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CSP - Chase Sapphire Preferred

Hottsaucy
Member

CSP - Chase Sapphire Preferred

Chase Sapphire Preferred®
Hello everyone, I would like to share info for my recent approval with my CSP... 
 
My highest limit card is my Navy Fed More Rewards Amex & it's only 3 months old so I was torn if I should apply or not but I've really wanted this card for a long time since I travel alot internationally. I said to myself, YOLO and I applied on Saturday, March 27th @ 2am and got an instant approval! 

 

  • Which credit card?   Chase Sapphire Preferred® Credit Card.
    • Starting credit limit: $14,700 
    • APR: 21.99%
  • What CRs were pulled?  Experian & Equifax (puts me at 5 hard inquiries  on both reports.) 
  • My FICO score:  670 Fico 8 /Experian & 718 Equifax as of 3/27/2021
  • Why this card?: 
    • Reward Points ( Travel benefitsbest-known travel rewards credit cards. Featuring 2x points per dollar on all travel and dining purchases, it earns valuable points that can be transferred to 13 airline partners and hotel partners or redeemed directly for travel through Chase Ultimate Rewards.
    • Higher-than-average points valuation: Many competitors offer rewards points or miles worth just a penny each, but Chase Ultimate Rewards points value is at 1.46 cents apiece, on average.
    • Sign up bonus ( "80,000 bonus points (a $1,000 value) when you spend $4,000 within 90 days of account opening")
  • My relationship with Chase... My primary bank since 2012. I've never applied for any of their products  😐
  • My credit profile:   
    • Total revolving credit before this card: $31,000 (2 cc - Discover $3000, Navy Fed More Rewards $23,000 and 1 store cards My Jewelers $5000) 
    • Utilization: <2% (balance on cc $411 and $0 on store cards)
    • Oldest account: 16 yrs 6 mo 
    • Average age of open accounts: 5 yrs 9 mo 
    • Baddies: No collections, 3 paid charge offs, 5 accounts ever late (at least 2 yrs old) 
Starting Score: 02/2020: EX 520 ✦ EQ 527 ✦ TU 518
Current Score: 11/2020: EX 667 ✦ EQ 720 ✦ TU 687
Goal Score: 800


Discover It $3,000 | NFCU More Rewards $23K | Chase Sapphire Preferred $14,700 | NIHFCU Platinum $6,500
NFCU Platinum $3,000
My Jewelers Club $5,000 | New Coast Direct $5,000
Navient Student Loan - 8 late pays 120 days Feb 2019

Message 1 of 15
14 REPLIES 14
AllZero
Super Contributor

Re: CSP - Chase Sapphire Preferred

Congratulations on your approval! Thank you for sharing the data points.

Message 2 of 15
credit_is_crack
Valued Contributor

Re: CSP - Chase Sapphire Preferred

Congrats on the new CSP @Hottsaucy ! It's such a versatile card -- you'll get a lot of mileage out of it! 

Message 3 of 15
Credit4Growth
Valued Contributor

Re: CSP - Chase Sapphire Preferred

  👌  Congratulations on your CSP approval! 

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 4 of 15
mrcraft
Valued Contributor

Re: CSP - Chase Sapphire Preferred

Congratulations on your approval!!






Message 5 of 15
TIPPY-BOB
Regular Contributor

Re: CSP - Chase Sapphire Preferred

Congratulations 🍾🎊🎉 Thanks for sharing 👍🙏

Message 6 of 15
MartyWrite75
Established Contributor

Re: CSP - Chase Sapphire Preferred

Congratulations on your approval!

June 2021: Experian 710 Equifax 701 Transunion 723


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $4,100 || Discover It: $3,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $6,000 || Overstock Store Card: $6,050 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $2,000

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor

Gardening from 03/18/2021 to 04/18/2023 (ideally)
Total Utilization: 10%
Message 7 of 15
coreyb80
Valued Contributor

Re: CSP - Chase Sapphire Preferred

Congrats on the nice approval!

Message 8 of 15
CreditAggie
Senior Contributor

Re: CSP - Chase Sapphire Preferred

Congratulations on your CSP approval! Enjoy that sweet SUB!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 9 of 15
M_Smart007
Epic Contributor

Re: CSP - Chase Sapphire Preferred

Congratulations on your CSP approval! ...

Message 10 of 15
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