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SURPRISE CHASE SAPPHIRE PREFERRED!

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Mones
Frequent Contributor

Re: SURPRISE CHASE SAPPHIRE PREFERRED!

Yep, no problem, I like to supply as many datapoints as I can cause I know it'll end up being helpful to someone out there and I don't mind the reference, it is good to keep everything updated and I was honestly going to update it myself. Smiley Happy Thanks for your contributions to the forum @Aim_High!

Current Cards (in order of approval)

Closed Cards


Current FICO 8 Scores (As of Feb 12th, 2025):
Inquires (6/12/24):
Account Age metrics:
Updated Mar 12th, 2024
Message 11 of 22
CreditAggie
Community Leader
Super Contributor

Re: SURPRISE CHASE SAPPHIRE PREFERRED!

Congratulations on your CSP approval! I did the same strategy last year with getting the 80K SUB on the CSP by putting my tuition on it and then PIF. 

Current Cards (in order of approval):


         
Current FICO 8 | 9 (October 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 12 of 22
SouthJamaica
Mega Contributor

Re: SURPRISE CHASE SAPPHIRE PREFERRED!

Congratulations on your surprise approval Smiley Happy


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 13 of 22
Guyatthebeach
Valued Contributor

Re: SURPRISE CHASE SAPPHIRE PREFERRED!

@Mones ,

 

Congratulations on your approval! Thanks for the detail. I will keep it mind when I apply for Chase card. It will be a while, because I'm at LOL/24.

 

Guyatthebeach

Message 14 of 22
cashorcharge
Community Leader
Super Contributor

Re: SURPRISE CHASE SAPPHIRE PREFERRED!

WooHoo!! Congratulations on your Surprise Chase Approval!!👏🏼🍾🥂

Message 15 of 22
JoeRockhead
Community Leader
Super Contributor

Re: SURPRISE CHASE SAPPHIRE PREFERRED!

Very nice, congratulations!

Message 16 of 22
CreditMagic7
Mega Contributor

Re: SURPRISE CHASE SAPPHIRE PREFERRED!


@Mones wrote:

Needed backstory, I recently got approved for the United Explorer card just last week seen on this thread: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/7-200-United-Explorer-Approval/m-p/6690610

 

The only real thing I was waiting for at that point was an 80k+ Sapphire Preferred bonus which I found online and I was dared into applied so I did and originally just said thanks for applied on July 1st without decline, 7-10 message or 30 day message. (all datapoints and my personal notes are attached below). At first, it was declined for a fraud alert on July 4th, I talked with Verification department and got everything moving again. Needless to say, I was debating at times to just call in and ask to move limits around to get it approved but I looked at the thread on Chase 2 week pending notices and everyone recommending to just wait it out, I even thought to just tell them to move credit lines over for the approval but I was patient as others on the forum before me. 

Eventually, to my complete shock I was actually approved given EVERYTHING on my profile with account ages, 5/24 even if AMEX BCP and United aren't reporting I am at 7/24 with AU, 5/24 without AU and Chase knows it is actually 6/24 without AU cause they just approved the United explorer card. To more surprise, they did not reallocate any limits and instead extended MORE CREDIT! TCL is now $16,600 on $24,000 income, only $3 balance between the other Chase cards. I am attaching a photo for proof as is obviously needed for this type of thing. Newest card was just today updated to be the BCP but the HP from Chase was from a couple of days ago. Locked out of apps for a good year but will also have free flights in the meantime (and the 48 month Sapphire clock is now rolling for when I graduate college). 

Screenshot 2023-07-06 at 3.18.39 PM.png

 

I hope this is a lesson to others on MyFico for 1. Don't do this (although obviously I did) 2. Don't ever talk to lending just like people here have warned before, there is NO WAY, I would have been approved with lending scrutinizing my application since they would have looked into my recent approval 3. Don't talk to lending if it is pending 2 week (reiterated)

 

 

 

FULL DATA POINTS AND NOTES BELOW:

Applied on July 1st with a "Thanks for applying, we'll get back to you soon" message, I forget the exact wording, I'll see if I can find a screenshot I took.

Call back on July 2nd (heard 2 week message)

Verification: (July 3rd…)

  • 1-2 weeks…. (internally shows 1-2 weeks), no decision yet and no verification needed

July 4th, a new letter shows up in the Chase app about Fraud/Verification which is why they declined the application.

Called July 4th about fraud and verified it was me applying

 

July 5th, called in and heard 2 week message again …

 

July 6th called in heard 2 week message and continued to verification and was told the app showed up as sent through July 4th

Went in branch, they said they couldn’t see or do anything on the application unless it was done in branch.

~2:30pm EST July 6th got Chase email saying it was approved and it showed up in the app. I called in and they put in expeditied shipping.

 

All in all, a surprise application and now I will be getting the SUB with this and the United Explorer card as I pay tuition (and of course, pay the card off right after). I wanted to give all this to be as transparent as possible and give information to other after me that whatever you think may not get approved, you never know until you try (and possibly fail along the way).


Congratulations!

Message 17 of 22
ACN323
Regular Contributor

Re: SURPRISE CHASE SAPPHIRE PREFERRED!

Congrats @Mones! insanity lol! 

Started at 490 in Dec.18’'
EX8 740 EQ 756 TU 753
Discover IT $4.7k
Apple Card $2.5k
Amex BCE $10k
Amex Delta Gold $15k
Citi LL Bean $5.4k
Synch Adorama $2k
Chase Sapphire Preferred $8.4k
Message 18 of 22
Marmot
Frequent Contributor

Re: SURPRISE CHASE SAPPHIRE PREFERRED!

Congratulations!!!

Message 19 of 22
Mones
Frequent Contributor

Re: SURPRISE CHASE SAPPHIRE PREFERRED!

Yeah, it was pretty insane, filling up two Chase slots in 5/24 while really already over it. Honestly, it might have been a bit of luck.

Current Cards (in order of approval)

Closed Cards


Current FICO 8 Scores (As of Feb 12th, 2025):
Inquires (6/12/24):
Account Age metrics:
Updated Mar 12th, 2024
Message 20 of 22
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