@distantarray wrote:he was the basic member that he got his account backdating chase underwritters or anyone wouldn't be able to flag anything unless they see obvious like 24 year history on a 18 year old's account. also if he applies online no underwrtters wi even look at it anyways
Actually trumpet has it right on this count: it is extremely easy for anyone in underwriting (or me for that matter) to pick out an Amex backdated account on a credit report.
Also with an online application there's a chance that no underwriter will look at it, but that is absolutely not guarunteed even in the instant approval case (there are audits of approvals and it might get reviewed there, we saw that a few weeks ago here too with some lender or another).
That said though, if it's not an instant approval it's almost a foregone conclusion someone is going to look at the application and credit report data. With the number of accounts that have been flagged for 7-10 day review by Chase in the last few months on this forum alone, I'd be rather surprised if this particular application didn't go through the same scrutiny.
If you're willing to take a Freedom, I'd encourage you to get one. Apart from the sign-up bonus, I don't quite see how a CSP is better than a Freedom if you're not a traveler and big spender.
@Mustangfrank wrote:Is the general concensus that you need two years Minimum on average for CSP approval.
I got in with 14 months of good history with 2 secured cards and a kays credit card total limits at the time was $3,900 personal and AAOA of under 1 year ymmv. I also got approved for the Freedom card few hours later (apped for Freedom online directly after)
Few things I think that helped.
1. I was added as an AU on my dad's Sapphire card but only 3 months old
2. I had a 758 credit score at the time of app
3. I have a checking and savings with Chase with over 50k at the time of application
4. I was an Authorized User on 4 of my parents cards (which I manage) but all with less than 14 months of AAOA
5. Chase likes people with multiple accounts apparently cause my friend's 730 credit score with 3 year AAOA and only a Discover card active (no baddies) got only approved for $500 Freedom card....
@distantarray wrote:
@Mustangfrank wrote:Is the general concensus that you need two years Minimum on average for CSP approval.
I got in with 14 months of good history with 2 secured cards and a kays credit card total limits at the time was $3,900 personal and AAOA of under 1 year ymmv. I also got approved for the Freedom card few hours later (apped for Freedom online directly after)
Few things I think that helped.
1. I was added as an AU on my dad's Sapphire card but only 3 months old
2. I had a 758 credit score at the time of app
3. I have a checking and savings with Chase with over 50k at the time of application
4. I was an Authorized User on 4 of my parents cards (which I manage) but all with less than 14 months of AAOA
5. Chase likes people with multiple accounts apparently cause my friend's 730 credit score with 3 year AAOA and only a Discover card active (no baddies) got only approved for $500 Freedom card....
+1
OP- I think you have a VERY good shot at instant approval. With your scores, as long as they are indeed FICO and your 10 year history with Amex 10K limit, I think you are a shoo in for instant approval. Even if your card goes into manual review, I think you will be approved based on your Amex relationship. I say go for it. I think you will be pleasantly surprised. An analyst reviewing your account would take into account Amex's trust in you with a 10K limit and a NPSL card. Just my .02 
. I think the only thing that might really affect your application could be your income. If this is pretty good (income), then I say NP.
Starting Score: 642
OP- I think you have a VERY good shot at instant approval. With your scores, as long as they are indeed FICO and your 10 year history with Amex 10K limit, I think you are a shoo in for instant approval. Even if your card goes into manual review, I think you will be approved based on your Amex relationship. I say go for it. I think you will be pleasantly surprised. An analyst reviewing your account would take into account Amex's trust in you with a 10K limit and a NPSL card. Just my .02
My income is very good so that should not be an issue.
The Amex cards have only been active for two months with the 61day 3x CLi coming up next week.
(I will apply increase my BCE from 1K to 3K with the CLi button)
The question is whether to use an HP to try and slip in for the holiday sales push.
I have 3 HP's all with Experian.
The alternative is to wait till February when I have a full year of Credit activity reporting which was always PIF.