Chase sapphire preferred- Should I apply

JAREZZ · ‎08-02-2012

I really want to apply for a CSP, but don't want to get denied. I have a CC through a credit union with a 2,000 limit. I have a car loan and a rental property. My CS on Experian 748 (Fako) and on TU and EQ are both about 720. I also have student loans but they are deferred. No baddies except for a late pay in 2008 (30 day). Do I have a chance...

Repo-ed · ‎08-02-2012

www.whogavemcredit.com

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

JAREZZ · ‎08-02-2012

Thanx, I went there and it seems that here in Tx they use either Ex or EQ ... I'm still uncertain don't want a denied inq.

Repo-ed · ‎08-02-2012

Personally, I would say no for two reasons: No current CC in your file close to 5k CL & 30 day late.

You need to find a card (Visa) that will get you close to a 5k CL, perhaps from a CU, then that will certainly help your chances for a recon.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

FrugalRican · ‎08-02-2012

+1 to Repo-ed.

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

JAREZZ · ‎08-02-2012

I think I'll ask for a CL for the CC I already have, hopefully that would put me on the right track.

searchingfor67 · ‎08-02-2012

@Repo-ed wrote:
Personally, I would say no for two reasons: No current CC in your file close to 5k CL & 30 day late.

You need to find a card (Visa) that will get you close to a 5k CL, perhaps from a CU, then that will certainly help your chances for a recon.

+1

MarineVietVet · ‎08-02-2012

@Repo-ed wrote:
www.whogavemcredit.com

When I ty to go there the link is broken. Anyone else having problems?

OhioCPA · ‎08-02-2012

Isn't it www.whogavemecredit.com ?

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MarineVietVet · ‎08-02-2012

@OhioCPA wrote:
Isn't it www.whogavemecredit.com ?

You are correct.

Someone typed it in wrong.