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Established Contributor
adavis425
Posts: 512
Registered: ‎02-14-2012

Re: Chase Sapphire Preferred...app or no


Open123 wrote:

adavis425 wrote:

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.


Then what are you waiting for? :smileyindifferent:

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


Senior Contributor
Open123
Posts: 3,972
Registered: ‎02-23-2011

Re: Chase Sapphire Preferred...app or no


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

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.

Senior Contributor
Open123
Posts: 3,972
Registered: ‎02-23-2011

Re: Chase Sapphire Preferred...app or no


adavis425 wrote:

Open123 wrote:

adavis425 wrote:

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.


Then what are you waiting for? :smileyindifferent:


The advice was meant for the OP.

Established Contributor
adavis425
Posts: 512
Registered: ‎02-14-2012

Re: Chase Sapphire Preferred...app or no


Open123 wrote:

adavis425 wrote:

Open123 wrote:

adavis425 wrote:

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.


Then what are you waiting for? :smileyindifferent:


The advice was meant for the OP.


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

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


Established Contributor
adavis425
Posts: 512
Registered: ‎02-14-2012

Re: Chase Sapphire Preferred...app or no

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

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


Frequent Contributor
Jayb5635
Posts: 317
Registered: ‎08-02-2012

Re: Chase Sapphire Preferred...app or no

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


In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $4500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $3800, Discover IT $5000
Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011

Re: Chase Sapphire Preferred...app or no


Duncanrr wrote:

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


Oh my.   Time for an intervention?   LOL


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: Chase Sapphire Preferred...app or no

Mayhaps :smileywink:


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Frequent Contributor
Jayb5635
Posts: 317
Registered: ‎08-02-2012

Re: Chase Sapphire Preferred...app or no

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 !!!


In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $4500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $3800, Discover IT $5000
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: Chase Sapphire Preferred...app or no

GRATS!!! What questions did he ask you?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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