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Go to the backdoor numbers thread sticky (think it's in Credit Card Applications forum here) and get Chase's recon and verification numbers. If you aren't instantly approved, call the numbers.
I usually suggest NOT applying near a weekend -- do it during business hours of a weekday so you can call in. Today is a holiday (I think) so they're probably closed and I know branches are closed tomorrow for a holiday.
sorry if I missed it but what does the pre-qual show if anything? I always have applied with 0-1% and it has served me well and i always double app and its always been a single hp. a branch is handy as you can recon on the spot with help of a banker, + gives a bit more credibility imo, they have checked your id, etc. chase is great, good luck with this
@Anonymous wrote:
I haven’t attempted to prequalify yet. Going in to a branch would be difficult. The closest one is over an hour away, but I’d do it if it’s going to make a big difference.
don't know about big, I prob have 8 branches within 10min from any direction so its a snap...https://www.chase.com/prequalified - - go here and see what you come up with. you have a decent line with the cap1 and you seem solid but if it were me i would drop the util to near nothing. you want to get a good sl and >% and a low util does not hurt
If you are going to double up with chase and are under 5/24 , best plan of action is CSR+CSP since you can get both at once and you would not be allowed to get them normally due to one sapphire rule. You will have to google the way to do it. Once you do that when CSP AF is about to hit next year you can downgrade that to the freedom.
@mongstradamus wrote:If you are going to double up with chase and are under 5/24 , best plan of action is CSR+CSP since you can get both at once and you would not be allowed to get them normally due to one sapphire rule. You will have to google the way to do it. Once you do that when CSP AF is about to hit next year you can downgrade that to the freedom.
@Anonymous't do 2 @ once anymore and his profile would not support it
It is a big accomplishment (imo) to go two years without any hard inquiries. I would just cold app for two Chase cards at once since you're profile is very clean, and nothing seems to be holding you back. In meanwhile head over to the garden topic and ask a mod for a Diamond
@mongstradamus wrote:If you are going to double up with chase and are under 5/24 , best plan of action is CSR+CSP since you can get both at once and you would not be allowed to get them normally due to one sapphire rule. You will have to google the way to do it. Once you do that when CSP AF is about to hit next year you can downgrade that to the freedom.
Even if possible, you still need some caveats, mainly can the OP meet the spend on both cards in the same period?
@Anonymous wrote:
Bourgogne, do you mean I can’t apply for two Chase Saphire cards or two Chase cards period? Thank you!
Chase only allows customers to have one Sapphire card. That rule change came this past summer. The post above indicates that there's a way to circumvent that, but I'd play by the rules. I believe they allow you to apply for two products at the same time, though, e.g. a Sapphire and a Freedom.
As far as I know, there aren't any pre-quals for the CSR. You simply need to roll the dice.
I think you have plenty of history to satisfy Chase. I'd get utilization down, which is something that you've acknowledged. After that, I think the only real issue is the $10,000 minimum starting limit on the CSR. Chase may or may not be willing to give you that. But I think you'd be absolutely fine with the CSP, which has a $5,000 minimum starting limit.