Chase Sapphire Preferred - Declined, even after calling number

[Anonymous]

First Post here! Love this forum, lots of useful information. Please let me know if there is any info I should be including in my sig.. 

I applied for a Chase Sapphire Preferred and got declined by the automated system as well as the backdoor number. My two cards are in my sig and my oldest credit card is 2.4 years old. I wasn't really expecting it since my total CL is 18K+. I will probably wait a year to try again as I don't want a large number of pulls.. 

edit: oh my experian is 762 which is what Chased used, they said that was more than enough. I should also note I use my CC for everything and do an auto transfter of 300 dollars to both every month irregardless of the minumum payment due (which is always $0) 

My question is, should I call again and state some more facts? All I told the lady was my CL (which they already know) and how many cards I have. I haven't said any of the above info like my payment history. Can I get them to reconsider with my limited history or is it a lost cause?

Well anyways, again, awesome forum! happy to have finally signed up! 

[CreditCuriosity]

Not much info here... What was the reason for the denial as you have a good score.. Lack of credit history?

[Anonymous]

My appolgies, I thought I included that. 

They denied for age of accounts. 

[Anonymous]

---

@Anonymous wrote:

First Post here! Love this forum, lots of useful information. Please let me know if there is any info I should be including in my sig.. 

I applied for a Chase Sapphire Preferred and got declined by the automated system as well as the backdoor number. My two cards are in my sig and my oldest credit card is 2.4 years old. I wasn't really expecting it since my total CL is 18K+. I will probably wait a year to try again as I don't want a large number of pulls.. 

edit: oh my experian is 762 which is what Chased used, they said that was more than enough. I should also note I use my CC for everything and do an auto transfter of 300 dollars to both every month irregardless of the minumum payment due (which is always $0) 

My question is, should I call again and state some more facts? All I told the lady was my CL (which they already know) and how many cards I have. I haven't said any of the above info like my payment history. Can I get them to reconsider with my limited history or is it a lost cause?

Well anyways, again, awesome forum! happy to have finally signed up! 

---

You have a really good score.  So I am a little surprised.  Apart from a very good score, what is in your credit report?  Is it just the 2 cards?  Give us a clear picture of your profile and you will get the best answers....

[Anonymous]

---

@Anonymous wrote:

My appolgies, I thought I included that. 

They denied for age of accounts. 

---

Don't give up yet.  Call them back this evening.  Often times, it takes more than 1 call to get an approval.  

[CreditCuriosity]

---

@Anonymous wrote:

My appolgies, I thought I included that. 

They denied for age of accounts. 

---

You can try once or twice more and maybe get an analyst that might be willing to overturn it...  Ya Chase typically likes to see a year, but obviously that isn't always the case as other people make the Freedom or CSP there first card, so kinda double standards.  No one really knows what chase is really looking for to be quite honest.  Worth another recon or two imo.. If not, try once your accounts get a year old if the recons are declined.

[Anonymous]

---

@CreditCuriousity wrote:

---

@Anonymous wrote:

My appolgies, I thought I included that. 

They denied for age of accounts. 

---

You can try once or twice more and maybe get an analyst that might be willing to overturn it...  Ya Chase typically likes to see a year, but obviously that isn't always the case as other people make the Freedom or CSP there first card, so kinda double standards.  No one really knows what chase is really looking for to be quite honest.  Worth another recon or two imo.. If not, try once your accounts get a year old if the recons are declined.

---

agreed, I thought I read someone with a 6 month history got approved for a 7000 line unless I read it wrong.  Recon, Recon, Recon.  It doesn't make sense for them to not approved you.

[CreditCuriosity]

---

@yesi-ts-me wrote:

---

@CreditCuriousity wrote:

---

@Anonymous wrote:

My appolgies, I thought I included that. 

They denied for age of accounts. 

---

You can try once or twice more and maybe get an analyst that might be willing to overturn it...  Ya Chase typically likes to see a year, but obviously that isn't always the case as other people make the Freedom or CSP there first card, so kinda double standards.  No one really knows what chase is really looking for to be quite honest.  Worth another recon or two imo.. If not, try once your accounts get a year old if the recons are declined.

---

agreed, I thought I read someone with a 6 month history got approved for a 7000 line unless I read it wrong.  Recon, Recon, Recon.  It doesn't make sense for them to not approved you.

---

Someone yesterday with no credit history other then AU user on parents account got freedom and csp for 7k each... blew my mind and only a college student.. What he.she put for income I have no clue as it really doesn't add up.  Anyways, deffinetly recon

[Anonymous]

Here are some key points. 

Open Cards and Age: 

NFCU nRewards Visa (Blue Card) - $13,300 - Currently using 2k  (open for 2.4 years) Auto Pay montly of $300 

NFCU Flagsip rewards Visa (Black Card) - 5k - Currently using 1k (open for 2 months) Auto Pay monthly of $300

Income: >40k

Bad Marks:  None

Other Loans and Debt: None 

Credit Scores:

TU: 732

EX: 762

[Anonymous]

---

@Anonymous wrote:

Here are some key points. 

Open Cards and Age: 

NFCU nRewards Visa (Blue Card) - $13,300 - Currently using 2k  (open for 2.4 years) Auto Pay montly of $300 

NFCU Flagsip rewards Visa (Black Card) - 5k - Currently using 1k (open for 2 months) Auto Pay monthly of $300

Income: >40k

Bad Marks:  None

Other Loans and Debt: None 

Credit Scores:

TU: 732

EX: 762

---

Keep calling until you get approved..