Please Help Before I pull the Trigger

[jologan79]

Much to my suprise I was approved for a $1000 CL AMEX Delta Gold Skymiles today..

Before I start gardening again, I want to apply for the Chase Shappire and BOA rewards.

Chase first question is: Is your credit history clear from bankruptcies and/or seriously delinquent accounts?

The short answer is yes but here is the issue.

I have have some collections and derogortory hits on my file but they are all on $0 balance paid in full.

Should I hit yes or no for this question?

Should not even attempt this?

Thanks for your advice.

[Anonymous]

I guess it depends on how chase defines seriously delinquent. Is that a mandatory question?

[jologan79]

It doesn't have the red star by it like some of the other questions.

So I guess I can try to fill out the form and see if it will let me pass it.

[Anonymous]

I would skip Sapphire and try for BOA Rewards. I just feel like your FICOs are too low to get approved.

[jologan79]

I pulled the trigger on Chase..

Here is what it says...Should I give them a call?

Thank you for applying. Your application requires further review before making a decision.

Here's what you can expect:

Our goal is to notify you in writing within 10 days; however, in some circumstances it may take up to 30 days.
If you are approved, you will receive your card and other important information in the mail.
Please do not resubmit this application.

[Anonymous]

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@jologan79 wrote:

I pulled the trigger on Chase..

Here is what it says...Should I give them a call?

Thank you for applying. Your application requires further review before making a decision.

Here's what you can expect:

Our goal is to notify you in writing within 10 days; however, in some circumstances it may take up to 30 days.
If you are approved, you will receive your card and other important information in the mail.
Please do not resubmit this application.

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Call the ap status line. If it says something like 7 to 10 days, you may be good to go. If it says 30 days, you're hosed.

[chalupaman]

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@jologan79 wrote:

I pulled the trigger on Chase..

Here is what it says...Should I give them a call?

Thank you for applying. Your application requires further review before making a decision.

Here's what you can expect:

Our goal is to notify you in writing within 10 days; however, in some circumstances it may take up to 30 days.
If you are approved, you will receive your card and other important information in the mail.
Please do not resubmit this application.

---

I didn't get instant approval on CSP but my message was a bit different than yours:

Please call us as soon as possible at U.S. 1-877-260-0087 or International 1-302-594-8200 Mon-Sat 8am-10pm ET and Sunday 10am-9pm ET to discuss your application with a Customer Support Specialist.

Please reference # when you call.

• You are nearly finished! We just have a few more questions regarding your request for credit.
• We would like to confirm the information you have provided.

We look forward to speaking with you.

It ended up being an approval without me having to call or do anything but I think it's a good sign if the automated system on the phone tells you you'll be hearing from them in 2 weeks. if it says anything about 7-10 days, it's a denial most likely. I think your scores are kinda on the low side still but anything's possible with Chase through recon I suppose.

[jologan79]

Yea...I think I'm hosed....

I guess I got lucky with that AMEX today...

BOA denied me...I'm about to call CHASE...

Any recommendations on cards before I call it quits for a while...

[Anonymous]

i was approved for both CSP and Freedom with a collection reporting. and i had to remove it to be in with amex !

good luck.

it was from att $600 and the CA was EOS something like that 

[TURNERHOOVER]

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@Anonymous wrote:

i was approved for both CSP and Freedom with a collection reporting. and i had to remove it to be in with amex !

good luck.

it was from att $600 and the CA was EOS something like that 

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Amex approved me with two collections on file. Citi still refuses to approve me with those same two collections on file.