Uncategories Chase Sapphire Preferred® Card

Thứ Hai, 16 tháng 5, 2016

Chase Sapphire Preferred® Card

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CHASE SAPPHIRE PREFERRED® CARD

Cardholders’ Choice i
Approval Odds†
Overall(309 Reviews)
Application Process
Customer Service
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CARDHOLDER RATING DISTRIBUTION (215)

  • 5 stars
    84%
  • 4 stars
    9%
  • 3 stars
    2%
  • 2 stars
    0%
  • 1 stars
    5%

CARD DETAILS

Balance Transfer Intro APR Not Applicable
Balance Transfer Regular APR 15.99%* Variable
Purchase Intro APR Not Applicable
Purchase Regular APR 15.99%* Variable
Annual Fee $0 intro first year, then $95
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HOW CREDIT KARMA CAN HELP

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MOST HELPFUL POSITIVE REVIEW

Review by

supervelousAug 23, 2013
APPROVED WITH ONLY FAIR CREDIT
Helpful to 86 out of 93 people
Don’t be discouraged if your credit score, history isn’t excellent, or you don’t have other high limits.  I have a 690 TU Fico and a 680 Equifax FICO, 700 on Credit Karma and they listed my chance of this card as “Poor”.  Also, I have 27 lates in my history, including a 90 in 2007, and a 60 in 2009 on my car loan.  Only two of those 30 day lates are in the last 2.5 years though, and none in 2013. To top it off, I had no high limits on my cards.  I had 2 Chase Cards with $250 & $300 limits, a BOA with $500, Capital 1 with $300, and Cap 1 turned me down for a Credit Limit Increase. Well, I went on Chase site and used their pre-qual tool, and Freedom came up, I applied and was approved for $5,000.  Next day, I decided I wanted to pair with Sapphire Preferred.  I thought for sure declined, but was approved for $6,000.  Only telling you because it is nice to know Chase looks at other factors besides raw score and history, and if you have a similar profile to mine, don’t be discouraged from applying. In my case I had $75K income, up a lot from prior years due to promotion, had paid all my cards down to zero so low Utilization, and had 2 credit cards, a checking, and a savings with Chase for years.  I believe it was my combo of good debt to income & prior relationship with Chase that allowed me to be approved despite having a relatively low score. So, don’t be discouraged if Credit Karma tells you “poor”.  And use Chase Pre-Qual, someone had told me if an offer pops up for you, there’s a very good chance of approval.

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