Do I need a retail store credit card?

[Anonymous]

Well, I least you got in...i tried to get that and they said no...recon was not a success.  The guy said they want me to build history with my CSP first.

[Scupra]

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@Anonymous wrote:

Well, I least you got in...i tried to get that and they said no...recon was not a success.  The guy said they want me to build history with my CSP first.

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haha, I think I would rather start with a $5k CSP! I had a fairly high balance on one of my cards from getting married and I think it spooked them. Like you said though, at least I got in

[Anonymous]

Plus, the CSP is way nicer and better feel.  Already got my first compliement at La Jolla restaurant.

[TRC_WA]

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@Anonymous wrote:

Plus, the CSP is way nicer and better feel.  Already got my first compliement at La Jolla restaurant.

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I'm one of those people that doesn't care what a credit card looks like... they all spend the same.

I've gotten tons of compliments on my car... but never once have had a grocery store clerk tell me she liked the look of my Sallie Mae card.

[Scupra]

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@TRC_WA wrote:

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@Anonymous wrote:

Plus, the CSP is way nicer and better feel.  Already got my first compliement at La Jolla restaurant.

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I'm one of those people that doesn't care what a credit card looks like... they all spend the same.

I've gotten tons of compliments on my car... but never once have had a grocery store clerk tell me she liked the look of my Sallie Mae card.

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hahahahaha! I just want the CSP to transfer rewards from Freedom

[TRC_WA]

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@Scupra wrote:

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@TRC_WA wrote:

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@Anonymous wrote:

Plus, the CSP is way nicer and better feel.  Already got my first compliement at La Jolla restaurant.

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I'm one of those people that doesn't care what a credit card looks like... they all spend the same.

I've gotten tons of compliments on my car... but never once have had a grocery store clerk tell me she liked the look of my Sallie Mae card.

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hahahahaha! I just want the CSP to transfer rewards from Freedom

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It will be a while before I get to find that out...  Chase's branded cards (Freedom, CSP)  are now auto denial if you have more than 5 new accounts in 2 years.

I have a few I opened in 2013... 4 in 2014... and 2 so far in 2015.

Not a huge deal either way... with every complaint thread I read here about Chase and their policies...  lack of CLI's... etc... etc... I'm not all that excited about applying with them. 

Don't need a $500 Freedom.   I would have taken it 6 months ago when I requested exactly that after a application denial... but the rep cited my 6 year old BK 13 and denied the $500 Freedom request too.

Really.

[Anonymous]

Wow, i guess i got a nice rep then

[TRC_WA]

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@Anonymous wrote:

Wow, i guess i got a nice rep then

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Sounds like it... not that I'm jealous or anything because I'm far from it.  I have a solid profile given my upper 600's scores and when my Ch 13 falls off in a few months I'll be well into the 700's... opening the door for even more prime lenders not named Chase.

Not losing sleep over Chase and their unfriendliness at all.  

Their 5 account policy is new... so keep that in mind before your next app spree.