Chase Sapphire Reconsideration After Getting Denied?

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5 posts
theking
 
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Joined: Mon Apr 09, 2012 10:13 pm
Location: Texas

Chase Sapphire Reconsideration After Getting Denied?

Postby theking » Mon Apr 09, 2012 10:21 pm

I have two questions and thanks for all responding.

First Question: I moved to USA in September. Right now, I have two Bank of America cash reward card. One Discover card and One Chase Freedom card which I applied 7th march and got around 13th march.

I am a researcher so I travel a lot and also need to go to my home country from time to time. Therefore, I applied for the Chase Sapphire card last week. I called them 5 minutes after application and they told me that I am rejected and cant do anything for reconsideration since I do not have much credit history.

One day later I called them again and talked with a nice lady who said that since I got a Freedom one month ago there should not be an issue for me to get approved for Sapphire, but fancy enough she told me she cannot verify my phone number. Although I told them I have a checking, savings and a Freedom card with Chase.

The other day I called again, and again, another nice lady told me that I just got the freedom card and they should watch me for some time.

My question is will it hurt to call them again, because the first lady I talked was very positive towards me about the possibility of reconsideration?

Second Question: Is there some income limit to get the Sapphire Preferred card? If yes any guesses? Or shall I go for the Discover Escape card, though the Chase card is better.

I need to buy plane tickets for 2,500 dollars soon. Any suggestions and experience are welcome.

Thanks a lot in advance.


jbman04
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Joined: Mon Apr 02, 2012 3:32 pm
Location: USA

Postby jbman04 » Sun Apr 15, 2012 1:53 pm

Calling them again does not mean that they will do another hard inquiry. Go ahead and call them again, explain to them again how and why you need BOTH of their products to suit your needs. Make sure you call the Chase reconsideration line directly, and are talking to "a credit analyst from the lending department"
Chase Amazon Rewards Visa (5k Limit): debit card replacement
3% amazon, 2% gas, 2% restaurants, 2% pharmacies, 1% other

Chase Freedom Visa (5k Limit): rotating 5% catagories, 1% other

Citi Diamond Preferred Mastercard (3k Limit): No interest for 18 months

Target Store Card: 5% discount! And free shipping online!

jeffysdad
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Location: Texas

Postby jeffysdad » Sun Apr 15, 2012 2:56 pm

If they balk at giving you the Sapphire card when you call again, suggest that they take a portion of your Freedom credit limit and move it to a new Sapphire account. They can do this and it's not a big deal. However, your limit might not be high enough to be useful to you?
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

bmw1990Z
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Location: USA

Postby bmw1990Z » Sun Apr 15, 2012 3:08 pm

you could apply for one of the amex travel cards
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

Money card
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Location: New York state

Postby Money card » Sun Apr 15, 2012 10:58 pm

But there's a foreign transaction fee that I'm guessing he/she doesn't want to pay. plus I think this person wants a low annual fee card.



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