topic Re: Denied for Chase Sapphire Preferred; Recon for Freedom? in Credit Cards

Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 22 Aug 2014 14:02:41 GMT

OK. I did something mildly silly. I apped for a CSP and got denied. I called the backdoor number. They said that I went BK in 2009 and because of that do not qualify for CSP. Yeah, I know. I should have done more research about how conservative Chase is.

I explained that I have had Chase checking for 15 years and have had Chase direct deposit for 5...have a good income etc. They would not budge.

Think I should call back and see if I can talk my way into a Freedom? I don't really need the card, but I feel like I wasted a hard pull if I don't get anything out of it.

Or, should I just leave it alone so I don't decrease the average age of my accounts?

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

destine2grow — Fri, 22 Aug 2014 14:04:47 GMT

It's worth a try since you have already taken an HP! Good luck!

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

09Lexie — Fri, 22 Aug 2014 17:48:56 GMT

You would not be able to use the same hp for a different product. Up to you if you want to take another hp.

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 22 Aug 2014 18:41:45 GMT

Wow, 09Lexie, if that is true. Forget it. I don't need the card and I certainly don't need another hard pull. I guess I will give it another year or so and try for whatever is the CSP equivelant again.

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 22 Aug 2014 18:47:03 GMT

Curious. Did you try the Chase pre-qual site before app'ing?

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 22 Aug 2014 19:20:42 GMT

I did not. Amature move, I know.

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Kenny — Fri, 22 Aug 2014 19:23:16 GMT

Chase is NOT Bk friendly.

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 21 Nov 2014 15:40:38 GMT

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 21 Nov 2014 16:27:31 GMT

@Anonymous wrote:
"Mod edit fo remove pic"

I wish chase would pull TU for me =/

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 21 Nov 2014 14:25:14 GMT

@09Lexie wrote:
You would not be able to use the same hp for a different product. Up to you if you want to take another hp.

I used the same HP for different Chase products.

Twice.

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 21 Nov 2014 14:48:31 GMT

@Anonymous wrote:
@09Lexie wrote:
You would not be able to use the same hp for a different product. Up to you if you want to take another hp.
I used the same HP for different Chase products.

Twice.

I applied Freedom first then hours later i applied Sapphire Preferred. They used the same report without the additonal inquiry. If i were to apply Sapphire first they may have pulled EQ and would have used that instead. That's why i applied Freedom first.

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Chaselover — Fri, 21 Nov 2014 16:28:52 GMT

@Anonymous wrote:
"Mod edit fo remove pic"

Rejected with a score of 752 ?? How much do they expect then?

Haha I loved that gif.

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 21 Nov 2014 14:52:42 GMT

This is 752 on a 900 point scale, so not the same as the 850 FICO. Also, the (alleged!) default might have been the bigger reason for rejection.

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 21 Nov 2014 14:55:52 GMT

@Anonymous wrote:
This is 752 on a 900 point scale, so not the same as the 850 FICO. Also, the (alleged!) default might have been the bigger reason for rejection.

i really dont know they sure didnt have a problem giving me Freedom.

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 21 Nov 2014 15:25:27 GMT

@Anonymous wrote:
@Anonymous wrote:
This is 752 on a 900 point scale, so not the same as the 850 FICO. Also, the (alleged!) default might have been the bigger reason for rejection.
i really dont know they sure didnt have a problem giving me Freedom.

I got both with a CARS score that's 100pts lower than yours...

It's definitely the "default"

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

CreditCuriosity — Fri, 21 Nov 2014 15:30:27 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
This is 752 on a 900 point scale, so not the same as the 850 FICO. Also, the (alleged!) default might have been the bigger reason for rejection.
i really dont know they sure didnt have a problem giving me Freedom.
I got both with a CARS score that's 100pts lower than yours...

It's definitely the "default"

Got my internal chase scores and I am at a 712... So tempted so go for the CSP, which I would of done it the same day as the freedom so it would of hopefully been the same TU pull.. Anyways, will give them a few months on my freedom to see my usage and PIF each month and go for the CSP then. Ugh I met my $500 dollar spend requirement the day after I got my card.. Dog had to goto vet.. Yep fun way to spend approx. $500.. least it was done and paying it off once it posts here today or tomorrow.

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 21 Nov 2014 16:19:41 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
This is 752 on a 900 point scale, so not the same as the 850 FICO. Also, the (alleged!) default might have been the bigger reason for rejection.
i really dont know they sure didnt have a problem giving me Freedom.
I got both with a CARS score that's 100pts lower than yours...

It's definitely the "default"

Statute of Limitations

A statute of limitation is the length of time someone can bring a legal suit against you. Below is a state-by-state list of Statue of Limititations.

Statute of Limititation for unpaid Credit Card bills: If you fall behind in your credit card payments, the card issuer can sue you for payment. The start date for the statute of limitations is the date of your last payment. For example, if your last payment was on January 10, 2003, and the statute of limitation in your state for credit card debt is seven years, your card issuer has until January 10, 2010 to sue you to recover the unpaid debt.

Please note: That some states consider credit card agreements to be an oral contract,other states consider it a written contract, and some states have specific laws pertaining to credit card lawsuits. If you have unpaid credit card debt and are concerned about your legal rights, a lawyer can brief you on the specific laws for your state.

State List of Statutes of Limitations

STATE	STATUTE CITATIONS	ORAL	WRITTEN	PROMISSORY	OPEN-ENDED ACCOUNTS
ALABAMA	Ala. Code § 6-2-2 et. seq.	6	6	6	3
ALASKA	Alaska Stat. § 09.10.010 et. seq.	6	6	3	3
ARIZONA	Ariz. Rev. Stat. Ann. § 12-541 et. seq.	3	6	6	3
ARKANSAS	Ark. Code Ann. § 16-56-101 et. seq.	6	6	3	3
CALIFORNIA	Cal. Civ. Proc. Code § 312 et. seq.	2	4	4	4
COLORADO	Colo. Rev. Stat. § 13-80-102 et. seq.	6	6	6	6
CONNECTICUT	Conn. Gen. Stat. Ann. § 52-576 et. seq.	3	6	6	3
DELAWARE	Del. Code Ann. bleep. 10, § 8101 et. seq.	3	3	3	4
DISTRICT OF COLUMBIA	D.C. Code § 12-301 et. seq.	3	3	3	3
FLORIDA	Fla. Stat. Ann. § 95.011 et. seq.	4	5	5	4
GEORGIA	Ga. Code Ann. § 9-3-20 et. seq.	4	6	6**	4
HAWAII	Haw. Rev. Stat. § 657-1 et. seq.	6	6	6	6
IDAHO	Idaho Code § 5-201 et. seq.	4	5	5	4
ILLINOIS	735 Ill. Comp. Stat. 5/13-201 et. seq.	5	10	10	5
INDIANA	Ind. Code Ann. § 34-11-2-1 et. seq.	6	10	10	6
IOWA	Iowa Code Ann. § 614.1 et. seq.	5	10	5	5
KANSAS	Kan. Stat. Ann. § 60-501 et. seq.	3	6	5	3
KENTUCKY	Ky. Rev. Stat. Ann. § 413.080 et. seq.	5	15	15	5
LOUISIANA	La. Civil Code § 3492 et. seq.	10	10	10	3
MAINE	Me. Rev. Stat. Ann. bleep. 14, § 751 et. seq.	6	6	6	6
MARYLAND	Md. Courts & Jud. Proc. Code Ann. § 5-101 et. seq.	3	3	6	3
MASSACHUSETTS	Mass. Ann. Laws ch. 260, § 1 et. seq.	6	6	6	6
MICHIGAN	Mich. Comp. Laws § 600.5801 et. seq.	6	6	6	6
MINNESOTA	Minn. Stat. Ann. § 541.01 et. seq.	6	6	6	6
MISSISSIPPI	Miss. Code. Ann. § 15-1-1 et. seq.	3	3	3	3
MISSOURI	Mo. Rev. Stat. § 516.097 et. seq.	5	10	10	5
MONTANA	Mont. Code Ann. § 27-2-2021 et. seq.	5	8	8	5
NEBRASKA	Neb. Rev. Stat. § 25-201 et. seq.	4	5	5	4
NEVADA	Nev. Rev. Stat. Ann. § 11.010 et. seq.	4	6	3	4
NEW HAMPSHIRE	N.H. Rev. Stat. Ann. § 508:1 et. seq.	3	3	6	3
NEW JERSEY	N.J. Stat. Ann. § 2a:14-1 et. seq.	6	6	6	6
NEW MEXICO	N.M. Stat. Ann. § 37-1-1 et. seq.	4	6	6	4
NEW YORK	N.Y. Civ. Prac. Laws & Rules § 201 et. seq.	6	6	6	6
NORTH CAROLINA	N.C. Gen. Stat. § 1-46 et. seq.	3	3	5	3
NORTH DAKOTA	N.D. Cent. Code § 28-01-01 et. seq.	6	6	6	6
OHIO	Ohio Rev. Code Ann. § 2305.03 et. seq.	6	15	15	6
OKLAHOMA	Okla. Stat. Ann. bleep. 12, § 93 et. seq.	3	5	5	3
OREGON	Or. Rev. Stat. § 12.010 et. seq.	6	6	6	6
PENNSYLVANIA	42 Pa. Cons. Stat. Ann. § 5501 et. seq.	4	4	4	4
RHODE ISLAND	R. I. Gen. Laws § 9-1-12 et. seq.	15	15	10	10
SOUTH CAROLINA	S.C. Code Ann. § 15-3-510 et. seq.	3	3	3	3
SOUTH DAKOTA	S.D. Codified Laws Ann. § 15-2-1 et. seq.	3	6	6	6
TENNESSEE	Tenn. Code Ann. § 28-3-101 et. seq.	6	6	6	6
TEXAS	Tex. Civ. Prac. & Rem. Code § 16.001 et. seq.	4	4	4	4
UTAH	Utah Code Ann. § 78-12-22 et. seq.	4	6	4	6
VERMONT	Vt. Stat. Ann. bleep. 12, § 506 et. seq.	6	6	5	3
VIRGINIA	Va. Code Ann. § 8.01-228 et. seq.	3	5	6	3
WASHINGTON	Wash. Rev. Code Ann. § 4.16.005 et. seq.	3	6	6	3
WEST VIRGINIA	W. Va. Code § 55-2-6 et. seq.	10	5	2	2
WISCONSIN	Wis. Stat. Ann. § 893.01 et. seq.	5	10	6	5
WYOMING	Wyo. Stat. § 1-3-102 et. seq.	8	10	10	8

** Georgia Court of Appeals came out with a decision on January 24, 2008 in Hill v. American Express that in Georgia the statute of limitations on a credit card is six years after the amount becomes due and payable

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 21 Nov 2014 15:33:02 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
This is 752 on a 900 point scale, so not the same as the 850 FICO. Also, the (alleged!) default might have been the bigger reason for rejection.
i really dont know they sure didnt have a problem giving me Freedom.
I got both with a CARS score that's 100pts lower than yours...

It's definitely the "default"
why would anyone pay a default ? that would restart the clock back 7 years or is it 8 ? in my state i think after 4 or 5 years they cannot sue you or make you pay but on credit report i think it stays longer unless you start paying it then resets the clock for another 7 or 8 years. Don't be stupid athough i don't have any default in my knowledge.

Interesting response. Note the quotes please

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 21 Nov 2014 15:36:34 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
This is 752 on a 900 point scale, so not the same as the 850 FICO. Also, the (alleged!) default might have been the bigger reason for rejection.
i really dont know they sure didnt have a problem giving me Freedom.
I got both with a CARS score that's 100pts lower than yours...

It's definitely the "default"
why would anyone pay a default ? that would restart the clock back 7 years or is it 8 ? in my state i think after 4 or 5 years they cannot sue you or make you pay but on credit report i think it stays longer unless you start paying it then resets the clock for another 7 or 8 years. Don't be stupid athough i don't have any default in my knowledge.
Interesting response. Note the quotes please

Statute of Limitations

Once you began to pay your debt your statutues of limitations resets.

State List of Statutes of Limitations

STATE	STATUTE CITATIONS	ORAL	WRITTEN	PROMISSORY	OPEN-ENDED ACCOUNTS
ALABAMA	Ala. Code § 6-2-2 et. seq.	6	6	6	3
ALASKA	Alaska Stat. § 09.10.010 et. seq.	6	6	3	3
ARIZONA	Ariz. Rev. Stat. Ann. § 12-541 et. seq.	3	6	6	3
ARKANSAS	Ark. Code Ann. § 16-56-101 et. seq.	6	6	3	3
CALIFORNIA	Cal. Civ. Proc. Code § 312 et. seq.	2	4	4	4
COLORADO	Colo. Rev. Stat. § 13-80-102 et. seq.	6	6	6	6
CONNECTICUT	Conn. Gen. Stat. Ann. § 52-576 et. seq.	3	6	6	3
DELAWARE	Del. Code Ann. bleep. 10, § 8101 et. seq.	3	3	3	4
DISTRICT OF COLUMBIA	D.C. Code § 12-301 et. seq.	3	3	3	3
FLORIDA	Fla. Stat. Ann. § 95.011 et. seq.	4	5	5	4
GEORGIA	Ga. Code Ann. § 9-3-20 et. seq.	4	6	6**	4
HAWAII	Haw. Rev. Stat. § 657-1 et. seq.	6	6	6	6
IDAHO	Idaho Code § 5-201 et. seq.	4	5	5	4
ILLINOIS	735 Ill. Comp. Stat. 5/13-201 et. seq.	5	10	10	5
INDIANA	Ind. Code Ann. § 34-11-2-1 et. seq.	6	10	10	6
IOWA	Iowa Code Ann. § 614.1 et. seq.	5	10	5	5
KANSAS	Kan. Stat. Ann. § 60-501 et. seq.	3	6	5	3
KENTUCKY	Ky. Rev. Stat. Ann. § 413.080 et. seq.	5	15	15	5
LOUISIANA	La. Civil Code § 3492 et. seq.	10	10	10	3
MAINE	Me. Rev. Stat. Ann. bleep. 14, § 751 et. seq.	6	6	6	6
MARYLAND	Md. Courts & Jud. Proc. Code Ann. § 5-101 et. seq.	3	3	6	3
MASSACHUSETTS	Mass. Ann. Laws ch. 260, § 1 et. seq.	6	6	6	6
MICHIGAN	Mich. Comp. Laws § 600.5801 et. seq.	6	6	6	6
MINNESOTA	Minn. Stat. Ann. § 541.01 et. seq.	6	6	6	6
MISSISSIPPI	Miss. Code. Ann. § 15-1-1 et. seq.	3	3	3	3
MISSOURI	Mo. Rev. Stat. § 516.097 et. seq.	5	10	10	5
MONTANA	Mont. Code Ann. § 27-2-2021 et. seq.	5	8	8	5
NEBRASKA	Neb. Rev. Stat. § 25-201 et. seq.	4	5	5	4
NEVADA	Nev. Rev. Stat. Ann. § 11.010 et. seq.	4	6	3	4
NEW HAMPSHIRE	N.H. Rev. Stat. Ann. § 508:1 et. seq.	3	3	6	3
NEW JERSEY	N.J. Stat. Ann. § 2a:14-1 et. seq.	6	6	6	6
NEW MEXICO	N.M. Stat. Ann. § 37-1-1 et. seq.	4	6	6	4
NEW YORK	N.Y. Civ. Prac. Laws & Rules § 201 et. seq.	6	6	6	6
NORTH CAROLINA	N.C. Gen. Stat. § 1-46 et. seq.	3	3	5	3
NORTH DAKOTA	N.D. Cent. Code § 28-01-01 et. seq.	6	6	6	6
OHIO	Ohio Rev. Code Ann. § 2305.03 et. seq.	6	15	15	6
OKLAHOMA	Okla. Stat. Ann. bleep. 12, § 93 et. seq.	3	5	5	3
OREGON	Or. Rev. Stat. § 12.010 et. seq.	6	6	6	6
PENNSYLVANIA	42 Pa. Cons. Stat. Ann. § 5501 et. seq.	4	4	4	4
RHODE ISLAND	R. I. Gen. Laws § 9-1-12 et. seq.	15	15	10	10
SOUTH CAROLINA	S.C. Code Ann. § 15-3-510 et. seq.	3	3	3	3
SOUTH DAKOTA	S.D. Codified Laws Ann. § 15-2-1 et. seq.	3	6	6	6
TENNESSEE	Tenn. Code Ann. § 28-3-101 et. seq.	6	6	6	6
TEXAS	Tex. Civ. Prac. & Rem. Code § 16.001 et. seq.	4	4	4	4
UTAH	Utah Code Ann. § 78-12-22 et. seq.	4	6	4	6
VERMONT	Vt. Stat. Ann. bleep. 12, § 506 et. seq.	6	6	5	3
VIRGINIA	Va. Code Ann. § 8.01-228 et. seq.	3	5	6	3
WASHINGTON	Wash. Rev. Code Ann. § 4.16.005 et. seq.	3	6	6	3
WEST VIRGINIA	W. Va. Code § 55-2-6 et. seq.	10	5	2	2
WISCONSIN	Wis. Stat. Ann. § 893.01 et. seq.	5	10	6	5
WYOMING	Wyo. Stat. § 1-3-102 et. seq.	8	10	10	8

Re: Denied for Chase Sapphire Preferred; Recon for Freedom?

Anonymous — Fri, 21 Nov 2014 15:37:52 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
This is 752 on a 900 point scale, so not the same as the 850 FICO. Also, the (alleged!) default might have been the bigger reason for rejection.
i really dont know they sure didnt have a problem giving me Freedom.
I got both with a CARS score that's 100pts lower than yours...

It's definitely the "default"
Got my internal chase scores and I am at a 712... So tempted so go for the CSP, which I would of done it the same day as the freedom so it would of hopefully been the same TU pull.. Anyways, will give them a few months on my freedom to see my usage and PIF each month and go for the CSP then. Ugh I met my $500 dollar spend requirement the day after I got my card.. Dog had to goto vet.. Yep fun way to spend approx. $500.. least it was done and paying it off once it posts here today or tomorrow.

vet ? CareCredit