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If you’ve recently bought a home, car, or other large purchase and are carrying around some debt, this may not be the right time to apply for any new credit card, let alone the Chase Sapphire Preferred® Card.This also applies if you’ve recently moved and therefore your rent will look a lot higher than your income.There are a few reasons that Chase might not approve you if you have too many credit cards open.Lots of credit cards could indicate poor financial decisions, but it can also be the sign of someone who is only signing up for credit cards for the bonus points and closing them a year later. It’s also possible to go too far in the other direction.If you’re looking into this card, be sure to double check how many cards you’ve not only been approved for but how many you’ve applied for.Also, take note of when you were approved for or applied for those cards.
We’ve scoured the internet and done some research on just what credit score you need to be approved and hold one of these full-metal cards in your possession.
I plan to make some travel plans so I want to take an advantage of the bonus they offer.”If you’re thinking to apply, we suggest looking at all of the above-listed factors and how you fit into those checkpoints.
Unless the rest of your report is stellar, we recommend not applying unless your credit score is 700 or above, and we think you have a much better chance if your score is above 720.
This rotates from time to time so there’s no way of knowing which of the credit reports will be used to evaluate your credit score when you apply for the Chase Sapphire Preferred.
Chase will also look at the total number of credit cards that you have open when you apply for the Chase Sapphire Preferred card.