topic Chase Sapphire Preferred APPROVAL in Credit Card Approvals

Chase Sapphire Preferred APPROVAL

Fmahmud84 — Fri, 12 Dec 2025 16:15:41 GMT

I applied on November 10, not expecting approval based on the response below:

I did get a letter from them 2 weeks later stating to call them to verify some info (I think my identity IIRC), but I never did. This past Wednesday, Dec. 10 (not realizing I'm reaching out 30 days exactly from applying lol), I called which I thought was the Fraud Department (888-270-2127, only learning yesterday this is actually the RECON. phone #, haha), 12 minutes before it closed, spoke to a nice dude over seas, basically confirming a few bits of info., mainly the phone #that I used on the original application because I no longer have it, and with enthusiasm, replied "AWESOME! & CONGRATULATIONS ON YOUR APPROVAL!!". Total time spent on the phone was 15 minutes, and I was like "Really, thats it? This is all it took and my lazy ass thought I was declined, therefore didn't bother reaching out a month ago, got approved? SMH.

Anyways, lol. Starting SL is $5k, which I thought is nice.

Now, around midnight this morning I applied for the Ink Business Unlimited card, only to receive an identical response to the CSP application lol:

I'm not saying the results are going to be the same.....but I sure hope they will be, haha. Also, this time I won't wait a month to reach out for results. Maybe tonight/tomorrow I will reach out to their Business Recon.

Also below is the response I got when submitting the Ink Unlimited application on the webpage:

Fingers crossed!

Re: Chase Sapphire Preferred APPROVAL

dfwxjer — Fri, 12 Dec 2025 16:13:23 GMT

Congrats on the CSP approval!

Re: Chase Sapphire Preferred APPROVAL

Fmahmud84 — Fri, 12 Dec 2025 16:16:02 GMT

Thanks!

Re: Chase Sapphire Preferred APPROVAL

BrutalBodyShots — Fri, 12 Dec 2025 17:57:10 GMT

Congrats on the CSP approval! You just snuck in with that $5k SL, but in is in and that's what matters!

Re: Chase Sapphire Preferred APPROVAL

Fmahmud84 — Fri, 12 Dec 2025 19:16:40 GMT

haha, I appreciate that. Initially, I thought "Man, if I had reached out to Chase a few weeks after applying, or when I got the request verification letter, could I have gotten a higher limit, etc." lol, but I'm happy regardless. Actually, I'm happier that the approval process over the phone was literally verifying my cell # on the application, and thats it haha.

I'm praying the CIU will be just as smooth!

Re: Chase Sapphire Preferred APPROVAL

911gt34life — Fri, 12 Dec 2025 19:44:42 GMT

Congrats

Re: Chase Sapphire Preferred APPROVAL

Aim_High — Fri, 12 Dec 2025 23:36:14 GMT

Congrats on your Chase Sapphire Preferred approval, @Fmahmud84! It's a great card.

I've been a long-time Chase customer and they made me go through that fraud verification multiple times over the last few years. I can't remember the last instant approval I ever got with them. Glad it worked out for you!

Re: Chase Sapphire Preferred APPROVAL

Mervin — Fri, 12 Dec 2025 23:41:44 GMT

Congrats and good luck!

Re: Chase Sapphire Preferred APPROVAL

Fmahmud84 — Fri, 12 Dec 2025 23:46:51 GMT

Appreciate it! This is my first Chase product so I'm pretty new to their services. TBH I didn't expect to get approved, or if I did, I figured they would have made me jump through the hoops and drawn out the process for several weeks.

at the end of the day, it was me who drew out the process of approval because I just didn't believe I would have gotten it so therefore, I told myself "what's the point." Wednesday night, 7:45 PM I was like "f*#k it" haha. at the beginning I did not know anything about the numbers you can call to have your application reconsidered, so after spending quite some time on the forums the past several weeks, I was like what the hell let me try.

Glad I did, all things to you guys!

Re: Chase Sapphire Preferred APPROVAL

Fmahmud84 — Sat, 13 Dec 2025 13:22:05 GMT

" We reviewed your recent application for a new CHASE Visa Signature business credit card account, but we

did not approve your request because:

""You have too many active accounts or too much available credit"".

ahh man, but to be fair I kinda figured this one wasn't going to happen, lol. Was worth a shot.

Re: Chase Sapphire Preferred APPROVAL

youngandcreditwrthy — Sat, 13 Dec 2025 16:03:21 GMT

Congrats! This is a great 1st tier starter card if that makes sense. I was there when they first started the Sapphire Preferred as the highest tier except for Maybe the Ritz Carlton you cant get any more.

this is one of the Visa Signature's that you must be able to have a $5k CL to start with to get approved!

That said, they are really heavily pushing that card. CK & Experian are both telling me to apply and I've already had the card and stopped using it lol.

Re: Chase Sapphire Preferred APPROVAL

Fmahmud84 — Sat, 13 Dec 2025 16:45:29 GMT

Wow, really? I have to admit, being able to be even considerate to get this card, let alone to actually get it, feels pretty good.
That's some rich history right there, and I'm pretty proud to be apart of it.

which is exactly why I think I need to do this reconsideration for the ink card 😂.
today, we will not even tomorrow, but sometime in the middle of next week, I feel like I must. This is the only card I've earned (feels **bleep** good to say that ha ha) in a long time. Being under 5/24, all non-vantage scores are hitting early 800s and utilization is under 10%.

You know what's funny, is that the past two days I've been reading a lot of threads here about reconsideration for all sorts of business cards and how to explain to the reps about why my business needs this card, following that impressive chart about what to do in what situation, and all of the questions being asked to all of you members regarding why and how you guys were eligible to get the cards, Questions being asked by the credit card agents and stuff, And trying to come up with my honest answers for each of those questions were potentially being asked by these representatives. Almost feels like an adventure lol.

May I ask, Based on the letter, I got, If this really is the only reason why I'm being denied, How should I go about approaching and answering this question coherently, ultimately convincing the reps that this card will greatly help and make my business thrive?

1 - You have too many active accounts or too much available credit

And thanks for the help, everyone!

EDIT: I realize I must be leaving out plenty of important info so I apologize in advance for that! I'm pretty new here in regards to fixing and improving my credit, how to obtain more of it to safely, using it to enhance and improve, well everything lol. Whatever info you guys need in order to possibly help me out, just asking answer to the best of my abilities.

Otherwise I've been a long time lurker here for years, this is a great space and believe me I've gotten years of useful credit education from these forms. Thank you all.

Re: Chase Sapphire Preferred APPROVAL

Aim_High — Sat, 13 Dec 2025 19:01:22 GMT

@Fmahmud84 wrote:
... which is exactly why I think I need to do this reconsideration for the ink card 😂.
today, we will not even tomorrow, but sometime in the middle of next week, I feel like I must. This is the only card I've earned (feels **bleep** good to say that ha ha) in a long time. Being under 5/24, all non-vantage scores are hitting early 800s and utilization is under 10%.

You know what's funny, is that the past two days I've been reading a lot of threads here about reconsideration for all sorts of business cards and how to explain to the reps about why my business needs this card, following that impressive chart about what to do in what situation, and all of the questions being asked to all of you members regarding why and how you guys were eligible to get the cards, Questions being asked by the credit card agents and stuff, And trying to come up with my honest answers for each of those questions were potentially being asked by these representatives. Almost feels like an adventure lol.

May I ask, Based on the letter, I got, If this really is the only reason why I'm being denied, How should I go about approaching and answering this question coherently, ultimately convincing the reps that this card will greatly help and make my business thrive?

1 - You have too many active accounts or too much available credit

@Fmahmud84, we're getting too far off-topic into business cards for this "Credit Card Approvals" forum. It's for personal credit only. Since the application involves a business account and they go through separate underwriting, I suggest you begin a new thread in the "Business Credit" and let us help you out there. It would also be helpful to lay out your cards by limit, reported household income, and business nature and income. Hope to see you over there and congrats again on the Preferred approval!

Re: Chase Sapphire Preferred APPROVAL

Fmahmud84 — Sun, 14 Dec 2025 09:57:19 GMT

I appreciate that, thanks! I will definitely pick your brain about business credit soon, but I guess not too soon....because I'm a forgetful idiot. Just for the hell of it, I did count all cards I've gotten recently and almost a year back.....unfortunately for me, the CSP makes card# 5, lol. Ahh, i'm kicking my self, I'm learning all these things way too late, and thats terrible for a 41yr. old, such as my self lol. If I had known about this, I would have taken the INK before the CSP, but its still a fine card.

I look forward to conversing/learning from you Lot going forward!

Re: Chase Sapphire Preferred APPROVAL

Copenix — Tue, 16 Dec 2025 07:02:47 GMT

Good stuff - congrats on your CSP approval