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Okay so it sounds like I should recon, and I could use the practice anyway. This will be my first so what's the protocol and strategy? I figured I would say that I was looking to start a relationship with Chase and that I've heard good things about its cards and the Sapphire cards especially. Is pointing to the credit limits on my other cards I was recently approved for (Amex at $5400) a good idea? If they say I don't make enough, what's my answer to that? TYIA!
@evergreenforest wrote:Okay so it sounds like I should recon, and I could use the practice anyway. This will be my first so what's the protocol and strategy? I figured I would say that I was looking to start a relationship with Chase and that I've heard good things about its cards and the Sapphire cards especially. Is pointing to the credit limits on my other cards I was recently approved for (Amex at $5400) a good idea? If they say I don't make enough, what's my answer to that? TYIA!
What's the rest of your credit profile like? Other CC's bal/limits? Loans bal/lim? Any negative indicators? Oldest CC, AAoA?
@evergreenforest wrote:Okay so it sounds like I should recon, and I could use the practice anyway. This will be my first so what's the protocol and strategy? I figured I would say that I was looking to start a relationship with Chase and that I've heard good things about its cards and the Sapphire cards especially. Is pointing to the credit limits on my other cards I was recently approved for (Amex at $5400) a good idea? If they say I don't make enough, what's my answer to that? TYIA!
The Amex card is a good idea to bring up ---- really just depends on how thick your file is.. you'd want to tout your experiences handling larger lines and that you plan on paying in full, etc.
RECON!!!!!!!! Chase is very nice to deal with... trust me...recon
While everyone is suggesting recon, might it not cause another HP? Which may or may not be fine.
It shouldn't cause another hard pull since they already did one, the rep will ask questions about your credit profile and then decide.
$27k is the minimum if a poster on another forum is to be believed. Furthermore, a rep told me on a recon a while back that Chase uses their own internal scoring system that incorporates your base FICO score. That's why your chances for approval are boosted significantly if you have another card and/or banking accounts with Chase. In the case of having another card, keep that balance as low as possible. If you do, they will often overlook any balances you may have with other lenders.
Their words, not mine.
Good luck.
Even at 30k that is pretty low income for a 95AF travel card unless your job has you travel alot and provides reimbursement.
TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!
evergreenforest, are you asking about the Chase Sapphire or Chase Sapphire preferred?