topic Re: chase sapphire preferred got message to call in Credit Cards

chase sapphire preferred got message to call

ashi1989 — Mon, 18 Aug 2014 04:42:22 GMT

Today i applied to capital one quicksilver and got instant approval for 10k

later on i applied for chase sapphire preferred and i received a message to call them as soon as possible for some information verification

i have only 2 inquiries and does anyone knows what is there question?

thanks

Re: chase sapphire preferred got message to call

-Cal- — Mon, 18 Aug 2014 04:51:20 GMT

They probably want you to verify your information/identity. It happens sometimes, nothing to worry about.

Re: chase sapphire preferred got message to call

Kenny — Mon, 18 Aug 2014 04:51:25 GMT

@ashi1989 wrote:
Hi

Today i applied to capital one quicksilver and got instant approval for 10k
later on i applied for chase sapphire preferred and i received a message to call them as soon as possible for some information verification
i have only 2 inquiries and does anyone knows what is there question?

thanks

This.

Re: chase sapphire preferred got message to call

Josh2942 — Mon, 18 Aug 2014 04:56:42 GMT

most likely an approval

Re: chase sapphire preferred got message to call

ashi1989 — Mon, 18 Aug 2014 05:00:20 GMT

thats what i was thinking to some identity veryfication right. i dont think that i will be denied my fico score is 740

its just i always having hard time talking with the banks

Re: chase sapphire preferred got message to call

Josh2942 — Mon, 18 Aug 2014 05:06:00 GMT

Chase has a very friendly fraud department. Don't worry they will ask you questions based on your report

Re: chase sapphire preferred got message to call

lg8302ch — Mon, 18 Aug 2014 09:17:53 GMT

Happens to me with all Chase apps.... it is for verification. On first app I had to answer questions from my credit report and on card # 2 and 3 it was questions about my other cards like last payment amount, CL, statement dates or due dates, last statement balance, etc... similar to that. When I call I am logged in to my account as these questions I could not answer without looking/peaking at my account

Re: chase sapphire preferred got message to call

ashi1989 — Mon, 18 Aug 2014 09:20:42 GMT

So i need to remember everything from my credit creport to not mess up with application.

if i will get approved for this card can i apply right away for another chase or should wait couple month ?

Re: chase sapphire preferred got message to call

lg8302ch — Mon, 18 Aug 2014 09:40:43 GMT

@ashi1989 wrote:
So i need to remember everything from my credit creport to not mess up with application.
if i will get approved for this card can i apply right away for another chase or should wait couple month ?

Well it is multiple choice questions from your credit report so that helps... asks for name, addresses and stuff you should remember. My favorite is the counties where I really have to pay attention because I used some addresses only for mailing purposes and then the county is something you hardly ever use.

I did mess up verification for DCU with the question when the building was built to my present address...this was such a stupid question that I honestly doubt I could have answered if I owned the building but I am renting. So how the heck shall a tenant know this question? DCU asked me to find out and I said no thanks I am not interested to know the answer to this silly question. I asked them to remove my HP and let it be. Chase program made a whole lot more sense to me.

Is this your first Chase card? I know many here will not agree with my answer to another Chase app. For me I would never do it and wait another 6 months but that is me and I also do not like the sprees. I made a terrible experience on my first and only spree ...ended up with 22,99% APR on my Freedom as card #4 in my spree and first Chase card with Fico of 790 but Chase used their internal scoring and this was 691 only. (thin file and 4 recent inq) For me lesson learnt and slowly adding my cards with at least 6 months gap inbetween and max of 2 cards different lender and different CRAs

Good luck with your app(s)

Re: chase sapphire preferred got message to call

ashi1989 — Mon, 18 Aug 2014 09:44:29 GMT

yeah this is my first application with Chase. so if they ask me such stupid question i will definetly not know that but i have only 3 cards on my report and 2 different address

so i mean this is stupid if i don't know the answer. but if they deny me with saying they didn't verify me i can ask them to remove the inquire? and then i can't apply for any other chase in next 6 month ?

Re: chase sapphire preferred got message to call

Creditaddict — Mon, 18 Aug 2014 14:25:32 GMT

call already, it takes 1 minute and they will give you the CL on the spot if you answer correctly.

it's like what color was such car you owned (even if it's a car that maybe your dad owned, most likely they think it's yours

what state is your social security from

what month was such person you know born

the questions can be straight forward and simple and sometimes off the wall weird but just assume if they relate to you or family they want you to answer like it's yours!!

mutliple choice... go!

Re: chase sapphire preferred got message to call

ezdoesit — Mon, 18 Aug 2014 16:42:11 GMT

@Creditaddict wrote:
call already, it takes 1 minute and they will give you the CL on the spot if you answer correctly.
it's like what color was such car you owned (even if it's a car that maybe your dad owned, most likely they think it's yours
what state is your social security from
what month was such person you know born

the questions can be straight forward and simple and sometimes off the wall weird but just assume if they relate to you or family they want you to answer like it's yours!!
mutliple choice... go!

+1 Or you had a car loan what bank was it from how much was the payment. How much is your mortgage payment? Remember some of the questions can be does not apply. So just answer to the best of your knowledge.