New Member
Posts: 4
Registered: ‎08-22-2012

Chase Sapphire Denial

Hi guys,


Newbie here =)


I applied for a Chase Sapphire Card last weekend and decided to call the backdoor number. Initially, he said I was denied because I have so many inquiries (due to a car loan). I asked for a reconsideration. He put me on hold for about 5 mins and came back to tell me that I'm denied because I have only a year's worth of credit history ( I just moved to the US in Jan 2011).  Should I call back and hope that the next analyst will be more lenient?


Here are my details just to give you an idea on my standing:

Credit Sesame: 740

Credit Karma: 730


Currently I have these cards:

Capital One Rewards: $750

Discover Cashback: $1000

American Express Blue Sky: $2000


Thanks in advance for your help! =)

Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012

Re: Chase Sapphire Denial

Dont bother but it is your time.  Sapphire is their higher end card with absolute floor on approvals credit wise hence the set interest rate.  If you had apped forfreedom or slaTe or something like that, I would have recommendEd to keep trying to get anything.  But with sapphire and your thin file, don't bother.

Established Member
Posts: 37
Registered: ‎07-25-2011

Re: Chase Sapphire Denial

Agree. Is sucks because with a thin file you've done nothing to make them not trust you but you haven't earned their trust either. Best thing you can do is make all your payments on time and wait a while.
Established Contributor
Posts: 599
Registered: ‎03-10-2012

Re: Chase Sapphire Denial

i have 6 accounts, 2 from august 2011 and 4 from feb-april 2012. I was approved for a Sapphire this month. So length of history is not the only reason. It might be that not enough of your tradelines are are 1 year old.


Also, while you don't specifically need to already have any single tradeline at 5000+, the closer you can get the better. I had one at 3K and one at 2K when i applied, and a total of 8600, a utizilation of 1%. They don't give out CL of less than 5000 for either of the sapphire cards, so if they don't want to give you 5K yet, then you won't get the card. Unless you already have a chase card, theyd let you transfer some of that limit to meet the 5K minimum.


Should also check your true fico. There is no real correlation between fakos and ficos, even if they have a similar score scale. Do you know who chase pulled? if you've gotten the denial letter, did they score you based on FICO or an internal system?

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+