Chase and Amex soft pulled me again on October 27th. I went to a branch again today and had a new preapproval for Sapphire or Preferred. I'm working on a Discover promotion right now, so I had been planning to wait until January to app for the CSP, but the PR approval got me excited, and something caught my eye: if you apply in-branch, the 40,000 point sign-up bonus comes after only $2,000 in spending!
Apped and approved instantly for a $5,000 flexible spending line. Having the card expedited by UPS -- hopefully it gets here in time for Black Friday. Had to stop myself from applying for the Slate too out of excitement.
Congratulations! That's a brilliant strategy!
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Some more info at time of approval:
TU FICO c/o Walmart is 753. Only 6% utilization across the board -- $2,540 balance on Chase Freedom (51% util on that card), $0 elsewhere. Newest account is 1 month old, average age of accounts is 2 years 5 months, oldest account is about 4 and a half years. Debt-to-income including loans is probably about 60%.
Frankly I'm getting surprised at these approvals considering I have well over my annual income in revolving credit at this point.
EDIT: They pullex Experian, which had 5 hard pulls (2 in the last 12 months) before theirs.
EDIT 2: They also pulled Equifax, which had 11 hard pulls (3 in the last 12 months) before theirs. They probably pulled this one first.
SwampSystems wrote:
Chase and Amex soft pulled me on October 5th. I went to a Chase branch after that and found branch-only preapprovals for Slate and United.
Chase and Amex soft pulled me again on October 27th. I went to a branch again today and had a new preapproval for Sapphire or Preferred. I'm working on a Discover promotion right now, so I had been planning to wait until January to app for the CSP, but the PR approval got me excited, and something caught my eye: if you apply in-branch, the 40,000 point sign-up bonus comes after only $2,000 in spending!
Apped and approved instantly for a $5,000 flexible spending line. Having the card expedited by UPS -- hopefully it gets here in time for Black Friday. Had to stop myself from applying for the Slate too out of excitement.
Wow!! Wish I knew that before I applied for the regular Sapphire X( Not stepping out of the garden for this though, but good to know to check in-store first before apping online!
daybreakgonesXe wrote:Wow!! Wish I knew that before I applied for the regular Sapphire X( Not stepping out of the garden for this though, but good to know to check in-store first before apping online!
Yeah, Chase is really good about offering its deposit customers special perks (take a look at the new Freedom exclusives, for instance). And even the pre-approvals were only available on the deposit side -- I called the credit department first and they couldn't find any evidence of them on their end.
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