Approval Odds for a Chase Sapphire

[paul29]

I just called in the application status phone number and the automated message now gives me a 30 day message. Is that significant at all? Thank you for all the help btw

[FinStar]

When a 30-day message is given, it simply means it's in a queue that hasn't been touched or reviewed by any UW. You can periodically check the status until it changes.

[SouthJamaica]

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@paul29 wrote:

The derogatory mark is from a collections agency. All my open card limits arent very high, they all total less than the $5000. 

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Then your odds probably aren't great for the CSP.  If I were you I would wait for a preapproval. Check your "Just for You" section, and when a preapproval for the CSP shows up there, then you can pull the trigger.

[Anonymous]

My report looked about the same as yours, and got the same messages in that order too. Call one of the Chase numbers, speak to an agent and just ask about the status of your application. Mine was just confirming that I actually applied for the card and address. 

[JLRDC909]

Usually any derog gets the application denied by Chase. Not always but they don't like seeing any BKs, COs, missed payments, or derogatory marks. Not saying you can't get approved, but I think it's how the algorithms are set. If it sees any baddies you'll have to speak with a ln UW for a recon. 

I saw that you got the 7-10 message. Hope you can turn it around 

[coldfusion]

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@JLRDC909 wrote:

Usually any derog gets the application denied by Chase. Not always but they don't like seeing any BKs, COs, missed payments, or derogatory marks. Not saying you can't get approved, but I think it's how the algorithms are set. If it sees any baddies you'll have to speak with a ln UW for a recon. 

I saw that you got the 7-10 message. Hope you can turn it around 

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Chase will approve with a dirty file and the autobot can instant-approve depending upon the type and age of the derog.   I've known it to happen with a peer that had a late-stage 30 day reporting with the SL being over $20K. 

The one exception is if a BK is reporting - odds of approval are barely more than 0%. 

[paul29]

That's good to hear, also thank you for the hopium

[paul29]

So when I call in to check my application status, the auto message is still giving me a 30 day notice. Should I wait until that status changes to call recon or can I call recon right now?

[coldfusion]

Wait until there is a status change.    Calling in will not serve as an effective cattle prod. 

[Yasselife]

This+
I was approved for the chase freedom with 3 collections and a thin file.