Chase Sapphire Preferred Approval?

[KS13]

Thanks for the warm welcome! 

Yeah I was thinking about waiting a month as well, this way the other inquiry on my EXperian report will also fall off, leaving only 3 inquries and it seems Chase pulled EXperian Report last time when I got denied for the Freedom card in October 2012. 

I'm currently a student so I always report my father's income ($60,000) and report his business (he's self-employed) so I include myself "self-employed" on the application. 

[ryanbush]

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@KS13 wrote:

Thanks for the warm welcome! 

Yeah I was thinking about waiting a month as well, this way the other inquiry on my EXperian report will also fall off, leaving only 3 inquries and it seems Chase pulled EXperian Report last time when I got denied for the Freedom card in October 2012. 

I'm currently a student so I always report my father's income ($60,000) and report his business (he's self-employed) so I include myself "self-employed" on the application. 

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What you are doing is illegal, I would assume that on recon when they asked you where you're income is from they would shut you down as soon as you say your fathers income, they might also close any other cards you have with them.  Sorry if I seem so negatice but what you are doing is wrong and if you get caught it could ruin your credit for quite a while as well as get you black listed with your current creditors

[ryanbush]

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@swpopham wrote:

my experience with the line " ive reccomeneded it but the next level will have to approve it" means denial.... Ive had it go 2 ways. UW approves it and card is on the way. Delays it by above line and denied everytime. Me- my wife and like 5 people from the "OTHER" board

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As an FYI I called back in to check the application status, was transfered over to their verification department and after answering a few questions I was approved for 5k and the card will be overnighted to me!!!  You guys have no idea what this means to me.... 

[youngandcreditwrthy]

Being an AU is like cheating lol but I def have added my 13 year old sis on like 5 or so of my higher limit cards ;-)

Good luck!

[ryanbush]

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@youngandcreditwrthy wrote:
Being an AU is like cheating lol but I def have added my 13 year old sis on like 5 or so of my higher limit cards ;-)

Good luck!

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I thought about adding my 15yo bro to my AMEX or now my CSP card... lucky kid

[KS13]

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@ryanbush wrote:

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@KS13 wrote:

Thanks for the warm welcome! 

Yeah I was thinking about waiting a month as well, this way the other inquiry on my EXperian report will also fall off, leaving only 3 inquries and it seems Chase pulled EXperian Report last time when I got denied for the Freedom card in October 2012. 

I'm currently a student so I always report my father's income ($60,000) and report his business (he's self-employed) so I include myself "self-employed" on the application. 

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What you are doing is illegal, I would assume that on recon when they asked you where you're income is from they would shut you down as soon as you say your fathers income, they might also close any other cards you have with them.  Sorry if I seem so negatice but what you are doing is wrong and if you get caught it could ruin your credit for quite a while as well as get you black listed with your current creditors

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I obviously do work there since it is only my Father and I, and no other employees. Its just I never have listed on any forms that he is my employer. 

[ryanbush]

ok, I don't think Chase verifies income like AMEX does but if you didn't actually make that much money yourself and you list it as income you are still potentionally breaking the law. 

[Anonymous]

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@ryanbush wrote:

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@KS13 wrote:

Thanks for the warm welcome! 

Yeah I was thinking about waiting a month as well, this way the other inquiry on my EXperian report will also fall off, leaving only 3 inquries and it seems Chase pulled EXperian Report last time when I got denied for the Freedom card in October 2012. 

I'm currently a student so I always report my father's income ($60,000) and report his business (he's self-employed) so I include myself "self-employed" on the application. 

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What you are doing is illegal, I would assume that on recon when they asked you where you're income is from they would shut you down as soon as you say your fathers income, they might also close any other cards you have with them.  Sorry if I seem so negatice but what you are doing is wrong and if you get caught it could ruin your credit for quite a while as well as get you black listed with your current creditors

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Are you serious? No offense, but that is a bunch of BS. I know for a fact, that many people do this (reporting household income, instead of their own), and if it were such a "bad" and "illegal" act, credit card companies would be very strict on this.

A friend of mine is a Manager at Chase, and he says that credit card companies honestly don't even verify income unless they are you are applying for a credit line greater than $30,000. They will not "blacklist you", or burn you, the worst that can happen is that they will ask for a copy of your w-2 tax and if they don't receive it they will just ignore your application, and that's only if they see your credit score and report don't seem like you are credit worthy.

[ryanbush]

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@Anonymous wrote:

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@ryanbush wrote:

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@KS13 wrote:

Thanks for the warm welcome! 

Yeah I was thinking about waiting a month as well, this way the other inquiry on my EXperian report will also fall off, leaving only 3 inquries and it seems Chase pulled EXperian Report last time when I got denied for the Freedom card in October 2012. 

I'm currently a student so I always report my father's income ($60,000) and report his business (he's self-employed) so I include myself "self-employed" on the application. 

---

What you are doing is illegal, I would assume that on recon when they asked you where you're income is from they would shut you down as soon as you say your fathers income, they might also close any other cards you have with them.  Sorry if I seem so negatice but what you are doing is wrong and if you get caught it could ruin your credit for quite a while as well as get you black listed with your current creditors

---

Are you serious? No offense, but that is a bunch of BS. I know for a fact, that many people do this (reporting household income, instead of their own), and if it were such a "bad" and "illegal" act, credit card companies would be very strict on this.

A friend of mine is a Manager at Chase, and he says that credit card companies honestly don't even verify income unless they are you are applying for a credit line greater than $30,000. They will not "blacklist you", or burn you, the worst that can happen is that they will ask for a copy of your w-2 tax and if they don't receive it they will just ignore your application, and that's only if they see your credit score and report don't seem like you are credit worthy.

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Yes I am serious, It is a Felony to lie on a load application....  and yes if they find out you lied after they have already opened up your accounts they will close them, mayby or maybe no blacklist you but do you expect to be able to open an account with them again if you got caught lieing to them?

[Shogun]

It is always the best policy to be honest on the applications.  I never include my DW's income on my apps, and she doesn't include mine on hers.  This just seems to be a no brainer to me.