Had some good luck with Chase today

**Ratfacedudeguy** · Nov 11, 12, 3:56 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.

**Jslimm1985** · Nov 11, 12, 4:11 pm

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

**Vermonster** · Nov 11, 12, 5:13 pm

Originally Posted by Jslimm1985

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.

**jlam572** · Nov 11, 12, 5:20 pm

Congrats. Chase burned me recently and I dont want anything to do with them...but Im glad it works out for others.

**DavidNY** · Nov 11, 12, 5:41 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** · Nov 11, 12, 5:47 pm

Sounds awesome. I'll have to dive into it a bit more.

**bisbicos** · Nov 12, 12, 7:35 am

I love everything about my chase freedom card, except the APR 22.9. I never carry a balance

**Ratfacedudeguy** · Nov 12, 12, 10:26 am

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.

**FutureBillionaire** · Nov 12, 12, 10:35 am

I'm glad that worked out for you. Good stuff.

**Snowman** · Nov 12, 12, 12:11 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.

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Had some good luck with Chase today