Chase Sapphire Preferred...finally!

mwlcolorado · ‎10-12-2015

I've been waiting on this one for awhile. Haven't had a HP in awhile but I was still nervous for some reason. My highest credit limit is only $7k so I didn't know what to expect. Applied online, didn't get instantly approved. Called the recon line, was told the account is with verification. Transferred me over to verification where I answered a few questions(apparently, their system didn't like the fact that I applied in a foreign country) and was approved. Not only was I approved, they gave me a SL of $22,000! WOW! I was kind of caught off guard. Very excited about moving forward with the CSP.

Starting Score: 626 (EQ) / 646 (TU) / 631 (EX) 10 January 2015
Current Score: 775 (EQ) / 776 (TU) / 754(EX) 30 July 2015
Goal Score: 801

Take the myFICO Fitness Challenge

Anonymous · ‎10-12-2015

Great current scores! High CL ... you did very well!!!

Anonymous · ‎10-12-2015

Congratulations!

Anonymous · ‎10-12-2015

Congrats!

alextercero · ‎10-12-2015

Congrats

Current Credit Cards

NFCU More Rewards | CL $3000 @ 18.00% APR| 08/2021

Capital One Quicksilver One | CL $6000 @ 31.99% APR 39.00 AF | 09/2021

Capital One Quicksilver | CL $4000 @ 31.99% APR | 02/2022

NFCU Cash Rewards | CL $1500 @ 18.00% APR | 06/2022

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)

Credit Age:

Inquiries:

Jerry45 · ‎10-12-2015

Sweet! Congrats

NRB525 · ‎10-12-2015

Congratulations! Nice SL.

Any new accounts opened in the last 24 months?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎10-12-2015

congrats! Nice SL

mwlcolorado · ‎10-12-2015

@NRB525 wrote:
Congratulations! Nice SL.

Any new accounts opened in the last 24 months?

3 credit cards and two store cards. I was worried that they would factor in the retail cards and I'd be over the limit, but apparently Chase doesn't hold them against you!

Starting Score: 626 (EQ) / 646 (TU) / 631 (EX) 10 January 2015
Current Score: 775 (EQ) / 776 (TU) / 754(EX) 30 July 2015
Goal Score: 801

Take the myFICO Fitness Challenge

Anonymous · ‎10-12-2015

Now that is a nice starting limit, congrats.