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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.
Thanks for your contributions to the forum @Aim_High!








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.
Congratulations on your surprise approval ![]()





























@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
WooHoo!! Congratulations on your Surprise Chase Approval!!👏🏼🍾🥂
Very nice, congratulations!
@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).
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!
Congrats @Mones! insanity lol!
Congratulations!!!
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.







