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7coxandkings7
Posts: 1
Registered: ‎06-09-2013
0

Chase backdoor success- SP

Sharing this experience as a "giving back" to this forum :smileyhappy:

 

I dont remember which backdoor number I called :smileysad: but you can find that out easily from one of the posts here, I also got it from here only.

 

HERE IS THE CONVO:

 

LO: Chase consumer lending, how may I help you?

 
Me: Hi, I applied for your sapphire preferred card today and it said something to the effect the decision is under review for 30 days. I just wanted to follow up and see where it stands?
 
Checks for the SSN, name etc.
 
LO: Hey, I checked your application and it shows me that it stands denied.
 
Me: Oh really, why? ( sounding really surprised as if I have 790 Credit score)
 
LO: You have a very thin file, meaning you dont have many lines of credit active. ( I only had a C1 plat secured for 6 months - 300 USD Limit and an Amex PLatinum I got a week before, he mentioned he saw only the C1 on my report ) But I see that you are on the right track so keep doing what you are doing. The sapphire preferred is the best credit plan we have for prime customers.
 
Me: Well, thats the reason why I applied because I dont wanna stack up a lot credit lines. (Brag about how saphirre preferred has the benefits you need travel points etc.). I want this card because it offers me the best benefits that suit my needs at this point. Besides , I also have a AMEX platinum since last month in addition to the one credit line you mentioned.
 
LO: Checks and verifies that he sees the Amex platinum on my file.  Then says that - I think you need to wait another six months with these two lines and then we can do another review to see how it goes.
 
Me: Oh Really (sounding a little sad )  :smileysad:
  • You know I have a long history of banking with you. Nearly all my savings are at chase and I have really come to appreciate the services you provide. 
  • I am trying to build my credit profile since I am planning to get some mortgages and car loans in the near future which in fact I also plan to get through Chase.
  • I am sure you can see i direct deposit every single pay check with you guys. 
 Is there anything you can do?
 
LO: OK let me check.  ( Checks my accounts ) . Yeah, I see you have a strong depository relationship with chase. That is one of the things we do look at when making a decision. Let me check a few more things and talk to my supervisor.
 
Puts me on hold.
 
LO: Hi , I need to ask you some questions about your income. Reads out the privacy disclosure terms to me. What is you total income gross? (I tell him x grand) Is there any other source of income besides this? ( Me: No Sir)
 
Sorry xxxx, I dont think I can go forward with this application.
 
Me: Sounding borderline pissed now like "bit$$ give me that card".  :smileymad: Well you know I am a consultant and my annual income varies from year to year. Sometime it can go as high as x grand depending on the project. Can you really help me out, i need to make airline ticket purchases this weekend and this would be a great help!!
 
LO: Ok let me let me review this again Mr xxx ( puts me on hold). OK Mr xxxxx, I think I can go ahead and give you an approval on this one for $xxxx credit line. Congratulations!
 
Forwards me to a customer service agent and she welcomes me to "sapphire preferred family" and  asks me a few questions and details further steps etc.
 
I thinks what helped even though I have a thin file is that - My depository relationship with chase, the fact that I told him i want to get car loans and home mortgages from chase in the future, and you sort of need to prove him that you can pay the annual fees.
 
Also, This card is built hella sexy. Metal sandwiched in plastic on either side I think. Everyone look  and goes "NIce Card !"   :smileyhappy:
 
 
 

 

To see victory only when it is within the ken of the common herd is not the acme of excellence ~ Sun Tzu
--------------------------------------------------------------------------------------------
EX: 726 (04/13) Status: Gardening
Objective: Happy with the prime plastic I have. Just raise the credit score now.
C1 : Plat Secured | AmEx: Platinum | Chase : Sapphire Preferred

Frequent Contributor
CredittotheMax
Posts: 270
Registered: ‎01-01-2013
0

Re: Chase backdoor success- SP

Congratz, and that's called consistent. I got denied three times and everytime I recon they told me I had a thin profile and I just said ok I'll wait. Got to stay consistent on my next try, well lets hope it's a instant approval...

$3.5k$4.5k$2k$4k$2k

FICO = EQ: 729 (6/13) TU:744 (12/27) EX: ?
Moderator
09Lexie
Posts: 25,298
Registered: ‎09-13-2012
0

Re: Chase backdoor success- SP

Welcome to the forum! Congrats on an excellent way to recon!

Well done!
Valued Contributor
indiolatino61
Posts: 1,470
Registered: ‎11-10-2012
0

Re: Chase backdoor success- SP

Congrats!

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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Chase backdoor success- SP


7coxandkings7 wrote:

Sharing this experience as a "giving back" to this forum :smileyhappy:

 

I dont remember which backdoor number I called :smileysad: but you can find that out easily from one of the posts here, I also got it from here only.

 

HERE IS THE CONVO:

 

LO: Chase consumer lending, how may I help you?

 
Me: Hi, I applied for your sapphire preferred card today and it said something to the effect the decision is under review for 30 days. I just wanted to follow up and see where it stands?
 
Checks for the SSN, name etc.
 
LO: Hey, I checked your application and it shows me that it stands denied.
 
Me: Oh really, why? ( sounding really surprised as if I have 790 Credit score)
 
LO: You have a very thin file, meaning you dont have many lines of credit active. ( I only had a C1 plat secured for 6 months - 300 USD Limit and an Amex PLatinum I got a week before, he mentioned he saw only the C1 on my report ) But I see that you are on the right track so keep doing what you are doing. The sapphire preferred is the best credit plan we have for prime customers.
 
Me: Well, thats the reason why I applied because I dont wanna stack up a lot credit lines. (Brag about how saphirre preferred has the benefits you need travel points etc.). I want this card because it offers me the best benefits that suit my needs at this point. Besides , I also have a AMEX platinum since last month in addition to the one credit line you mentioned.
 
LO: Checks and verifies that he sees the Amex platinum on my file.  Then says that - I think you need to wait another six months with these two lines and then we can do another review to see how it goes.
 
Me: Oh Really (sounding a little sad )  :smileysad:
  • You know I have a long history of banking with you. Nearly all my savings are at chase and I have really come to appreciate the services you provide. 
  • I am trying to build my credit profile since I am planning to get some mortgages and car loans in the near future which in fact I also plan to get through Chase.
  • I am sure you can see i direct deposit every single pay check with you guys. 
 Is there anything you can do?
 
LO: OK let me check.  ( Checks my accounts ) . Yeah, I see you have a strong depository relationship with chase. That is one of the things we do look at when making a decision. Let me check a few more things and talk to my supervisor.
 
Puts me on hold.
 
LO: Hi , I need to ask you some questions about your income. Reads out the privacy disclosure terms to me. What is you total income gross? (I tell him x grand) Is there any other source of income besides this? ( Me: No Sir)
 
Sorry xxxx, I dont think I can go forward with this application.
 
Me: Sounding borderline pissed now like "bit$$ give me that card".  :smileymad: Well you know I am a consultant and my annual income varies from year to year. Sometime it can go as high as x grand depending on the project. Can you really help me out, i need to make airline ticket purchases this weekend and this would be a great help!!
 
LO: Ok let me let me review this again Mr xxx ( puts me on hold). OK Mr xxxxx, I think I can go ahead and give you an approval on this one for $xxxx credit line. Congratulations!
 
Forwards me to a customer service agent and she welcomes me to "sapphire preferred family" and  asks me a few questions and details further steps etc.
 
I thinks what helped even though I have a thin file is that - My depository relationship with chase, the fact that I told him i want to get car loans and home mortgages from chase in the future, and you sort of need to prove him that you can pay the annual fees.
 
Also, This card is built hella sexy. Metal sandwiched in plastic on either side I think. Everyone look  and goes "NIce Card !"   :smileyhappy:
 
 
 

 


CONGRATS!!! :smileyhappy:

 

Persistance pays off!




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
Frequent Contributor
Express
Posts: 382
Registered: ‎01-27-2012
0

Re: Chase backdoor success- SP

Welcome and Very Nice!  :smileyvery-happy:

Money Never Sleeps! ~CL $246,600 .FIC, Amex $10,000
03/05/14: EX 777 EQ 768 TU 765: Beaver Card $20.000: Barclaycard Arrival World MasterCard $20,000 Lowe's Business Amex $3,000
Amex Blue Sky $24,500: Amex Premier Rewards Gold :NPSL: Amex Costco $7000:Chase Freedom $5,000: Home Depot $8,700 Discover IT $6.000 :Citi Thank you Card $16,500: Citi Simplicity $11,500: Chase Sapphire $31,200 :smileyfrustrated:am's Club Discover $19,000 :Cap1 World MC $8500 :Vibe,Credit Union $16,000 :Walmart Discover $14,000
Macy's AMEX $10,000 Macy's Store Card $1700. Alliant C/U 15000
Epic Contributor
Creditaddict
Posts: 20,013
Registered: ‎10-23-2007
0

Re: Chase backdoor success- SP

Credit Line??!

Fico Scores: EQ 673 DCU, TU 678 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:
Regular Contributor
creditjail
Posts: 185
Registered: ‎07-23-2008
0

Re: Chase backdoor success- SP

Good job and great way to get what you want.

FICO scores:EQ- 723 (6/13), TU- 722 (6/13), EX- ?
My Wallet- AMEX BCE-17.5K, Chase Freedom-6k, Cap1- 5K, BMO Harris-5K, Wells Fargo-2K,
Store Cards-Lowes- 8K, Ashley Furniture-6K, American Furniture-2.5K,


Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
0

Re: Chase backdoor success- SP

Well played sir. 

 

CSP is da king imo when it comes to travel.  I got mine in April and am approaching 100K UR points already. lol 

I am hitting them for a CLI after I have had it six months and once our fourth or so cruise posts through it..  hehe


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Community Leader
Senior Contributor
myjourney
Posts: 26,104
Registered: ‎02-07-2013
0

Re: Chase backdoor success- SP

Welcome to the forum and a big congrats for give me that card because i'm not giving up until you do:smileywink:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13



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