Had some good luck with Chase today

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Ratfacedudeguy
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Had some good luck with Chase today

Postby Ratfacedudeguy » Sun Nov 11, 2012 5:56 pm

I've been pretty vocal for a while now about my pursuit of the Chase Sapphire Preferred. Imminent holiday spending needs reignited my interest in the card to more easily qualify for that 40k signup bonus, so after what seemed like forever waiting for my accounts cycle today was finally the day to pull the trigger. As expected, I got the "you will be contacted within 30 days" message, so I hopped on the phone with the Chase Backdoor line at around noon (to be honest I didn't even know they were open on Sundays) and after some ID verification questions the loan analyst put me on hold. Guys, I was holding my breath and crossing my fingers and toes for the longest 2-4 minutes I've had in a while. She came back on the line and congratulated me on my new Chase Sapphire account with a $5k limit! Of course I logged onto my online banking and confirmed it was the Preferred version by going to the Ultimate Rewards page and verifying that the travel rewards were discounted and that the option to transfer points to frequent flyer programs was indeed at the top of the page.

Feeling extra daring, I decided that I wanted to go for the Amazon card too because I'm starting to shop there more often now, and I could really use a $50 gift card to help me out with Christmas shopping. Lo and behold, same wait message, as expected. I called the recon line again at about 5:30 and I got the same loan analyst from my previous call. When she came back from processing the app, she let me know that the application was denied... But she recon'ed it for me and approved me for a $2k line!

So from July to now, I've gone from Chase wanting nothing to do with me after I had closed my $400 Slate card to a $1500 Freedom, $5000 Sapphire Preferred, and $2000 Amazon card. Feeling pretty good about it.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13


Jslimm1985
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Postby Jslimm1985 » Sun Nov 11, 2012 6:11 pm

That is absolutely awesome. Congrats. I'm not too familiar with the Chase line. Any suggestions for cash back cards?
Revolvers
Credit Union MC 3/2004 ($6K)
Capital One Platinum 3/2005 ($500) :mad:
Dell Financial Services CC 2/2007 ($2.5K)
USAA Cash Rewards World MC 10/2011 ($9.5K)
AMEX BCE 01/2013 ($10K)

Chargers
AMEX Gold 1/2011(NPSL)

EXP 721 (01/02/2013) Amex
EQU 695 (01/10/2013) PenFed
TU 705 (01/22/2013) MyFico

"Please don't thank me for serving, I want to thank you for letting me serve on your behalf"

Vermonster
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Postby Vermonster » Sun Nov 11, 2012 7:13 pm

Jslimm1985 wrote:That is absolutely awesome. Congrats. I'm not too familiar with the Chase line. Any suggestions for cash back cards?


I think the Freedom would be your first stop. It has 5% rotating categories, with 1% for everything else, so it can be pretty hit or miss. If you link it with a Chase checking account you get 10 points for each transaction as well as an additional 10% of the purchase price. On about $400, of 1% purchases, I made almost 700 points. You can exchange points for money at a 1 to $0.01 rate.
Case Freedom $5k
Chase Sapphire Preferred $5k
Amex Blue Cash Preferred $6k
Citi Double Cash $2.4k


jlam572
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Location: Hawaii

Postby jlam572 » Sun Nov 11, 2012 7:20 pm

Congrats. Chase burned me recently and I dont want anything to do with them...but Im glad it works out for others.
American Express Platinum
Chase Sapphire Preferred
Hawaiian Airlines BOH MC
USAA Amex
Capital One Visa Platinum
Citi Diamond Preferred MC

DavidNY
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Location: New York

Postby DavidNY » Sun Nov 11, 2012 7:41 pm

Nice to hear about your new CSP card. Chase cards are great with those nice sign-up bonuses.

Jslimm1985, As Vermonster suggested, I'd start out with the Freedom card.

Jslimm1985
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Joined: Wed Sep 05, 2012 8:13 am
Location: Fort Dix, NJ

Postby Jslimm1985 » Sun Nov 11, 2012 7:47 pm

Sounds awesome. I'll have to dive into it a bit more.
Revolvers
Credit Union MC 3/2004 ($6K)
Capital One Platinum 3/2005 ($500) :mad:
Dell Financial Services CC 2/2007 ($2.5K)
USAA Cash Rewards World MC 10/2011 ($9.5K)
AMEX BCE 01/2013 ($10K)

Chargers
AMEX Gold 1/2011(NPSL)

EXP 721 (01/02/2013) Amex
EQU 695 (01/10/2013) PenFed
TU 705 (01/22/2013) MyFico

"Please don't thank me for serving, I want to thank you for letting me serve on your behalf"

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bisbicos
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Location: Newton, MA

Postby bisbicos » Mon Nov 12, 2012 9:35 am

I love everything about my chase freedom card, except the APR 22.9. I never carry a balance
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink


Ratfacedudeguy
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Location: Baltimore

Postby Ratfacedudeguy » Mon Nov 12, 2012 12:26 pm

True story man. They hit me with the same apr for my Amazon card too. But like you said, balance carrying is out of the question so no big deal there.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

FutureBillionaire
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Location: Down South

Postby FutureBillionaire » Mon Nov 12, 2012 12:35 pm

I'm glad that worked out for you. Good stuff.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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Snowman
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Postby Snowman » Mon Nov 12, 2012 2:11 pm

Nice job Rat! I want to apply for a Chase really bad, but I'm holding until December or maybe next year until I apply for one. Let us know how good the Amazon card is, I shop there at least 1-2 a month and I always am lured into taking their offer during checkout but, I never apply for it because I don't know how good it is.
Cards And Credit History
Bank Of America: BankAmeriCard Cash Rewards-4/25/12-1,000$ (CLI Increase on 6/15/13)
Citi: Forward-10/27/12-3,000$ (SP CLI 2/8/14)
Discover: More. 10/27/12-2,000 (Auto CLI 5/31/14)
Amex: PRG.- 11/24/12 (Closed 12/13/13) Amex BCE.2k-12/7/13. Amex SPG-4k.-12/8/13
Chase: Freedom-2,400-5/1/13. Southwest Rapid Rewards Plus- 3,600- 6/15/13.
Future Cards
Marriott Premier Rewards
American Airlines AAdvantage Gold
Chase Sapphire Preferred
Fidelity Amex



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