- Green Member
- Posts: 5
- Joined: Fri Jul 10, 2015 5:22 pm
My Transunion Credit Score/Equifax are both 721.
Hi Guys! I am hoping you can help me out. I applied for the Chase Sapphire Rewards Credit Card online, but after I did that they told me my application was pending and I needed to call them. After I called them, I verified my identify, and then before they could even say anything told them to change my SSN number on the application because I realized I had a typo in entering it. After this, they came back and told me they would review my application and let me know within 14 days, and that I had to fax them in a copy of my government issued ID. Right after I got off the phone with them, I faxed them my driver's license and SS Card.
My CK is 721 currently, I have a car loan that's been outstanding since May 2013, I have a Best Buy Credit Card with a $2,000 limit that I have $700 that has been outstanding since March 2015 (I bought a laptop on it), and I have a Barclays Apple Rewards Card with a $4,000 limit I also got in March 2015 but have never used once (I thought I was going to buy a Mac, but changed my mind, would use this card but don't want the rewards they offer--just apple gift cards). ALL my payments have been made on time in each month and I have never defaulted once.
My question then is, what are my chances of getting approved? Or will I be denied? And if I am denied, will this hurt my credit score or will it go on it?
Also, if you don't think I will be approved, I have been prequalified for the Capital One Venture Credit Card. Should I apply for this one right now or wait?
I'm new to all of this. Thanks!
Thanks so much again!