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Chase Sapphire Preferred Pre-approved Offer! (UPDATE - Denied)

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coldfusion
Credit Mentor

Re: Chase Sapphire Preferred Pre-approved Offer!


@Beast26 wrote:

@Harvey26 How long ago did she do this?  Would it be worth calling again and trying to get another rep?  

 

I also found it kinda funny that there were kids in the background while the CSR was talking to me.  I guess after hours they do it from home on the reconsideration line?


Playing HUCA with Chase does occasionally lead to a positive outcome but it is uncommon.    Maybe you can try the argument that they had extended to you an unsolicited preapproval but I'm only speculating as to whether that would have a positive influence.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 21 of 40
Beast26
Established Contributor

Re: Chase Sapphire Preferred Pre-approved Offer!

The least I can do is try I guess.  Any ideas as to what I should say this time?





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 22 of 40
Harvey26
Valued Contributor

Re: Chase Sapphire Preferred Pre-approved Offer!

@Beast26 This was in Dec. Its worth a shot but state your case that you do not have more than 5/24 as the other accounts you have are store accounts unless the account is closed and not in your signature. But mom had to go to a supervisor and say that the account is only store use and im sure they can look online and see that just by googling it. Also what coldfusion said you received a preapproval and thought it would be a great chance for you to grow your chase relationship. Keep us updated!

Amex ED: 8K, Macys Amex: 4K , BOA Premium Rewards: 60K , Best Buy Visa: 7K , VACU Mastercard: 11.5K Discover: 25K, Amex Delta Reserve 15k, Apple Card:3.5K, Saks WEMC 16.2K, PNC Cash Unlimited: 20K
Message 23 of 40
Beast26
Established Contributor

Re: Chase Sapphire Preferred Pre-approved Offer!

Ok I'll try it tomorrow.  So what I will do is ask for a supervisor like you said and explain that those are store accounts which put me less than 5/24.  Also throw in there that it said I was already approved which was a great chance to grow with chase.  





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 24 of 40
Beast26
Established Contributor

Re: Chase Sapphire Preferred Pre-approved Offer!

Ok I have one question also.  Can you get approved if you are already 5/24 or do you technically have to be below 5/24?





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 25 of 40
quikj9
Frequent Contributor

Re: Chase Sapphire Preferred Pre-approved Offer!

@Beast26 Playing HUCA on the recon line worked for me with my Freedom Flex last week. 

 

I wasn't over 5/24, but I had an in branch pre-approval before being instantly denied. 

 

I'd say give it a shot. You don't have anything to lose. 




Message 26 of 40
SouthJamaica
Mega Contributor

Re: Chase Sapphire Preferred Pre-approved Offer!


@Beast26 wrote:

I called chase reconsideration line and lady told me I was declined due to 5/24. -__- Back to the garden it is.


Sorry. So much for the prevailing wisdom here that preapprovals override 5/24.

 

 


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 27 of 40
SouthJamaica
Mega Contributor

Re: Chase Sapphire Preferred Pre-approved Offer!


@Beast26 wrote:

@Harvey26 How long ago did she do this?  Would it be worth calling again and trying to get another rep?  

 

I also found it kinda funny that there were kids in the background while the CSR was talking to me.  I guess after hours they do it from home on the reconsideration line?


That's probably working from home due to Covid.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 28 of 40
Beast26
Established Contributor

Re: Chase Sapphire Preferred Pre-approved Offer!

That makes sense!  Probably would be a waste asking for a supervisor 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 29 of 40
coldfusion
Credit Mentor

Re: Chase Sapphire Preferred Pre-approved Offer!

Taking another stab at it will only cost you a little time and the cost of the phone call.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 30 of 40
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