account charge off that Capital One refuses to absolve me of (even though all purchases were made in a completely different state than where I live...and I have debit statements to prove my whereabouts...sigh). The nice rep told me to call back again to follow up but based on our discussion, can definitely do something for me.

I called back a few days later, there were additional questions--namely verification and I finally got my approval. On the day I received my card in the mail--I also received the automated "you have been declined--due to charge off on your credit report" letter. HAHA :)

Re: Chase Sapphire Preferred

Epcot — Mon, 15 Oct 2012 02:16:37 GMT

That's great! Good job staying persistent and on top of it. Congrats!

Re: Chase Sapphire Preferred

webhopper — Mon, 15 Oct 2012 02:26:17 GMT

Congrats! I got an auto decline letter on the same day I received my amazon chase card too so don't feel bad! Mine was for number of inquiries (mortgage related)

Re: Chase Sapphire Preferred

LS2982 — Mon, 15 Oct 2012 02:26:25 GMT

rbaby wrote:
I'm glad I called the recon line a day after I applied. I had informed them that I lifted my security freeze and wanted to ensure that my application was processed within my lifted timeframe. They asked a few questions, namely a fraud account charge off that Capital One refuses to absolve me of (even though all purchases were made in a completely different state than where I live...and I have debit statements to prove my whereabouts...sigh). The nice rep told me to call back again to follow up but based on our discussion, can definitely do something for me.

I called back a few days later, there were additional questions--namely verification and I finally got my approval. On the day I received my card in the mail--I also received the automated "you have been declined--due to charge off on your credit report" letter. HAHA :)

CONGRATS!!!!

What CL did you get?

Re: Chase Sapphire Preferred

rbaby — Mon, 15 Oct 2012 02:27:02 GMT

15,000

Re: Chase Sapphire Preferred

LS2982 — Mon, 15 Oct 2012 02:30:33 GMT

rbaby wrote:
15,000

Wow...

Do you have other lines close to or above that or is that your highest?

Re: Chase Sapphire Preferred

rbaby — Mon, 15 Oct 2012 02:33:26 GMT

It's actually my highest, I don't have lots of credit cards--I actually only have 2 and they are both 1k with no balance. I have about 10k for CareCredit but that's a specialized open line of credit for vet/dentist/health etc. The only thing that probably really helped me was that I have a mortgage that I can easily cover. That's the only debt I have--student loans/cars are paid off.

Re: Chase Sapphire Preferred

LS2982 — Mon, 15 Oct 2012 02:35:31 GMT

rbaby wrote:
It's actually my highest, I don't have lots of credit cards--I actually only have 2 and they are both 1k with no balance. I have about 10k for CareCredit but that's a specialized open line of credit for vet/dentist/health etc. The only thing that probably really helped me was that I have a mortgage that I can easily cover. That's the only debt I have--student loans/cars are paid off.

Well that's awesome!!! Enjoy your new metal card!!!

Re: Chase Sapphire Preferred

Epcot — Mon, 15 Oct 2012 02:35:44 GMT

That's a great credit line! :smileyvery-happy: