The Determined Applicant’s Guide to Chase Approval

Imagine this: You’re eyeing a Chase credit card—maybe the Chase Sapphire Preferred with its juicy travel rewards—and you’re ready to apply. Your credit score’s solid (mid-700s, anyone?), your financial history is spotless, and you’re practically giddy to click “submit.” Then, boom—a rejection email lands, muttering something about “identity verification” and “possible fraud.” I’ve been there, and it’s maddening. Here’s my tale of three failed attempts, plus actionable tips to help you snag that Chase card in 2025.

My Chase Rejection Saga
Last December, I went for the Chase Sapphire Preferred. Great perks, manageable fee—seemed like a no-brainer for someone with my credit. Wrong. Chase shot me down, flagging “identity issues.” I called their fraud team (1-800-935-9935—keep it handy), and they blamed my apartment building’s shared address. I reapplied in January with a utility bill as proof. Denied again. Next, they pointed to my work VPN. Turned it off, tried again in February—still a big fat no. What gives?

Why Chase Plays Hard to Get
Chase isn’t just handing out cards like candy. Their 5/24 rule (no approval if you’ve opened five cards in two years), obsession with fraud prevention, and lofty credit standards (700+ scores only, please) make it a gauntlet. My address and VPN flagged me as risky, and an old (resolved) fraud alert might’ve sealed my fate. They’re picky—and with cards like the Chase Sapphire Reserve in high demand, they can be.

Tips to Win Chase Over

• Address Fix: Live in a multi-unit place? Send a lease or bill to prove it’s you.


• Ditch the VPN: It hides your location and spooks them—apply without it.


• Credit Check: Scores below 700? Boost it. Too many new cards? Wait it out.


• Call Them: Denied? Hit the reconsideration line (1-888-270-2127) with your docs ready.


• Start Simple: Try an easier card like Chase Slate before aiming high.

My Plan B
I’m tempted to ditch Chase for Amex, but I’ll give it one more shot—maybe in person at a branch. Want that card? Keep your credit tight, follow their rules, and don’t give up.