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Chase Sapphire Preferred Further Review?

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Beast26
Established Contributor

Chase Sapphire Preferred Further Review?

I went in branch for the elevated offer and the computer said that the application needs further review.  How likely is this to end in being denied?  I'm at 4/24 and last card I got was in February.  Credit score around 750 with no negatives.  Around 80k in credit lines and have 2 chase cards already.





Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000
Message 1 of 21
20 REPLIES 20
GZG
Valued Contributor

Re: Chase Sapphire Preferred Further Review?

could be as simple as calling up and confirming you applied, I'd call in and see if they needed anything from you to process the application, dunno if they're open on saturday 

 

if you end up do getting declined, I'd call and ask for a manual reconsideration and hopefully they should transfer you to an underwriter who can override the denial 

 

you could just let it sit and hopefully just be approved in the next coming days

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

Message 2 of 21
keekers
Established Contributor

Re: Chase Sapphire Preferred Further Review?

You applied in branch and the person there couldn't assist?


Message 3 of 21
Beast26
Established Contributor

Re: Chase Sapphire Preferred Further Review?

They actually did the application with me provided the information.  They just said call the number in about 5 days to check on the application.





Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000
Message 4 of 21
elboullee
Regular Contributor

Re: Chase Sapphire Preferred Further Review?


@Beast26 wrote:

They actually did the application with me provided the information.  They just said call the number in about 5 days to check on the application.


That's weird.

 

You must have had a particularly lazy rep. 

 

I had a similar situation with my first Chase card but my rep called in right then and there, said they needed to confirm a couple of details, and I was approved on the spot.

 

Even if it looked to the rep like it was going to be a denial, s/he should have chased it down for you [no pun intended] while you were there.

Message 5 of 21
Beast26
Established Contributor

Re: Chase Sapphire Preferred Further Review?

I assumed it was because it was Saturday.  She told me to call her if I haven't received an answer by Thursday and I think maybe she will make a call then.





Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000
Message 6 of 21
Blender
Established Contributor

Re: Chase Sapphire Preferred Further Review?


@Beast26 wrote:

I assumed it was because it was Saturday.  She told me to call her if I haven't received an answer by Thursday and I think maybe she will make a call then.


Should be able to get a decision today. Give them a call

1 (800) 453-9719 

  • 7am to 10pm EST Monday through Friday
  • 8am to 1pm EST Saturday
  • 9am to 9pm EST on Sunday
4/2024


Message 7 of 21
Beast26
Established Contributor

Re: Chase Sapphire Preferred Further Review?

It's giving me the 7-10 days message.  They are still reviewing my application according to the recording.





Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000
Message 8 of 21
Blender
Established Contributor

Re: Chase Sapphire Preferred Further Review?

Did you call the number above? You should be talking to someone who can manually review it for you.

4/2024


Message 9 of 21
Beast26
Established Contributor

Re: Chase Sapphire Preferred Further Review?

I called the number you gave me and it took me to an automated system that told me the 7-10 day wait time message after I input my information.





Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000
Message 10 of 21
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