Chase Sapphire Prefferd

[Anonymous]

Morning, 

Not sure how how many of you have been following my story; but I started with myFico about 6 years ago with a very low score after my husband left me and my children.  We were homeless; and left with 60k plus of debt.  Fast forward to 10/2020;  my scores reached a new high. I was finally pre-approved to purchase/BUILD my first home.  Fast forward... 7/29/2021, I closed on my home!! Moved in 7/30..its BEAUTIFUL.  Appraised at 30k more than what I paid for it.  GOD IS GOOD.  Throughout the entire time; I paid off every single penny of debt alone; saved money, and continued my journey to obtain new credit; keep utilization low ( a couple of bumps in the road), but still maintaining.  

Well on August 9, 2021, I decided to apply for the Chase Sapphire Preffered Card.  I was told it was a little hard to get; especially seeing that I just had a new mortgage; applied for several cards (after the closing) which meant several inquiries.  The response came back "we need more time to process your application".  Well; last night, I called to check the status of the card and it said that I was APPROVED!!

$8400.  I cannot believe it.  I am still stoked.  The only issue is that now; I have to learn to USE my cards.  I have been trained not to use them; now I have to begin to use the ones that I get points on.  

I have quite a few where I can either get cash back, points, rewards, travel ...but I have been trained not to use them bc of my past and the last year of not using them.  Any advice here?

[cashorcharge]

That’s terrific!  Congratulations on your CSP approval!! 👏🏼🎉🍾

[M_Smart007]

Congratulations on your new CSP !!!

[gdale6]

Sweet, grats on the new home and your new CSP card

[coreyb80]

Congrats on the approval! Much continued to success to you on the journey as well!!

[CreditAggie]

Congratulations on your CSP approval!

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@Anonymous wrote:

I have quite a few where I can either get cash back, points, rewards, travel ...but I have been trained not to use them bc of my past and the last year of not using them.  Any advice here?

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Use your credit cards to purchase everyday items you would normally buy with a debit card and pay them off in full every month. You won't pay a penny in interest or accumulate debt if you use them this way. 

[WenW]

CONGRATS!!!! Echoing what @CreditAggie said. I put a monthly calendar reminder in my phone to check & pay off balance before statement cuts. I also use one card for every day purchases & another for recurring subscriptions. Dont forget to check which cards give what benefits per category of spend so you can maximize those points/cashback! Keep up your great work

[KingRue8500]

Congrats on your Chase Sapphire Preferred approval

[Anonymous]

The clock started when you got approved. So concentrate on how to spend 4K in 3months to get the SUB. I'm paying my property tax when I get the card.

[Anonymous]

That is great news.

Keep up the good work

Thanks for the post

Mark