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Epic Contributor
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Re: Scores for Chase Sapphire Preferred?


Shock wrote:

Do you have any other existing Chase cards or banking accounts?


They seem to LOVE current cardholders and issue HUGE CL's evident of my partners instant approval of $27k (he has Freedom already for $10,500)

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
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Re: Scores for Chase Sapphire Preferred?


Shock wrote:

This makes me wonder...they double pulled me (EX EQ) here in San Francisco on both my Amazon and Freedom. Mind you, my credit limits are much much better now than when I applied for the two. Is this their policy to double pull or will a better credit file only warrant one pull?


Hard to say, I've only  been pulled once for all of my cc's.  Freedom, UMPE, ( CSP, Ritz -DH' is primary) for both CS +750 - income $162k

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Re: Scores for Chase Sapphire Preferred?


Creditaddict wrote:

They seem to LOVE current cardholders and issue HUGE CL's evident of my partners instant approval of $27k (he has Freedom already for $10,500)


 

Hmmm...Considering my Amazon was initially issued at $400, and was $700 when I apped for the Freedom a year later, a history of perfect payments only got me  $500 dollar start limit Smiley Sad

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Re: Scores for Chase Sapphire Preferred?


09Lexie wrote:
Hard to say, I've only  been pulled once for all of my cc's.  Freedom, UMPE, ( CSP, Ritz -DH' is primary) for both CS +750 - income $162k

Thanks Lexie. I will anticipate a double pull unless my score is over 750 Smiley Sad

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Re: Scores for Chase Sapphire Preferred?

I was approved not long ago instantly online for 5k. They pulled EX for me and my score was 660 with 22 INQs.  I had a paid collection from 2007 and then a week later got approved for 5k for their Marriott Premier Rewards. I've been banking with them for about a year and had my Freedom card for 4 months. I'm sure that helped. My score jumped up tremendously a month after when the 10,000 CLs were added to my reports and my baddie fell off. My utilization was at 10% and just had my new Citi TYP card report (5k limit which I hear is necessary to have at least one card with a 5k or higher before CSP is even considered). Good luck

MyFico: EX 778 EQ 787 TU 792 Diners Club WEMC 15k Chase United Club Sig 15k | JP Morgan Ritz Carlton Sig 5k | Freedom Sig 5.4k | CSP Sig 5k | Marriott Premier Sig 6k Citi Exec AA WEMC 11k | TYP Sig 5k | Hilton Reserve Sig BofA Trav Rwds Sig 10k | Cash Rwds Sig 10k | Merrill+ Sig 10k Barclay Rwds WMC 5k | Hawaiian Air WEMC 10k | Aviator Red WMC 6k Amex PRG: NPSL | SPG 3k | Costco 1.2k WF Rwds Sig 9k | Propel World Amex 2.5k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k NASA 30k Discover It 2.9k | US Bank Plat 300 | Total Rwds Sig 9k | SG Rwds 9.3k | Walmart MC 6k | Lowe's 17k | Jared 7.6k | Kay 7.6k |McCoys 3k | J Deere 5k | Care Credit 7.6k | Home Depot 14k | Amazon 5k | PayPal SC 5k | Chevron 2.5k | Macy's 1.5k | J Crew 13.75k | +3 Cards
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Re: Scores for Chase Sapphire Preferred?


Shock wrote:

09Lexie wrote:
Hard to say, I've only  been pulled once for all of my cc's.  Freedom, UMPE, ( CSP, Ritz -DH' is primary) for both CS +750 - income $162k

Thanks Lexie. I will anticipate a double pull unless my score is over 750 Smiley Sad


Shock! My man! Are you getting a CSP? You will get it I'm sure.

$600 Barclaycard® Rewards MasterCard® - Average Credit $3500 Blue Cash Everyday® Card from American Express $20k Discover it® - 18 Month Balance Transfer $8000 Chase Freedom® - $200 Bonus 11k VSiggy
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Re: Scores for Chase Sapphire Preferred?


One7 wrote:

I was approved not long ago instantly online for 5k. They pulled EX for me and my score was 660 with 22 INQs.  I had a paid collection from 2007 and then a week later got approved for 5k for their Marriott Premier Rewards. I've been banking with them for about a year and had my Freedom card for 4 months. I'm sure that helped. My score jumped up tremendously a month after when the 10,000 CLs were added to my reports and my baddie fell off. My utilization was at 10% and just had my new Citi TYP card report (5k limit which I hear is necessary to have at least one card with a 5k or higher before CSP is even considered). Good luck


This gives me hope...my 16.6 AMEX limit hasnt reported yet, but my initial 7k limit has. Do you think that will make a difference in approval odds?

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Re: Scores for Chase Sapphire Preferred?


Shock wrote:

One7 wrote:

I was approved not long ago instantly online for 5k. They pulled EX for me and my score was 660 with 22 INQs.  I had a paid collection from 2007 and then a week later got approved for 5k for their Marriott Premier Rewards. I've been banking with them for about a year and had my Freedom card for 4 months. I'm sure that helped. My score jumped up tremendously a month after when the 10,000 CLs were added to my reports and my baddie fell off. My utilization was at 10% and just had my new Citi TYP card report (5k limit which I hear is necessary to have at least one card with a 5k or higher before CSP is even considered). Good luck


This gives me hope...my 16.6 AMEX limit hasnt reported yet, but my initial 7k limit has. Do you think that will make a difference in approval odds?


Income will matter too ESP if you are borderline

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Re: Scores for Chase Sapphire Preferred?


 

Vegas247 wrote:

 

Shock! My man! Are you getting a CSP? You will get it I'm sure.

 


 

Really considering it...but my Freedom has 5% back on food right now..and I will milk that sucker first. Will also raise my internal score with Chase before apping!

 

 

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Re: Scores for Chase Sapphire Preferred?


Shock wrote:

This makes me wonder...they double pulled me (EX EQ) here in San Francisco on both my Amazon and Freedom. Mind you, my credit limits are much much better now than when I applied for the two. Is this their policy to double pull or will a better credit file only warrant one pull?


I'm also in the bay area and Chase double puled EX/EQ for my CSP when I apped last year, I had myFico EX 817/ EQ 802. I apped a few days later for the Freedom and Chase double pulled EX/TU, myFico TU 776 (one account randomly comes and goes). I apped for the Hyatt 2 weeks ago and Chase double pulled EX/EQ myFico EX 767 / EQ 755.

 

My highest CL at the time of CSP was $10K, approved for $10K. Freedom approved for $13K. Hyatt was just approved for $10K.

 

I had a bit of a history with Chase in the past, so that may or may not warrant double pulls... I have no idea. But my scores, low util, no baddies, good size CLs, didn't seem to make a difference and still cost me 2 HP per app w/Chase.

 

Hope ths helps

7/11/14 EX 764 - EQ 756 - TU 783 -- (myFico) | 02/14/15 TU 797 (Barclay) | 01/10/15 EX 781 (FNBO) | Mouseover for CLs

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