As the title states, I've been approved for the Chase Sapphire Preferred. This is my first "real" card besides my Discover IT card that I got a few months ago. I was trying to hold off as I had a collection that I paid on the 16th but my AC unit needs to be replaced so I went ahead and pulled the trigger. I will say that I had a pre-approved offer a few days before that had an interest rate of 22.24%, I chose to cancel this app as I wanted to wait for my Discover card to report which would have made my Utilization report as 1%. My approval was SL of $5000 and a APR of 25.24% which I don't plan on carrying a balance.
My profile is as follows:
Capital One Platinum (Secured - Opened 2012): $600
Capital One Quicksilver PC from Platinum (Opened 04-2017): $500
Chase Freedom Unlimited PC from Slate (Opened 04-2017): $500
Discover IT (Opened 02-2019): $1,250
Utilization: 1%
Baddies:
EX: 670 - 6 inquiries, 3 set to fall off May 30, 1 set to fall off June 12 - 2 late payments 2 years ago to date, 1 Collection - Sprint $372 - Paid on the 16th and hasn't been updated, originally posted to report 8 months ago.
EQ: 661 - 5 inquiries, 2 set to fall off May 30 - 2 Collections, IBC Bank account opened in 2012, collection placed in 2012 and paid in full. Sprint Collection
TU: 674 - 0 inquiries - 1 Collection - Sprint
Chase pulled EX and EQ.
Let me know if I'm missing anything
