topic Re: Chase Sapphire Preferred App in Credit Card Applications

Chase Sapphire Preferred App

Anonymous — Mon, 29 Apr 2019 20:41:08 GMT

Apped for the card through an invite. I'm below 5/24, but my scores aren't great (676 EQ, 677 TU, 734 EX). I have 3 cards with chase. Amazon which is 2 years old (they just gave me an auto CL of $1k putting me to 3k on it). I also have the Freedom and the FU both with $3,300 limits. My primary checking account is also with Chase.

The email I received said "We have received your request for a Chase credit card. We'll let you know our decision as soon as possible." It doesn't give a time frame like usually mentioned on here (7-10 days, or 30 days). Did they just rewrite the email? Or is this something new? I called the reco line immediately after apping and was told they needed verification so they transferred me. The woman who answered said it was the wrong department and put my on hold as she looked for the right department. She transferred me again and told me someone would be on the line shortly who could assist me. Instead of getting a rep, I got a robot asking me to "choose the following options". So I hung up.

Is it worth calling the reco line again? Or just wait for communication on an approval or denial?

Re: Chase Sapphire Preferred App

simplynoir — Mon, 29 Apr 2019 20:45:19 GMT

Did you call the application status line to see what message you received (7-10 days, 2 weeks, etc) for your app? You'll have a better idea on where to go from there.

Re: Chase Sapphire Preferred App

Anonymous — Mon, 29 Apr 2019 20:50:54 GMT

I tried to use the number listed but it just asked me for the last 4 digits of my credit card account number (which I obv dont have). When I used my social (after it asked for the third time) it attempted to connect me to a rep about my current cards.

That was also the strange thing about the email I received. There is no reference number attached.

Edit: just checked through my chase.com login and it says I have no pending applications. Is this because I did the app outside of my account while using a friends invite link?

Edit 2: Found the right number. I guess it was updated. 30 day message. Not looking good, I guess.

Re: Chase Sapphire Preferred App

simplynoir — Mon, 29 Apr 2019 21:04:15 GMT

The 30 day message is actually a good one if you're not automatically approved. Just means someone in underwriting needs to take a look at your application. I would wait til the message changes and go from there. If you're feeling a little antsy after a few days calling the recon line wouldn't hurt but I'd recommend you wait.

Re: Chase Sapphire Preferred App

Anonymous — Mon, 29 Apr 2019 21:06:50 GMT

Thank you for the advice. I just pulled my CR with Experian for $1. No inquiry has shown up yet, apparently. I don't know if they're just currently looking at our relationship or ~hour isn't long enough for it to reflect. I will wait at least a week (if not until the message changes) and go from there.

Re: Chase Sapphire Preferred App

simplynoir — Mon, 29 Apr 2019 21:14:28 GMT

@Anonymous wrote:
Thank you for the advice. I just pulled my CR with Experian for $1. No inquiry has shown up yet, apparently. I don't know if they're just currently looking at our relationship or ~hour isn't long enough for it to reflect. I will wait at least a week (if not until the message changes) and go from there.

Sometimes it happens. My sister applied for the CSP herself last Sunday and had to wait for the pull and then finally called them Thursday. They just wanted to send a text to her phone verifying it was her that applied for the card. After that and a few moments waiting she was approved and as far as I know the card will be here today. Once you get a notification for a pull then I would check the app status line again to see what it changes to.

Re: Chase Sapphire Preferred App

Anonymous — Mon, 29 Apr 2019 21:16:14 GMT

Will do. I appreciate the help!

Re: Chase Sapphire Preferred App

Anonymous — Mon, 29 Apr 2019 21:29:36 GMT

This happened to me on Saturday. Applied for the CSP with no instant approval. Called recon line and they said I had to speak to verification dept on Monday (this morning). The app status line said 30 days. Called this morning and they sent the code via text and basically just asked if it was indeed me who applied. Got approved for $16.7k. I’m sure you’ll be fine, good luck!

Re: Chase Sapphire Preferred App

Anonymous — Mon, 29 Apr 2019 21:33:27 GMT

Which verification line did you call?

Re: Chase Sapphire Preferred App

Anonymous — Tue, 30 Apr 2019 15:59:33 GMT

Didn’t make any new phone calls, but I checked my Chase app and looks like they added the CSP! $5,100 SL and 25% apr which I’m pretty sure are the min/max for both, but I don’t mind as I don’t carry balances. I just wanted to complete the trifecta for travel rewards. They pulled both TU and EX, which kind of sucks but I’m just glad I was approved.

Thanks for all your help guys!

Re: Chase Sapphire Preferred App

FinStar — Tue, 30 Apr 2019 16:19:12 GMT

Congrats on the approval @Anonymous.

Locking this thread as you have been approved. Feel free to start a new approval thread in the Approvals forum if you wish to do so.