cancel
Showing results for 
Search instead for 
Did you mean: 

Chase Sapphire Preferred application

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Member

Chase Sapphire Preferred application

Hello everyone,

I applied for Chase Sapphire Preferred card on December 29, 2018. I wasn't approved or denied instantly, and Chase required more time for decision. I received a letter from Chase on January 3rd requesting a copy of Social Security card and I sent it right away. Phone status says that I will receive a written decision within 30 days of application.

I have a credit history of 1 year and 0% credit utilization. They pulled Transunion and Experian and my scores at the time were 730 and 732 respectively. Do I have a chance of being approved?

Starting FICO 8 Scores (6/20/2018): TU 771, EQ 735, EX 730
Current FICO 8 Scores (5/14/2019): TU 746, EQ 744, EX 734
Inquiries (2/11/2019): TU 2, EQ 2, EX 4
STARTING since 12/27/2017

Message 1 of 6
5 REPLIES 5
Established Contributor

Re: Chase Sapphire Preferred application

How many other cards do you have, and have you opened any new TL's recently?





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 2 of 6
Member

Re: Chase Sapphire Preferred application

I had 4 cards at the time of application: Discover it with $1000, AmEx BCE with $4800, Deserve Edu with $800 and Amazon Prime Store Card with $2300.
I still same 4 cards and I had 1 hp on TU and 3 hps on EX.
And no I haven't opened any TL for like seven months.
Starting FICO 8 Scores (6/20/2018): TU 771, EQ 735, EX 730
Current FICO 8 Scores (5/14/2019): TU 746, EQ 744, EX 734
Inquiries (2/11/2019): TU 2, EQ 2, EX 4
STARTING since 12/27/2017

Message 3 of 6
New Contributor

Re: Chase Sapphire Preferred application

You should be fine and worst case scenario if you get denied you can always recon. I did the same thing and worked for me. 30 days is much better than the message 7-10 days for sure.

 

Good luck!



We live and learn!
Message 4 of 6
Community Leader
Senior Contributor

Re: Chase Sapphire Preferred application

If you do have to go recon route—hopefully you don’t—ask if it’s another HP. IME, Chase loves to HP.
GOALS: Garden til DEC 2020 and 800 Club



Scores
JUN 2019: EX 788, TU 794, EQ 779
APR 2019: EX 787, TU 789, EQ 781
JAN 2019: EX 794, TU 783, EQ 801
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnate $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $15.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 5 of 6
Established Contributor

Re: Chase Sapphire Preferred application

So you are below the 5/24, I would think you will be OK. 

If not, as others have said you could always recon.

Good luck.






~~ Former Royal Navy Submariner - Proud to have served ~~
Message 6 of 6