The credit file, banking history, etc at the time of applying can be found here. These stats are BEFORE applying for apps on this spree and I applied on 6/27/2020
Application #1: Chase Sapphire Preferred / CSP
Never got a mail offer; however, Chase did send me an email to apply for this card by July 1st. Also, on the my offers section of my Chase account and on the Credit Journey, it did not have a green star. But it did have that black/white star on it for me being pre-qualified for it and my APR was solid at 22.99% and not like a range. Yes, its high but I don't pay interest so.... and all I had to do was input my income and my phone number to submit the app. INSTANT-APPROVED FOR $7K!
Application #2: AMEX Blue Cash Everyday Card
I did check to see if I was prequalifed and I was. This was one of the three cards that I was qualified for. INSTANT APPROVED FOR $1K.
Application #3: Capital One Savor One (No Annual Fee)
Didn't check to see if I was pre-qualified or anything. Approved/Denied and Credit Limit? Denied.
The reasons for the denial:
- Based on your credit report from one or more of the agencies on the back of this letter, there
have been too many recent inquiries - Based on your credit report from one or more of the agencies on the back of this letter, there
are too many new revolving accounts - Based on your credit report from one or more of the agencies on the back of this letter,
length of revolving credit history - Based on your credit report from one or more of the agencies on the back of this letter,
number of personal finance loan(s)
So for the Savor, I'm not gonna be calling recon or anything mostly because I got what I mainly wanted, which was approval for the CSP and the AMEX to build that relationship. I already have a relationship with Cap One so this one I just took a chance with. I'll just be in the garden and growing with these two!
