CCnovice wrote:My question is: when can I re-apply for sapphire?
It's never just about score or time. What were the denial reason(s) from Chase? Have those been addressed?
CCnovice wrote:I've seen 3, 6, and 10 months around the internet and don't know what is actually the accepted answer on this.
You'll always find all sorts of info out there on the intertubes and you have to consider your sources as well as validate, corroborate, etc. Again, it's never just about time. A person's credit could sufficiently improve in any of a number of timeframes. A person's credit may never sufficiently improve. It's all about the specifics of the person's credit profile.
I would guess that your problem was not having any of your own established tradelines since you mentioned that you were relying on being an AU on other accounts. 6 months is a generic suggestion with the new account you have but it's not a guarantee that you'll get approved at that point. I would guess that you need to invest more time and effort in building your credit before going for the CSP again. 1 card new card is a very thin and young profile unless you happen to have other credit accounts reporting that you have not mentioned.