Reply
Regular Contributor
Posts: 140
Registered: ‎09-09-2011
0

Re: Chase Sapphire Preferred APP

Well,

 

I've joined this forum while ago and I’m happy I did so. The reason why I joined it was 'cause I wanted to learn more about the credit system and, most importantly, better my credit. I have worked very hard for my credit by always paying on time, applying to CCs only when needed, etc.

 

Now, most post, comments, on this forum are very good and to the point but some others are just so hard to believe. For instance, I read that somebody got approved for an Amex with a 623 credit score and I don't think that is true. I also read other similar post in which people have applied to the Chase Sapphire card, having bad credit, and were approved as well which is also hard to believe and as a matter of a fact I don't believe.

 

I think what I am trying to say is that no all we read here is true or honest yet many postings are and thanks to those postings we all, in this community as well as outside of it, can learn thus having a better chance to accomplish or dreams and/or meet our needs.

!!!! I'm on gardening mode !!!!

EQ FICO 779; TU FICO 783; EX FAKO 821
In my wallet: USAA AMEX, USAA World MasterCard,Service Credit Union Platinum Visa, Chase MasterCard, Chase Sapphire Preferred, Discover More Card, American Express Gold, American Express Platinum, Chase Continental One Pass


Established Contributor
Posts: 519
Registered: ‎05-09-2008
0

Re: Chase Sapphire Preferred APP

[ Edited ]

During the credit crunch of 2008-2009, yes, there were strict criterias for getting approved for certain cards, and the creditors followed these criterias to the T and unfortunately people still spread information based on approval criterias from back during that period.

 

But the truth of the matter is, these creditors lost so much business denying everyone credit; now that the economy has somewhat recovered, they are being a lot more lenient and letting people who usually miss their minimum qualifications cut off slip by.

 

Just look at the cards in my sig below, all approved in 2010-2011after being denied Capital One during 2008-2009 and my scores have always hovered in the high 600's - low 700's.

 

 

 

American Express Blue Cash Everyday $6600
Barclays US Airways Premier World Mastercard $14500
Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
Chase United Explorer $8500
Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500
Regular Contributor
Posts: 140
Registered: ‎09-09-2011
0

Re: Chase Sapphire Preferred APP

aftermath,

 

you are probably right but I don't think someone who has a credit score of 621, as i read in one post, can get approve for an american express.

!!!! I'm on gardening mode !!!!

EQ FICO 779; TU FICO 783; EX FAKO 821
In my wallet: USAA AMEX, USAA World MasterCard,Service Credit Union Platinum Visa, Chase MasterCard, Chase Sapphire Preferred, Discover More Card, American Express Gold, American Express Platinum, Chase Continental One Pass


Established Contributor
Posts: 519
Registered: ‎05-09-2008
0

Re: Chase Sapphire Preferred APP

I have heard of people getting approved for the Zync card with a probationay hard limit of $200-$500 or with a secured deposit with their bank with sub 600 scores.

American Express Blue Cash Everyday $6600
Barclays US Airways Premier World Mastercard $14500
Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
Chase United Explorer $8500
Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500
Regular Contributor
Posts: 140
Registered: ‎09-09-2011
0

Re: Chase Sapphire Preferred APP

It's possible.... btw, is the barclays US Airways Premier World MasterCard a good card?

!!!! I'm on gardening mode !!!!

EQ FICO 779; TU FICO 783; EX FAKO 821
In my wallet: USAA AMEX, USAA World MasterCard,Service Credit Union Platinum Visa, Chase MasterCard, Chase Sapphire Preferred, Discover More Card, American Express Gold, American Express Platinum, Chase Continental One Pass


Established Contributor
Posts: 519
Registered: ‎05-09-2008
0

Re: Chase Sapphire Preferred APP

I just got it for the signup bonus.  Besides that, it just sits in my sock drawer.

American Express Blue Cash Everyday $6600
Barclays US Airways Premier World Mastercard $14500
Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
Chase United Explorer $8500
Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500
Regular Contributor
Posts: 140
Registered: ‎09-09-2011
0

Re: Chase Sapphire Preferred APP

ah OK.

!!!! I'm on gardening mode !!!!

EQ FICO 779; TU FICO 783; EX FAKO 821
In my wallet: USAA AMEX, USAA World MasterCard,Service Credit Union Platinum Visa, Chase MasterCard, Chase Sapphire Preferred, Discover More Card, American Express Gold, American Express Platinum, Chase Continental One Pass


Regular Contributor
Posts: 149
Registered: ‎10-28-2011
0

Re: Chase Sapphire Preferred APP

People get amex golds with 620ish FICOs.

Valued Contributor
Posts: 1,603
Registered: ‎12-07-2008
0

Re: Chase Sapphire Preferred APP

Supposedly.  I think people put their (FAKO) scores here, interchangeably, with FICO - it drives me batty.  :smileyvery-happy:

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.