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01-23-2013 05:09 AM
i applied for both cards together and got approved for both....our scores are almost identical so I think you should just get it over with....
btw I'm 20 too! A lot of people still don't believe I got the csp and bcp lol
Hopefully I'll have same luck as you guys!
Im waiting for payments I've made to update to the CRAs (decreased from 12% util to 4% uril) then I'll apply for CSP. Wish me luck! And congrats to you both!
01-23-2013 06:07 AM
Haha you're right 61 days, my bad! Well I've got to hand my success to the members and information on this board (except for the penfed, I have my mother to thank for cosigning my very first credit card)!
My current plan is to use the BCP as my primary card for the next two months to hopefully succeed in the 3x CLI to 6k. Once the 6k CL posts, I'm going to apply for my last dream card, CSP.
Should I wait 6 months until this Amex inquiry ages a bit and my scores can recover or would you guys recommend applying right away once the 6k begins posting to the CRA's?
I would wait until after you receive the $6k CL and it starts reporting for a few months. Because the CSP has a minium of $5k limit and Chase likes to see how you handle that kind of limit beforehand, so the $6k on the BCP will defenitly help you with that. Just be a little patient and you will get it!
01-23-2013 04:17 PM
Congrats! Just received mine in the mail last week. Nice looking card.
01-23-2013 04:50 PM
Congrats, own them groceries ! ha!
Hehe, I know how that feels, people wondering how people so young can get the cards.. I tell them, myFICO. The credit world is really finicky sometimes, but with myFICO here, anything is possible.
01-23-2013 07:25 PM
01-24-2013 12:33 AM
01-24-2013 02:24 AM - edited 01-31-2013 05:31 AM
The Zync card isn't available anymore.
I got the BCE as well this month, for $4k, and the SPG for $5.5k (along with about four others for signup bonuses and rewards, mainly from Chase and one from Citi, the one from Citi for balance transfer/rate chasing) and they pulled Experian for me, 707 on one, 708 on the other. MyFico shows 643[!] EQ - dropped due to about 30% UTL, I think, 717 TU, with an AAoA of maybe 6 months - and I'm 23, but my income is quite a bit higher (double - $72k and $25k in capital gains) and I have half a mil in investments. Still, they took my word for it (for now, at least), although I expect an FR or at least mini-FR in the near future (probably in 61 days [edit: limits were successfully tripled with no FR yet]) to verify such. Cap One still won't raise my $500 limit, and Fifth Third tried to give me a $300 credit card when I called to close my $300 Fifth Third credit card. Now, that is one horrid bank.
01-24-2013 07:50 AM
Its too bad about the Zync, I was hoping to use it to increase my AAoA..
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