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Scores for Chase Sapphire Preferred?

Epic Contributor

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)

Message 11 of 44
Moderator Emerita

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

Message 12 of 44
Established Contributor

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

 photo myfico_zpsd00088cb.jpg
Message 13 of 44
Established Contributor

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

 photo myfico_zpsd00088cb.jpg
Message 14 of 44
Valued Contributor

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

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 15 of 44
Established Contributor

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 $6500 Blue Cash Everyday® Card from American Express $30k credit card16k Chase Freedom® - $200 Bonus12k VSiggy
Message 16 of 44
Established Contributor

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?

 photo myfico_zpsd00088cb.jpg
Message 17 of 44
Moderator Emerita

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

Message 18 of 44
Established Contributor

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!

 

 

 photo myfico_zpsd00088cb.jpg
Message 19 of 44
Established Contributor

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

07/12/17 EX FICO Score 8 804 (AMEX) | 06/19/17 TU FICO Score 8 823 (BofA) | 07/08/17 EX FICO Bankcard Score 8 833 (FNBO)
Mouseover for CLs


Message 20 of 44