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So, I've been looking into getting another CC since I am moving to Chicago for next semester. I've been eyeing the CSP for some time but this would be the first time that it is feasible for me to get. Not sure if I would be approved with it but I do have a little bit of credit history with chase. I'm a 20 yo college student, but I'll be working full time in the winter. Here my profile so far, do you think I'd have any issues going for the CSP?
Income: 40k
AAoA: 1yr 2 mo
Util: 12% (but I just paid my Chase to 0 from 19% so idk if they can see that, does chase still do 0-bal report?) I charge a decent amount but always PIF on all my cards
CK: EX 736, TU 734
Freedom Unlimited - Jan 2017 $2500 SL, auto-CLI to 3.5k in April
BofA Cash Rewards - Jan 2017 $1200 SL
Old Navy Card - June 2016, $400SL, CLI to 6k in Feb
Federal Stafford Loans:
Sep 2015, $5500
Sep 2016, $6500
Sep 2017, $3750
Other than that, just looking to get the CSP because I can make the 50k bonus and I the 2x on dining and travel would be nice with my FU. Just don't know if my loans stand in the way.. they're payment deferred until Jan 2020 because I'm in school. Any advice is great, I've seen a few other college kids get the CSP.
I just got burned by Chase so I may be a little biased but have you looked at the Uber? It seems like a really great contender on the same categories and I always figured CSP was better when you had a feeder card for UR's.
Uber is 4% dining 3% hotel and air 2% for online and 1% all other. NO AF! seems pretty sweet if the CSP falls through. Also consider if you have history with chase prequaling or waiting for them to prequal you with a green check under "your offers". For most they seems pretty solid..
@Anonymous wrote:So, I've been looking into getting another CC since I am moving to Chicago for next semester. I've been eyeing the CSP for some time but this would be the first time that it is feasible for me to get. Not sure if I would be approved with it but I do have a little bit of credit history with chase. I'm a 20 yo college student, but I'll be working full time in the winter. Here my profile so far, do you think I'd have any issues going for the CSP?
Income: 40k
AAoA: 1yr 2 mo
Util: 12% (but I just paid my Chase to 0 from 19% so idk if they can see that, does chase still do 0-bal report?) I charge a decent amount but always PIF on all my cards
CK: EX 736, TU 734
Freedom Unlimited - Jan 2017 $2500 SL, auto-CLI to 3.5k in April
BofA Cash Rewards - Jan 2017 $1200 SL
Old Navy Card - June 2016, $400SL, CLI to 6k in Feb
Federal Stafford Loans:
Sep 2015, $5500
Sep 2016, $6500
Sep 2017, $3750
Other than that, just looking to get the CSP because I can make the 50k bonus and I the 2x on dining and travel would be nice with my FU. Just don't know if my loans stand in the way.. they're payment deferred until Jan 2020 because I'm in school. Any advice is great, I've seen a few other college kids get the CSP.
My guess is that it's too soon for that particular card, but Chase's prequalifications are considered pretty solid, so you can check the site, see if you're prequalified, and if you are, I guess you could go for it. But beware ... Chase often double pulls.
Yeah, they double pulled on my FU card. But definitely worth it so far.
I think your stats clear all the hurdles assuming there are no negatives on your credit report. Have you checked to see if you got any offers for the CSP on your offers page on your online account?
Personally I would go for it. You're young so don't worry about a HP
You'll be approved, go for it.