Chase Sapphire Preferred...app or no

[adavis425]

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@Open123 wrote:

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@adavis425 wrote:

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@Open123 wrote:

For borderline approvals, I'm from the school of thought where it's better to app, recon, and be denied; rather than wondering "what if" I would have qualified.

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+1

Absolutely! AND if this is THE card that you want, what's one inq? At least you'll know where you stand and what to work on. IMO.

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I don't mind inquiries all that much.  To me, they're like battle scars.  Without them, you'll never win any major battles.

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Then what are you waiting for?

[Open123]

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@Jayb5635 wrote:
Lol even with the 3 inquiries from August I'm not deterred. I guess it's just paranoia on my end. I'm already mentally preparing myself for the recon call. Mind you, I think my score is good enough, as well as my salary. I make 55k/yr

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3 isn't much at all.  If I were you, I'd app and recon if no instantly approved.  Even if denied, ask the underwriter for "tips" on how to get approved for the next time.  Much better than doing nothing from being overly cautious waiting for the elusive "perfect" time.

Good plan implemented with vigor now is better than a perfect plan 30 minutes later.

[Open123]

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@adavis425 wrote:

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@Open123 wrote:

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@adavis425 wrote:

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@Open123 wrote:

For borderline approvals, I'm from the school of thought where it's better to app, recon, and be denied; rather than wondering "what if" I would have qualified.

---

+1

Absolutely! AND if this is THE card that you want, what's one inq? At least you'll know where you stand and what to work on. IMO.

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I don't mind inquiries all that much.  To me, they're like battle scars.  Without them, you'll never win any major battles.

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Then what are you waiting for?

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The advice was meant for the OP.

[adavis425]

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@Open123 wrote:

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@adavis425 wrote:

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@Open123 wrote:

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@adavis425 wrote:

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@Open123 wrote:

For borderline approvals, I'm from the school of thought where it's better to app, recon, and be denied; rather than wondering "what if" I would have qualified.

---

+1

Absolutely! AND if this is THE card that you want, what's one inq? At least you'll know where you stand and what to work on. IMO.

---

I don't mind inquiries all that much.  To me, they're like battle scars.  Without them, you'll never win any major battles.

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Then what are you waiting for?

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The advice was meant for the OP.

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Oh, sorry. I thought you were OP, didn't stop to look. Doing too many things at once, I guess.

[adavis425]

Jayb, go for it and be done already. Good luck. Keep us posted.

[Jayb5635]

Lol alright I'll report back soon guys, hopefully with good news

[Shogun]

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@Duncanrr wrote:

Drapp it like you want it....DRAPP IT!

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Oh my.   Time for an intervention?   LOL

[Duncanrr]

Mayhaps

[Jayb5635]

Guys, I applied for the sapphire preferred last night. It was decision pending, so I just called this morning, gentleman asked me a few questions, and BAM approved with 5k limit !!!

[Duncanrr]

GRATS!!! What questions did he ask you?