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Chase Sapphire Preferred Result and Citi Double Cash CLI result

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Frequent Contributor

Chase Sapphire Preferred Result and Citi Double Cash CLI result

Hey everyone!

After a lot contemplating and worrying about rejection, I finally took a deep breath and applied for the Chase Sapphire Preferred card.  All that worry was apparently for nothign.  I was approved with a $10,200 SL and a 17.49% APR (which I hope to never use).  I'll admit, I may have teared up a bit to see this instantly approved as my credit redemption journey is now 100% complete.  Chase, along with Nordstrom, are the two companies I wanted to get back in with after my BK around 20+ years ago when I was just coming off being a teen.  It goes to show that being in the garden can really pay off, too.  

 

Here are my DPs from my original post (which I hope a moderator can close, please!), along with a few more I forgot:

Inc - $46K

Util - 4% (all cards reporting 0% except Best Buy which is about 40% because of interest free financing)

Inqs - 4 for Exp (Rental agency, Nordstrom card, Sprint, and Best Buy), 3 for EQ (all for my auto loan), and 1 for TU (Barclays for my CLI on Uber)

Scores - EX 809 EQ 792 TU 781

Exceptional payment history and no baddies
AAoA 9+ years

Oldest Account 28 years (student loans inflating that AAoA for the win!)

4/24 as BCE fell off in December and Citi DC/Barclays Uber fell off mid-January

Nothing on their prequal site and the offers under the Credit Journey just offered products of "credit card," "checking," and "mortgage."  

 

Chase pulled Experian and Equifax for my approval.  If it helps, I'm in Virginia.

Lastly, I talked with Chase after my approval to see if I could get a shortened version of my name put on my card rather than what the application asked for.  Let me tell you, they are so friendly and were very helpful in doing this.  I should have my card within 3 to 5 business days and it will have the name that I go by and sign for everything.

I cannot express how excited I am for this card.  The $4000 will be an easy achievement.  I'll put my other half's rent for two months on there and then use it on a road trip at the end of the month.  Bring on those rewards!

Thank you to EVERYONE for putting up with me and for all the advice and sharing.  It really made pulling the trigger a little easier and added some confidence to go for it.

Not to get lost in all the joy, I did my SP CLI for my Citi DC.  It went from $9600 to $11,600.  Even though Citi had no idea about the new Chase card, I guess the credit gods out there didn't want my DC card to fall behind.  Smiley Very Happy

It's definitely a good day.  Now it's off to the garden for a while.  Good thing I bought some plants today to tend to for the next few months.  I think I need a good stiff drink now!

BCE AMEX ($16200) - Citi DC ($11600) - Chase Sapphire Preferred ($10200) - Delta Gold AMEX ($6000) - Best Buy Citi Visa ($5800) - Nordstrom Visa Signature ($5000) - Hilton Honors AMEX ($5000) - Uber Barlayscard ($5000) - Sony/Sync ($2400)

Closed - Capital One Secured - It's not in my wallet. :-)

Feb 2020 EQ 792 - - Feb 2020 TU 781 - - Feb 2020 EX 809

Goal - To get in with Chase. Smiley Very Happy (ACHIEVED!)
Message 1 of 21
20 REPLIES 20
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Senior Contributor

Re: Chase Sapphire Preferred Result and Citi Double Cash CLI result

Congratulations on your approval and CLI!

Message 2 of 21
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Frequent Contributor

Re: Chase Sapphire Preferred Result and Citi Double Cash CLI result

Congrats on your CSP, and CLI on your DC!


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Message 3 of 21
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Frequent Contributor

Re: Chase Sapphire Preferred Result and Citi Double Cash CLI result

Congrats!

Message 4 of 21
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Established Contributor

Re: Chase Sapphire Preferred Result and Citi Double Cash CLI result

CONGRATS on Chase, your Citi CLI, and being back w/Nordstroms. 



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Starting Scores

Current Scores

Goal Scores
Message 5 of 21
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Established Contributor

Re: Chase Sapphire Preferred Result and Citi Double Cash CLI result

It’s a win! Congratulations! 

February 2020
Experian Fico 8. 682
Transunion Fico 8. 697
Equifax Fico 8. 709

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $11,500
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900

All cards opened between Oct 2018. - Nov 2019

Message 6 of 21
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Valued Contributor

Re: Chase Sapphire Preferred Result and Citi Double Cash CLI result

Congratulations!



Message 7 of 21
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Established Contributor

Re: Chase Sapphire Preferred Result and Citi Double Cash CLI result

Congratulations on your approval and CLI! 👍





INQ's: EQ: 0 TU: 0 EX: 0 (last 12 mo.)
Recent Accounts: 1 (last 24 mo.)
Total CL: 14.95k Util. 0% AAoA: 2 yrs, 1 mo.
AoOA: 2 yrs, 6 mo. AoYA: 1 yr, 5 mo. 100% PIF.





Goal Cards:


myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 8 of 21
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Moderator

Re: Chase Sapphire Preferred Result and Citi Double Cash CLI result

Excellent double play, grats Smiley Happy
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 9 of 21
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Frequent Contributor

Re: Chase Sapphire Preferred Result and Citi Double Cash CLI result

Congratulations!




Starting score - May 2018

January 2020

AAoA - 10 months
Message 10 of 21
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