topic Sapphire chances? in Credit Cards

Sapphire chances?

Anonymous — Mon, 01 Apr 2013 19:13:23 GMT

Currently waiting for my amex green, got my boa unsecured, what are my chances of getting approved for the sapphire? I got the 7 day message. Even witg a recon lol?

Re: Sapphire chances?

09Lexie — Mon, 01 Apr 2013 19:15:26 GMT

Always recon. Do you have any CL around $5k?

Re: Sapphire chances?

Anonymous — Mon, 01 Apr 2013 19:26:01 GMT

I actually do not have a 5k credit line. What would be a good addition then with my credit scores? Amex is nice but would love to get something with a credit line.

Re: Sapphire chances?

09Lexie — Mon, 01 Apr 2013 19:29:32 GMT

Did you already apply?

Re: Sapphire chances?

Anonymous — Mon, 01 Apr 2013 19:33:13 GMT

@Anonymous wrote:
I actually do not have a 5k credit line. What would be a good addition then with my credit scores? Amex is nice but would love to get something with a credit line.

what he means is, do you have any credit cards that has 5000 credit limit or higher right now?

Chase usually likes to match CL, rather than to be the guinea pig themselves.

What is your AAoA and can you tell us more info so we can tell you? Did you apply for the sapphire, or sapphire prefered?

Oh, and call recon definitely.

Re: Sapphire chances?

09Lexie — Mon, 01 Apr 2013 19:34:33 GMT

Thanks enharu but I'm a she not a he. Lol

Re: Sapphire chances?

Anonymous — Mon, 01 Apr 2013 19:38:16 GMT

@09Lexie wrote:
Thanks enharu but I'm a she not a he. Lol

Easy mistake to make, most 09s I know are male.

Re: Sapphire chances?

Anonymous — Mon, 01 Apr 2013 19:41:21 GMT

@09Lexie wrote:
Thanks enharu but I'm a she not a he. Lol

my bad lol. Sorry!!! I know you're female but for some reason I still mistyped. Monday blues :/

Re: Sapphire chances?

sarkell — Mon, 01 Apr 2013 19:48:01 GMT

Recon I had no 5k lines but a 3k one but all it was was some verfication. My big lesson alwaysc recon if you can.

Re: Sapphire chances?

09Lexie — Mon, 01 Apr 2013 19:51:25 GMT

@ enharu

No problem.

Re: Sapphire chances?

Anonymous — Mon, 01 Apr 2013 19:59:22 GMT

@sarkell wrote:
Recon I had no 5k lines but a 3k one but all it was was some verfication. My big lesson alwaysc recon if you can.

what credit line did you get?

Re: Sapphire chances?

Anonymous — Mon, 01 Apr 2013 20:36:24 GMT

Yes i already applied, still under review. I called but was told they are still reviewing in order to make a decision. And no, i do not have a card with a 500 limit.

Re: Sapphire chances?

09Lexie — Mon, 01 Apr 2013 20:41:20 GMT

I'm sorry, I might have missed it but what cc's do you have other than the new Amex and unsecured BoA?

Re: Sapphire chances?

Anonymous — Mon, 01 Apr 2013 20:42:25 GMT

It was also te regular sapphire not preffered. And my accounts are a year and a half old, with a lease thats 8 months and has always been payed on time.

Re: Sapphire chances?

09Lexie — Mon, 01 Apr 2013 20:45:01 GMT

Again, what accounts?

Re: Sapphire chances?

BearsAndTurtlesRtheBest — Mon, 01 Apr 2013 20:47:55 GMT

Yes what are your accounts? and there CL List all your accts as well as your scores. That way they can let you know your chances of approval.

Re: Sapphire chances?

Anonymous — Mon, 01 Apr 2013 20:50:11 GMT

tell us what accounts you briefly have (just approximates will do, if you don't want to reveal too much) so people can help you out a lot better.

in the meantime, call these numbers:

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

Re: Sapphire chances?

Anonymous — Mon, 01 Apr 2013 21:22:57 GMT

Oppss sorry guys!! And no i have no problems sharing: boa 700, cap one 300, and now amex npsl

Re: Sapphire chances?

Anonymous — Mon, 01 Apr 2013 21:33:40 GMT

@Anonymous wrote:
Oppss sorry guys!! And no i have no problems sharing: boa 700, cap one 300, and now amex npsl

Its asking a lot of them to give you a Sapphire. Not unheard of if you have a strong income and low inquiries, but like has been said already, Chase does not like to be the guinea pig.

Having said that, since you have already applied and the damage (inquiry) is already done. Calling the Recon line is the best path.

If they decline you, perhaps ask and beg them to use the same report (they probably won't) to evaluate you for a Freedom. I personally believe even the Freedom just yet is a bit of a stretch but its a lot less of a stretch than the Sapphires will be.

A concern for you now is taking too many inquiries which result in denials. That is never a good thing.

Capital One has a proven history of helping new credit card holders get in the game via their Platinum mastercard "Credit Steps" program.

If you have a checking account at Chase with a few grand in it, be sure and remind them of that fact. If not, consider opening one?

If they do give you a card, make sure you PIF each month so it does not carry a balance for at least 6 months. If you can pull that off, it will put you in a a different level for the next card.

I hope it works out for you.

Re: Sapphire chances?

09Lexie — Mon, 01 Apr 2013 21:32:27 GMT

Good luck others may have a different opinion but I think your chances are slim. Maybe the Freedom first, keep for 6 mos then try for CS or CSP