topic Re: Chase Sapphire Preferred APP in Credit Cards

Chase Sapphire Preferred APP

Anonymous — Mon, 07 Nov 2011 23:16:33 GMT

Hey i went online and applied for this card. I got a message that said they where going to review my infomation what dose this mean?

Re: Chase Sapphire Preferred APP

Anonymous — Mon, 07 Nov 2011 23:31:24 GMT

@Anonymous wrote:
Hey i went online and applied for this card. I got a message that said they where going to review my infomation what dose this mean?

Was it the 7-10 message?

This usually means they just want to go over your report/s line by line because you did not meet their criteria to be instantly approved, or it could be something as simple as......something you put in your app did not match what your credit report shows.

I'd call the backdoor number

Chase: 888-270-2127 (App recon)
Chase: 888-245-0625 (Credit Analyst - Recons)

From what I understand, this is a VERY hard card to get, I'm not sure I'd even app for this card with my FICOS. However, I DO want this card, eventually.

Best of Luck!

Re: Chase Sapphire Preferred APP

Walt_K — Mon, 07 Nov 2011 23:37:08 GMT

@Anonymous wrote:
@Anonymous wrote:
Hey i went online and applied for this card. I got a message that said they where going to review my infomation what dose this mean?
Was it the 7-10 message?

This usually means they just want to go over your report/s line by line because you did not meet their criteria to be instantly approved, or it could be something as simple as......something you put in your app did not match what your credit report shows.

I'd call the backdoor number

Chase: 888-270-2127 (App recon)
Chase: 888-245-0625 (Credit Analyst - Recons)

From what I understand, this is a VERY hard card to get, I'm not sure I'd even app for this card with my FICOS. However, I DO want this card, eventually.

Best of Luck!

Come on. You don't seriously expect that the approval standards are that high do you? Modesty is great and all that, but let's not discourage people from applying for the card because they don't have average 790+ FICO scores, unless there are some real indications that the approval standards are that high. I haven't seen anything to suggest you need scores that high for this card.

Re: Chase Sapphire Preferred APP

CreditCrusader — Mon, 07 Nov 2011 23:39:33 GMT

@Walt_K wrote:
@Anonymous wrote:
@Anonymous wrote:
Hey i went online and applied for this card. I got a message that said they where going to review my infomation what dose this mean?
Was it the 7-10 message?

This usually means they just want to go over your report/s line by line because you did not meet their criteria to be instantly approved, or it could be something as simple as......something you put in your app did not match what your credit report shows.

I'd call the backdoor number

Chase: 888-270-2127 (App recon)
Chase: 888-245-0625 (Credit Analyst - Recons)

From what I understand, this is a VERY hard card to get, I'm not sure I'd even app for this card with my FICOS. However, I DO want this card, eventually.

Best of Luck!
Come on. You don't seriously expect that the approval standards are that high do you? Modesty is great and all that, but let's not discourage people from applying for the card because they don't have average 790+ FICO scores, unless there are some real indications that the approval standards are that high. I haven't seen anything to suggest you need scores that high for this card.

I have to agree with Walt on this one, but I WOULD like to know about where you need to be to get in the door with this issuer.

Re: Chase Sapphire Preferred APP

Anonymous — Mon, 07 Nov 2011 23:43:38 GMT

I applied for the card recently and was instantly approved. My Fico was 754.

Re: Chase Sapphire Preferred APP

Anonymous — Mon, 07 Nov 2011 23:44:15 GMT

Yea i called the number and the man i talked to was very nice he just approved me for 5000.00 said i had high ulti but he approved me my tu is 700 and my ex is 699

Re: Chase Sapphire Preferred APP

Anonymous — Mon, 07 Nov 2011 23:50:16 GMT

I was approved with 748.

Re: Chase Sapphire Preferred APP

Anonymous — Mon, 07 Nov 2011 23:51:07 GMT

@Walt_K wrote:
@Anonymous wrote:
@Anonymous wrote:
Hey i went online and applied for this card. I got a message that said they where going to review my infomation what dose this mean?
Was it the 7-10 message?

This usually means they just want to go over your report/s line by line because you did not meet their criteria to be instantly approved, or it could be something as simple as......something you put in your app did not match what your credit report shows.

I'd call the backdoor number

Chase: 888-270-2127 (App recon)
Chase: 888-245-0625 (Credit Analyst - Recons)

From what I understand, this is a VERY hard card to get, I'm not sure I'd even app for this card with my FICOS. However, I DO want this card, eventually.

Best of Luck!
Come on. You don't seriously expect that the approval standards are that high do you? Modesty is great and all that, but let's not discourage people from applying for the card because they don't have average 790+ FICO scores, unless there are some real indications that the approval standards are that high. I haven't seen anything to suggest you need scores that high for this card.

That was not my intent and I believe you know that, I have been researchng this card and I have read that it is not an easy card to obtain, not the hardest to get, however, I don't think someone with a 700 725 FICO will get this card, I could very well be wrong, I'm not God and can't predict the future.

I made a statement based on the research I've done.

Regarding modesty, In all honesty, I feel VERY confident, I could get this card tonight if I applied for it.

I could have left out that last part about myself not even apping for this card with my scores, I was trying to make a point, and the point was I have read this is a hard card to get. (Dumb statement on my part? Yes maybe) but don't accuse me of discouraging people from applying for the card, because that was NOT my intent!!

Re: Chase Sapphire Preferred APP

CreditCrusader — Mon, 07 Nov 2011 23:53:17 GMT

That was not my intent and I believe you know that, I have been researchng this card and I have read that it is not an easy card to obtain, not the hardest to get, however, I don't think someone with a 700 725 FICO will get this card, I could very well be wrong, I'm not God and can't predict the future.

See post two spots above yours...evidently, it CAN be done!

Re: Chase Sapphire Preferred APP

Anonymous — Mon, 07 Nov 2011 23:55:20 GMT

There ya go, I was wrong, just goes to show no matter how much research one does, it can be very undependable.

i apologize for giving inaccurate info, I strive VERY hard to give accurate info when I reply to someones question, but, sometimes I am wrong.

Re: Chase Sapphire Preferred APP

Anonymous — Mon, 07 Nov 2011 23:57:24 GMT

One drawback of only seeing words on a screen is not always knowing the writer's intent. I know I have been guilty of this.

It's better just to move on.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Chase Sapphire Preferred APP

Anonymous — Mon, 07 Nov 2011 23:58:03 GMT

i am pretty happy the only thing that was throwing it off was my boa visa siggy card was repoting a high balance i told him its not reporting all my balance he didn't seem to know what i was talking about told him it was a flex credit card

Re: Chase Sapphire Preferred APP

Anonymous — Tue, 08 Nov 2011 00:02:05 GMT

@Anonymous wrote:

One drawback of only seeing words on a screen is not always knowing the writer's intent. I know I have been guilty of this.

It's better just to move on.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

I'll put my tail between my legs and move on, I was wrong and I truly apologize for that.

Re: Chase Sapphire Preferred APP

Anonymous — Tue, 08 Nov 2011 00:05:30 GMT

Mustanglvr2006 wrote:

I'll put my tail between my legs and move on, I was wrong and I truly apologize for that.

I would probably be shocked if I went back through older posts and read all the times I've been "less than correct" about something.

Re: Chase Sapphire Preferred APP

Anonymous — Tue, 08 Nov 2011 00:09:14 GMT

I think it is a harder to get card and more then just score is factored in but I believe it is recommended to have a 750+ score to qualify. That is based on research I've done on getting approved for this card.

Re: Chase Sapphire Preferred APP

Anonymous — Tue, 08 Nov 2011 00:14:58 GMT

@Anonymous wrote:
@Anonymous wrote:

I'll put my tail between my legs and move on, I was wrong and I truly apologize for that.

I would probably be shocked if I went back through older posts and read all the times I've been "less than correct" about something.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Thanks for the support, I know this is not the first time I've been wrong, but I'd love for it to be the last (highly unlikely tho )

Re: Chase Sapphire Preferred APP

CreditCrusader — Tue, 08 Nov 2011 00:18:22 GMT

@Anonymous wrote:
There ya go, I was wrong, just goes to show no matter how much research one does, it can be very undependable.

i apologize for giving inaccurate info, I strive VERY hard to give accurate info when I reply to someones question, but, sometimes I am wrong.

It's all good...I have come to the conclusion that this is all YMMV. I was approved for Barclay with a 616 TU FICO, yet others with 700+ scores weren't. I have seen people with 625 EQ FICOs get Discovers.

All that having been said, I'd give anything to be you - wrong in this one, isolated instance, but sitting with 800s - than me in the credit world right now

Re: Chase Sapphire Preferred APP

Anonymous — Tue, 08 Nov 2011 00:27:00 GMT

@CreditCrusader wrote:
@Anonymous wrote:
There ya go, I was wrong, just goes to show no matter how much research one does, it can be very undependable.

i apologize for giving inaccurate info, I strive VERY hard to give accurate info when I reply to someones question, but, sometimes I am wrong.
It's all good...I have come to the conclusion that this is all YMMV. I was approved for Barclay with a 616 TU FICO, yet others with 700+ scores weren't. I have seen people with 625 EQ FICOs get Discovers.

All that having been said, I'd give anything to be you - wrong in this one, isolated instance, but sitting with 800s - than me in the credit world right now

I believe you hit the nail on the head with that statement, I've been reading posts here lately where people are getting approved for Prime cards with sub 700 FICOS, negatives on their reports etc.... and getting super high CL's, so I should have known better to make the statement I made.

You will be where I am score wise, just keep on keeping on.

Thank you for your reply, I appreciate it very much.

Re: Chase Sapphire Preferred APP

mxp114 — Tue, 08 Nov 2011 00:30:06 GMT

I'm glad for approvals, but am surprised to hear of sub-700 approvals for prime cards. Like the guy that was approved for a $6000 Citi Platinum Select card with a 635. I guess the prime lenders are now softening the criteria to qualify for card products.

Re: Chase Sapphire Preferred APP

Anonymous — Tue, 08 Nov 2011 00:38:23 GMT

@mxp114 wrote:
I'm glad for approvals, but am surprised to hear of sub-700 approvals for prime cards. Like the guy that was approved for a $6000 Citi Platinum Select card with a 635. I guess the prime lenders are now softening the criteria to qualify for card products.

Wasn't there two posts recently where two dif members with pretty low scores and IIRC negatives on their reports being approved for a NFCU CC with CL's of 15K+

I've said it before and I'll say it again, nothing surprises me anymore when it comes to CCC's and thier approval standards, it's all a YMMV like CreditCrusader said.