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Contributor
Posts: 82
Registered: ‎03-15-2012
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Chase Sapphire Preferred...Finger on The Trigger

 

Community advice needed. I'm interested in the Sapphire Pref. Card but I'm not certain I'd be approved. I'm looking to hear from those who have applied and either have been approved or declined, can you guys provide the details of your approval? Fico score at time of app, Baddies, CL, AAoA. I've been to whogavemecredit but it's still tough to gauge this card.

BofA Amex $7500| Discover IT- $10K| Chase Sapphire Preferred $10k | Cap One $2000| Citi Hilton Reserve $10k
Valued Contributor
Posts: 1,506
Registered: ‎09-01-2011
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Re: Chase Sapphire Preferred...Finger on The Trigger

[ Edited ]

Min CL is $5000, based on your sig I think = instant decline.

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Chase Sapphire Preferred...Finger on The Trigger

Can you fill us in on what your credit profile looks like?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Posts: 82
Registered: ‎03-15-2012
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Re: Chase Sapphire Preferred...Finger on The Trigger

Have two 30 day lates from 3 years ago other than that no other baddies. AAoA 2.5 years, auto lease 17K 6 months old, income $70k total household $110k,...

BofA Amex $7500| Discover IT- $10K| Chase Sapphire Preferred $10k | Cap One $2000| Citi Hilton Reserve $10k
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Chase Sapphire Preferred...Finger on The Trigger

What are your current credit lines?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 553
Registered: ‎02-14-2012
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Re: Chase Sapphire Preferred...Finger on The Trigger

I got CSP about 4 months ago. No lates, no baddies of any sort. CS in the 740s. AAoA 4.7. I do know that they look for experience with higher CLs. HTH. Smiley Happy

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Established Contributor
Posts: 839
Registered: ‎10-28-2011
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Re: Chase Sapphire Preferred...Finger on The Trigger


LS2982 wrote:
What are your current credit lines?

LS ...looks like they are in siggy


Contributor
Posts: 82
Registered: ‎03-15-2012
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Re: Chase Sapphire Preferred...Finger on The Trigger

 I haven't carried a balance in over a year. But my baddies concern me as well as not showing a CL of $5k. I'v heard income weighs heavily on this card?

BofA Amex $7500| Discover IT- $10K| Chase Sapphire Preferred $10k | Cap One $2000| Citi Hilton Reserve $10k
Super Contributor
Posts: 5,878
Registered: ‎12-11-2011
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Re: Chase Sapphire Preferred...Finger on The Trigger

The card starts at 5k, and from what I've heard chase doesn't like to be the first one to push the boundary when it comes to CLs, they'd rather someone else have taken the risk and then be there to be like "well we can match that." 

 

 

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Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
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Re: Chase Sapphire Preferred...Finger on The Trigger


jsucool76 wrote:

The card starts at 5k, and from what I've heard chase doesn't like to be the first one to push the boundary when it comes to CLs, they'd rather someone else have taken the risk and then be there to be like "well we can match that." 

 

 


+1 They wouldn't budge on a $3k CL on Freedom in April when my highest CL was $2500. My EQ FICO (which they pulled) at the time was 759 per SW. And I had no baddies and very low util.

 

I've also read that CSP is harder to get than Freedom. Based on your FICO and CR, I doubt you'd be approved.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

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