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Chase Sapphire Preferred Approval!

Frequent Contributor

Chase Sapphire Preferred Approval!

Well I couldn't help myself. I am supposed to be in the garden (been there a whole 11 days...), but decided to pick apply for a Chase Sappire Preffered card. My scores are not stellar (see below), but figured with my income and the reason for my scores being low (fairly thin profile - just got my 2nd, 3rd, and 4th CC since September - 3 inquires total on my CRs, a couple of SL baddies that are faling off next year), I figured why the heck not. I do a lot of traveling for both work and pleasure (no travel rewards cards prior to this), and will easily get myself a free flight or so a year. I put my app in fully accepting the fact that I would either get denied or pending as an answer, and would have to recon. I got the pending further review status.

 

I called in about 10 minutes later, and verified some info with the sales reps (plural - I got DC'd just as the first rep was getting back on the line from looking my app over), and got approved for $9,200! I was expecting that at best I would convince them to give me a minimum credit limit, and work with it from there. I must be doing something right.

 

Now I just need an AmEx BCP, and to PC my Amazon.com Rewards card to the Freedom later this year, and I will be in the garden indefinitely (other than future home/vehicles).

 

Eta: Spelling.

 

I hope this will inspire some of you that have similar profiles and are on the edge to apply (like I was inspired for my Discover It 11 days ago...).



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 1 of 13
12 REPLIES
Valued Contributor

Re: Chase Sapphire Preferred Approval!

Man, you make me want to app for CSP so bad... Smiley Sad

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 2 of 13
Regular Contributor

Re: Chase Sapphire Preferred Approval!

Congrats! Now you can enjoy gardening Smiley Happy
USAA Mastercard-$2000 USAA Visa-$2000 USAA SC-$600 NFCU-$12500 Walmart-$3500 BestBuy $1000 Navcheck 3000



Message 3 of 13
Established Contributor

Re: Chase Sapphire Preferred Approval!

Congrats! May i know your scores? Im on my phone so i cant see your sig. I applied as well but got the pending notice. Im going to recon today.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 4 of 13
Frequent Contributor

Re: Chase Sapphire Preferred Approval!

Thanks!

 

Armbender - I saw your other post the other day. You look like a much better candidate than me. Good luck if you go for it!

 

ObeyJohnny - My EQ is 690 plus or minus a few points. Good luck!



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 5 of 13
Regular Contributor

Re: Chase Sapphire Preferred Approval!

I haven't went the CSP route yet but I'm going to the Chase Branch soon to do the paperwork (they bought my mortgage) and while opening up a checking and direct deposit with them I'm hoping to land the CSP as well.  May as well since I'm loosing a HP anyway Smiley Wink

________________________________________________________________________________________________
I’ve found that I can "charge" WHATEVER I want…. Just not all at THE SAME TIME!*Last CC App 07/2010*
Message 6 of 13
Established Contributor

Re: Chase Sapphire Preferred Approval!

Congrats! Great starting CL.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 7 of 13
Valued Contributor

Re: Chase Sapphire Preferred Approval!

Congrats thats an awesome CL!

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 8 of 13
Valued Contributor

Re: Chase Sapphire Preferred Approval!

Congrats! So jealous! :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 9 of 13
Valued Contributor

Re: Chase Sapphire Preferred Approval!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 10 of 13