Chase sapphire or sapphire preferred

[kobe2012]

is it easier to get chase sapphire or the CSP if i am currently a freedom cardholder?? am thinkin of applying in may of 2013 when all of my new accounts are gonna be a year or at least a year old.... and when my last collection falls off but still have 2 charge offs from 6 years ago.... my freedom will be 7 months then... hopefully, scores would be in the 700's if there's no new negatives pop up... any thoughts?

please list scores and baddies at the time of approval, it will help a lot .... thanks in advance!

[pkosheta]

My guess is the requirements are the same.  One just has a 95 dollar annual fee and some extra perks.  When u go on the chase website, get emails, etc sometimes it references you have he preffered version, but a lot of time it just refers to your sapphire account.   U can always downgrade pref to regular before the annual fee hits the next year as I plan to do!!  Best to app in march so u get the annual dividend before your annual fee hits the following year ( they say it gets credited in jan or feb.) that way if u downgrade u don't miss out and u get as much of the year for that extra .07/.14 as possible

[daybreakgonesXe]

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@kobe2012 wrote:

is it easier to get chase sapphire or the CSP if i am currently a freedom cardholder?? am thinkin of applying in may of 2013 when all of my new accounts are gonna be a year or at least a year old.... and when my last collection falls off but still have 2 charge offs from 6 years ago.... my freedom will be 7 months then... hopefully, scores would be in the 700's if there's no new negatives pop up... any thoughts?

please list scores and baddies at the time of approval, it will help a lot .... thanks in advance!

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Either way both are easy to get with a previous relationship with Chase, but looking at your scores and limits, CSP may be a far reach since they do like to see experience with a minimum $5000 limit for it. But since you're waiting for some baddies to pop off your scores will definitely increase and 5 months will make it even better!

Since I'm a.) not much of a big spender on travel/other things just yet, b.) loathe annual fee cards (though i'll probably change my mind once I have a real career and my spending increases exponentially on travel) and c.) thought I would be taking a mini-vacation soon that involved booking a trip, I app'd for the Chase Sapphire 11/15. No baddies, negatives, late payments, 2 years 5 months oldest tradeline, AAoA of 19 months, and CK of 755, credit.com of 733, and CS of 754, I pulled the trigger. Got a $10,000 limit, and had the Freedom for almost a year with a $7000 limit it was in further review for 5 days though!

Hope that helped a little

[kobe2012]

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@daybreakgonesXe wrote:

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@kobe2012 wrote:

is it easier to get chase sapphire or the CSP if i am currently a freedom cardholder?? am thinkin of applying in may of 2013 when all of my new accounts are gonna be a year or at least a year old.... and when my last collection falls off but still have 2 charge offs from 6 years ago.... my freedom will be 7 months then... hopefully, scores would be in the 700's if there's no new negatives pop up... any thoughts?

please list scores and baddies at the time of approval, it will help a lot .... thanks in advance!

---

Either way both are easy to get with a previous relationship with Chase, but looking at your scores and limits, CSP may be a far reach since they do like to see experience with a minimum $5000 limit for it. But since you're waiting for some baddies to pop off your scores will definitely increase and 5 months will make it even better!

Since I'm a.) not much of a big spender on travel/other things just yet, b.) loathe annual fee cards (though i'll probably change my mind once I have a real career and my spending increases exponentially on travel) and c.) thought I would be taking a mini-vacation soon that involved booking a trip, I app'd for the Chase Sapphire 11/15. No baddies, negatives, late payments, 2 years 5 months oldest tradeline, AAoA of 19 months, and CK of 755, credit.com of 733, and CS of 754, I pulled the trigger. Got a $10,000 limit, and had the Freedom for almost a year with a $7000 limit it was in further review for 5 days though!

Hope that helped a little

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I don't travel a lot either.... just like the looks of the card...lol.... am in the garden for almost two months... i won't be applying for anything til april or may... hopefully by then, a lender would trust me with 5k limit....