Learn more about the Chase Sapphire Preferred: 💳 Sebby’s Card Picks: Click “Show More” to see Ad Disclosure
Italic:
📈 Get 3 Free Stocks on WeBull when you deposit $100:
💸 Try Plastiq and get $1,500 fee free dollars after you send $5k:
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Related Blog Posts
[ CSP 80k Calculator ]
[ CSP vs CSR Calculator ]
[ How to use Chase Pay Yourself Back ]
[ Chase Sapphire Grocery and Travel Credit ]
[ What you can pay with Plastiq ]
[ WSJ Article Credit Score Article ]
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Timeline
0:00 80k CSP Last Call
4:20 Lightning Round
6:17 Credit scores increasing + what it means
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The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available
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46 comments
Should I go for this card if I got my first credit card in January and was able to get a freedom unlimited card in September.
I plan on pulling the trigger in about six months to get the CSP
I’m so sad, my 5/24 ends in December so Ima miss the $800 bonus
So if I get approved by Monday I am still eligible for the 80k? Seeing that credit cards take almost around 3wks to arrive.
I think credit scores will decrease as people likely default on their mortgages.
The way I see it, like the 0% interest for a time period, people end up spending the money they should have saved or invested. This leaves them with a large payment at the end and possibly drowning in debts towards defaults.
Hmmm…was he dropping hints? Is he wearing pants?
What goes up must and eventually come down.
If I apply for the CSR now and get accepted before the deadline, do I still get the promotion but will have to spend that $4000 before the deadline? Or do I just need to get the card before the deadline and I'll get about whatever amount of months to spend that $4000?
I won $0.40 on Yotta this week, albeit it all came from the Sunday Yotta Ball selection matching 4 tickets. None of my Mon-Sat tickets won anything.
👍👍
Like button smashed! For me, I would consider discontinue using a bank's cards if they start requesting more info than they normally do. I realize it's their right to do so, but if it gets to invasive, then I need to consider other options. Great video, thanks!
What do I do with all the hard inquiries I have? I have like 20 now!! 😂
As far as credit scores increasing, the number one reason according to WSJ is likely that banks are offering forbearance. As soon as people need to pay their debt because forbearance is no longer offered, that's when you may see those scores drop.
Speaking of Amex offers, I got one on my gold a few weeks ago to get $45 back on Mint Mobile if you spend $90. So that's basically 50% off for nearly a year of cello service
Just applied for the CSP and got a $7,700 limit 🤙
Those Drake hands are getting serious
If there was a bonus for flex and I downgrade from sapphire preferred, would I be able to get that flex bonus
I've learned a lot since finding your channel. Btw, would love for you to do a Bank SUB video.
Does anyone know if chase will give you 20k points
If you recently signed up when the bonus was 60k?
Can I be an authorized user on someone else's CSP if I already have my own?
You've peaked my interest with Italic. You should review the concept and thoughts on what you've purchased on the second channel. At a quick glance the site looks nice but options are limited. Have you seen new items added with frequency?
Is it more worth to tranfer points to airline than hotel?
They should keep that bonus until Jan. Why are they rushing for? I am still trying to make an attempt to apply for it jeez
Sebastian, do you think there's any possibility of Uber Card holders being able to swap to the AARP card? Seems like branded cards often don't like each other for product changes or upgrades/downgrades, but also didn't know how Barclays handles things like that.
ask sebby excellent video got to be careful with IMAX though ask sebby since you are one of the fans of American Express cards as for me I believe that you don't even need them but they do have such good cards though
I am going to wait, I just got the Flex on October 1st, and from Sept 2019 I got Hyatt, CIC, CIU, CIP, CFU, CF and CFF. But another reason is that if we going to have a bad winter with Covid I think there could be better deals ahead, I have 1 slot open.
Which do you think gives me the highest chance of approval: applying in person at the branch, over the phone or online? Or is that irrelevant?
I was going to signup for the CSP but I was also looking at the Marriot Boundless card. Not sure I would be able to hit both minimum spends to earn the SUB. What should I do???? I am thinking the CSP but not sure.
The credit card guru?
My ban from applying cause of 5/24 ends on Nov 20th. What do I do?? Apply anyways? Then call the recall line on Dec 1st?
asksebby, is it worth it for me to downgrade my reserve so I can get the preferred sign up bonus? then just upgrade again in the future when its safe to travel again?
I get out of 5/24 on December 1st 🙁
Would like to get the CSR soon but want the bigger bonus for CSP. Is upgrading soon after receiving CSP possible? Thanks!
Just applied for the CSP and was approved for $5,400 🤠
If chase doesnt want to extend me credit and I bring the option to transfer credit from a freedom credit card to a new saphire preferred, am I elegible to the intro saphire preferred bonus?
Sebby, I have a 745 fico, under 5/24, make 95K per year, 25% utilization on 14K credit limits. What are my chances of getting approved for CSP?
I think it has a lot to do with small credit repair companies. In the south, it is a huge business. Every week, someone on my FB timeline is helping repair credit.
Are you eligible for the CSP 80K SUB if you are an authorized user on someone else's CSR? Thanks
Thanks Sebby! I’ve been encouraged from watching your vids; just cold-apped and was approved for CSP with 6/24 before the 80K SUB offer expires!
Sebby is the best hands down
Thanks for all the great videos, Sebby! I recently applied for Sapphire Preferred before the promo ended and just got approved today!! I'm so excited because I've been wanting this card forever!! Thanks for all the tips 🙂
I got a pre selected letter for this card and it says I have until 12/21/2020 to apply and still receive the offer. So idk if it apples only to my offer, or for everyone else as well. Just though I’d share
Can I get approved with a 714 credit score. On my chase Mobile App, I went under my offer and this card showed up. Should I take a risk and apply it or not? I travel a lot yearly.
This is True. For my score sapphire is not an option. I use chase for my paychecks. A week ago I got chase shapphire pre approval and I got approved for good credit line. I was wondering how did that happen. Now I get it. Also I see my other credit card providers are started asking about my salary. I guess banks have already started the process
Income verification…oh shoot. I guess entering that I make $400k a year in order to get a higher credit limit won’t work anymore.
I want to ask Sebby… if I get the intro bonus; do I keep my points if I downgrade to a no anual fee chase card in the second year?