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Chase Sapphire Preferred : DW Approved with prior CO!

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AverageJoesCredit
Legendary Contributor

Re: Chase Sapphire Preferred : DW Approved with prior CO!


@JR_TX wrote:

Hey my fellow MFers! 

 

Just wanted to share some great news and DPs as well. Today I cold app'd my DW for the CSP... Her acct page shows no pre-approval (green chk mark). Though what She had was a pre-qualified offer online with single APR (not range). That was more than enough for me to take a chance as I was more than willing to burn an EX HP for her. Was Expecting a 2-week notice then a denial.

 

A brief history ;

Chase closed and charged-off my DW's CC acct in 2011. It was only for $2K but with all the added CO flavors it all came up to about $3.7K (as being collected by a 3rd party)!! 

I app'd her with Chase in 2016 and was denied "due to prior history". They double pulled her back then with her EX and EQ.

 

FF to today...

 

DW's profile (current) :

EX8 718  ;  0HP last 24 months

EQ8 764 ;  1HP last 6 months/ 3 total last 24 months

TU8 714 ;  1HP last 6 months / 7 total last 24 months

 

5/24?

EX = 4/24 (Aug 01 qualifier)

EQ = 5/24 (Aug 26 til 4/24)

TU = 5/24 (Aug 26 til 4/24)

 

AAoA : 6+ Yrs

 

UTIL : 14%

 

CC CLs :

$20K Amex ED 

$15K Amex Delta Gold

$15.9K BoA BBR

$12.7K Disco

$8K BBY Visa

$4K citi DC

Bunch of Store Cards $2-$12K CLs

About $150K total before this app

 

I was gonna add myself as AU during app but backed out as I didn't wanna hurt her chances since I'm BL with them for IIB'ing them quite big in my BK7. Question now is will I be able to add me as an AU in the next days or weeks without causing her any unwanted scrutiny from Chase and possibly caused her acct to be shut down?

 

Thanks y'all and a Happy MF Thursday to y'all!!!

 

 

 

 

 

 

CSPapp.jpg



@JR_TX wrote:

Hey my fellow MFers! 

 

Just wanted to share some great news and DPs as well. Today I cold app'd my DW for the CSP... Her acct page shows no pre-approval (green chk mark). Though what She had was a pre-qualified offer online with single APR (not range). That was more than enough for me to take a chance as I was more than willing to burn an EX HP for her. Was Expecting a 2-week notice then a denial.

 

A brief history ;

Chase closed and charged-off my DW's CC acct in 2011. It was only for $2K but with all the added CO flavors it all came up to about $3.7K (as being collected by a 3rd party)!! 

I app'd her with Chase in 2016 and was denied "due to prior history". They double pulled her back then with her EX and EQ.

 

FF to today...

 

DW's profile (current) :

EX8 718  ;  0HP last 24 months

EQ8 764 ;  1HP last 6 months/ 3 total last 24 months

TU8 714 ;  1HP last 6 months / 7 total last 24 months

 

5/24?

EX = 4/24 (Aug 01 qualifier)

EQ = 5/24 (Aug 26 til 4/24)

TU = 5/24 (Aug 26 til 4/24)

 

AAoA : 6+ Yrs

 

UTIL : 14%

 

CC CLs :

$20K Amex ED 

$15K Amex Delta Gold

$15.9K BoA BBR

$12.7K Disco

$8K BBY Visa

$4K citi DC

Bunch of Store Cards $2-$12K CLs

About $150K total before this app

 

I was gonna add myself as AU during app but backed out as I didn't wanna hurt her chances since I'm BL with them for IIB'ing them quite big in my BK7. Question now is will I be able to add me as an AU in the next days or weeks without causing her any unwanted scrutiny from Chase and possibly caused her acct to be shut down?

 

Thanks y'all and a Happy MF Thursday to y'all!!!

 

 

 

 

 

 

CSPapp.jpg



@JR_TX wrote:

Hey my fellow MFers! 

 

Just wanted to share some great news and DPs as well. Today I cold app'd my DW for the CSP... Her acct page shows no pre-approval (green chk mark). Though what She had was a pre-qualified offer online with single APR (not range). That was more than enough for me to take a chance as I was more than willing to burn an EX HP for her. Was Expecting a 2-week notice then a denial.

 

A brief history ;

Chase closed and charged-off my DW's CC acct in 2011. It was only for $2K but with all the added CO flavors it all came up to about $3.7K (as being collected by a 3rd party)!! 

I app'd her with Chase in 2016 and was denied "due to prior history". They double pulled her back then with her EX and EQ.

 

FF to today...

 

DW's profile (current) :

EX8 718  ;  0HP last 24 months

EQ8 764 ;  1HP last 6 months/ 3 total last 24 months

TU8 714 ;  1HP last 6 months / 7 total last 24 months

 

5/24?

EX = 4/24 (Aug 01 qualifier)

EQ = 5/24 (Aug 26 til 4/24)

TU = 5/24 (Aug 26 til 4/24)

 

AAoA : 6+ Yrs

 

UTIL : 14%

 

CC CLs :

$20K Amex ED 

$15K Amex Delta Gold

$15.9K BoA BBR

$12.7K Disco

$8K BBY Visa

$4K citi DC

Bunch of Store Cards $2-$12K CLs

About $150K total before this app

 

I was gonna add myself as AU during app but backed out as I didn't wanna hurt her chances since I'm BL with them for IIB'ing them quite big in my BK7. Question now is will I be able to add me as an AU in the next days or weeks without causing her any unwanted scrutiny from Chase and possibly caused her acct to be shut down?

 

Thanks y'all and a Happy MF Thursday to y'all!!!

 

 

 

 

 

 

CSPapp.jpg


Ps, how did she get a Baby Visa 8k?Smiley Wink

Message 11 of 13
JR_TX
Valued Contributor

Re: Chase Sapphire Preferred : DW Approved with prior CO!

Thanks y’all!
I’m probably just gonna hold off on my AU for now til after maybe a statement or so. Although Chase wants me to upgrade to CPC. Just thought it might help us meet the spend for the SUB with me using it as well. But we’ll see.
New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 7y10m | UTIL 1% - 4% | $300K+ Total Limits

Message 12 of 13
Anonymous
Not applicable

Re: Chase Sapphire Preferred : DW Approved with prior CO!

@ JR_TX


@JR_TX wrote:
Thanks y’all!
I’m probably just gonna hold off on my AU for now til after maybe a statement or so. Although Chase wants me to upgrade to CPC. Just thought it might help us meet the spend for the SUB with me using it as well. But we’ll see.

 

any updates?

Message 13 of 13
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