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Fell off the wagon (CSP)

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Frequent Contributor

Fell off the wagon (CSP)

So I got the itch after a year and decided to try my luck again for a Chase Sapphire Preferred... I got the mediocre result. (Last year I got denied and my CFU closed because I app-spreed three months before applying for the CSP, waited until this year to see if they're less spooked)

 

Not immediately approved and the "We have received your request for a Chase credit card. We'll let you know our decision as soon as possible." email. 30 day notice on the automated line.

 

Guess we gotta see how it goes! Did notice an odd thing, however. Got an alert from credit karma about a new inquiry on EQ... Expected. Though it lists it as February 20th [b]2019[/b] wonder if this means after tomorrow it won't hurt my score and drop off in a year. Checked the Experian app as well... It says 02/20/19 as well! Chaaase... What are you up to?

$1,000 is a lot to owe, yet little to have.
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Message 1 of 22
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Valued Contributor

Re: Fell off the wagon (CSP)

Good luck on your application! And regarding the date showing that is odd.





My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 2 of 22
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Valued Contributor

Re: Fell off the wagon (CSP)

Good luck on both the approval status and those incorrect inquiry dates staying incorrect 😜

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 05/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 04/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.1 years not incl. AU / 3.5 years incl. AU
My AoOA: 7.3 years not incl. AU / 9.3 years incl. AU
Inquiries: EX 1/6 | 1/12 ✦ EQ 1/6 | 1/12 ✦ TU 1/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 3 of 22
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Valued Contributor

Re: Fell off the wagon (CSP)

Good luck!!

July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 4 of 22
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Frequent Contributor

Re: Fell off the wagon (CSP)

Hey, if the dates stay incorrect, at least this app shouldn't hurt my score any of denied. Smiley Happy

$1,000 is a lot to owe, yet little to have.
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Message 5 of 22
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Contributor

Re: Fell off the wagon (CSP)

good luck with the app and keep us updated

 





7% Util


Gardening Start 9/18/2020
Message 6 of 22
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Community Leader
Super Contributor

Re: Fell off the wagon (CSP)


@Masterlink wrote:

So I got the itch after a year and decided to try my luck again for a Chase Sapphire Preferred... I got the mediocre result. (Last year I got denied and my CFU closed because I app-spreed three months before applying for the CSP, waited until this year to see if they're less spooked)

 

Not immediately approved and the "We have received your request for a Chase credit card. We'll let you know our decision as soon as possible." email. 30 day notice on the automated line.

 

Guess we gotta see how it goes! Did notice an odd thing, however. Got an alert from credit karma about a new inquiry on EQ... Expected. Though it lists it as February 20th [b]2019[/b] wonder if this means after tomorrow it won't hurt my score and drop off in a year. Checked the Experian app as well... It says 02/20/19 as well! Chaaase... What are you up to?


And today is the 19th so it's a year and 1 day off. Yep, doesnt make sense at all. 


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 7 of 22
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Frequent Contributor

Re: Fell off the wagon (CSP)

Hm... That begs the question... Do I modify my garden timer back to my latest by date HP? 

$1,000 is a lot to owe, yet little to have.
Credit Cards

Debit Cards



Message 8 of 22
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Super Contributor

Re: Fell off the wagon (CSP)


@Masterlink wrote:

Hm... That begs the question... Do I modify my garden timer back to my latest by date HP? 


The date will get fixed eventually and the idea of the garden date is meant to be when you stopped seeking new credit. I would still count this as a garden reset because you submitted an app and took a HP, regardless of the date issue. 




Message 9 of 22
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Moderator

Re: Fell off the wagon (CSP)


@Masterlink wrote:

Hm... That begs the question... Do I modify my garden timer back to my latest by date HP? 


If you're applying, you're not gardening, regardless of any errors on your CR. 

Message 10 of 22
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