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Established Contributor
Posts: 772
Registered: ‎01-03-2012
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"CHASE, I APOLOGIZE..."

I have not liked Chase since I opened a Chase Amazon Visa card in 2007, put one large charge on it, and then had them close my account in early 2008.  Of course, at that time I had absolutely no understanding of what good credit was, what it looked like in the eyes of creditors to have all your cards maxed out, etc.

 

Since I found the forum in January of this year, my scores have increased greatly by paying down revolving debt and minimizing inquiries (alright, maybe I’m not doing so well with this:smileytongue:).  And, since May I have obtained cards with Amex, Discover, USAA, and DCU (already had Citi and BoA). 

 

I need to stop apping as I will be trying for a mortgage in late Summer/Fall of 2013, but always wondered if I needed to give Chase another try as the problem was me, not them.  And from what I’ve been reading here, they’re awesome at recons if you are denied, have great CS, etc.

 

So, last night I put in one final app for the year, and applied for the Chase Sapphire Preferred:

 

Instantly approved for $7500 CL ! 

 

Hopefully this will be the beginning of a long/positive relationship with Chase. :smileyhappy:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Moderator Emeritus
Posts: 11,101
Registered: ‎12-30-2011
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Re: "CHASE, I APOLOGIZE..."

Hah, nice dude!  Thats a mucho sweet approval and I do think Chase is a good lender to have a relationship with as well.  

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: "CHASE, I APOLOGIZE..."


TNTransplant wrote:

I have not liked Chase since I opened a Chase Amazon Visa card in 2007, put one large charge on it, and then had them close my account in early 2008.  Of course, at that time I had absolutely no understanding of what good credit was, what it looked like in the eyes of creditors to have all your cards maxed out, etc.

 

Since I found the forum in January of this year, my scores have increased greatly by paying down revolving debt and minimizing inquiries (alright, maybe I’m not doing so well with this:smileytongue:).  And, since May I have obtained cards with Amex, Discover, USAA, and DCU (already had Citi and BoA). 

 

I need to stop apping as I will be trying for a mortgage in late Summer/Fall of 2013, but always wondered if I needed to give Chase another try as the problem was me, not them.  And from what I’ve been reading here, they’re awesome at recons if you are denied, have great CS, etc.

 

So, last night I put in one final app for the year, and applied for the Chase Sapphire Preferred:

 

Instantly approved for $7500 CL ! 

 

Hopefully this will be the beginning of a long/positive relationship with Chase. :smileyhappy:


Awesome, CONGRATS!!!

 




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
Established Contributor
Posts: 912
Registered: ‎06-14-2012
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Re: "CHASE, I APOLOGIZE..."


Revelate wrote:

Hah, nice dude!  Thats a mucho sweet approval and I do think Chase is a good lender to have a relationship with as well.  


+1000. I love chase so far. They are a good lending institution. Congrats on your approval!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
Posts: 797
Registered: ‎05-01-2012
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Re: "CHASE, I APOLOGIZE..."

Congrats! I just got back in with Chase this month. Approved for the CSP.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
New Visitor
Posts: 1
Registered: ‎09-16-2012
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Re: "CHASE, I APOLOGIZE..."

Awesome, I hope to build a good relationship with chase. I got approved for freedom card last week, 2k.

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: "CHASE, I APOLOGIZE..."

I joined Chase as well this week. Chase Amazon Visa (your old card) and Chase Freedom. In a year I'll app for CSP.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
Posts: 772
Registered: ‎01-03-2012
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Re: "CHASE, I APOLOGIZE..."

Thanks, everyone.  Yes, it was surprising to see the instant approval on the screen, and the CL, too.  I'm so used to getting the 7-10 day message (and then ultimately a denial) that I'm still a little in shock. :smileyhappy:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Established Contributor
Posts: 772
Registered: ‎01-03-2012
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Re: "CHASE, I APOLOGIZE..."


rtw wrote:

Congrats! I just got back in with Chase this month. Approved for the CSP.


Congrats to you!


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Established Contributor
Posts: 772
Registered: ‎01-03-2012
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Re: "CHASE, I APOLOGIZE..."


CorvetteC6 wrote:

Awesome, I hope to build a good relationship with chase. I got approved for freedom card last week, 2k.


Nice feeling, isn't it?


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

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