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Frequent Contributor
Posts: 358
Registered: ‎06-25-2012
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CSP approved w/40k bonus points after $2k spent. Yes, $2k.

Chase and Amex soft pulled me on October 5th. I went to a Chase branch after that and found branch-only preapprovals for Slate and United.

Chase and Amex soft pulled me again on October 27th. I went to a branch again today and had a new preapproval for Sapphire or Preferred. I'm working on a Discover promotion right now, so I had been planning to wait until January to app for the CSP, but the PR approval got me excited, and something caught my eye: if you apply in-branch, the 40,000 point sign-up bonus comes after only $2,000 in spending!

Apped and approved instantly for a $5,000 flexible spending line. Having the card expedited by UPS -- hopefully it gets here in time for Black Friday. Had to stop myself from applying for the Slate too out of excitement.
Blogger
Posts: 3,360
Registered: ‎10-19-2012
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Re: CSP approved w/40k bonus points after $2k spent. Yes, $2k.

Congratulations! That's a brilliant strategy!

Frequent Contributor
Posts: 358
Registered: ‎06-25-2012
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Re: CSP approved w/40k bonus points after $2k spent. Yes, $2k.

[ Edited ]

Some more info at time of approval:

 

TU FICO c/o Walmart is 753. Only 6% utilization across the board -- $2,540 balance on Chase Freedom (51% util on that card), $0 elsewhere. Newest account is 1 month old, average age of accounts is 2 years 5 months, oldest account is about 4 and a half years. Debt-to-income including loans is probably about 60%.

 

Frankly I'm getting surprised at these approvals considering I have well over my annual income in revolving credit at this point.

 

EDIT: They pullex Experian, which had 5 hard pulls (2 in the last 12 months) before theirs.

 

EDIT 2: They also pulled Equifax, which had 11 hard pulls (3 in the last 12 months) before theirs. They probably pulled this one first.

Valued Contributor
Posts: 1,914
Registered: ‎11-17-2012
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Re: CSP approved w/40k bonus points after $2k spent. Yes, $2k.


SwampSystems wrote:
Chase and Amex soft pulled me on October 5th. I went to a Chase branch after that and found branch-only preapprovals for Slate and United.

Chase and Amex soft pulled me again on October 27th. I went to a branch again today and had a new preapproval for Sapphire or Preferred. I'm working on a Discover promotion right now, so I had been planning to wait until January to app for the CSP, but the PR approval got me excited, and something caught my eye: if you apply in-branch, the 40,000 point sign-up bonus comes after only $2,000 in spending!

Apped and approved instantly for a $5,000 flexible spending line. Having the card expedited by UPS -- hopefully it gets here in time for Black Friday. Had to stop myself from applying for the Slate too out of excitement.

Wow!! Wish I knew that before I applied for the regular Sapphire X( Not stepping out of the garden for this though, but good to know to check in-store first before apping online!

 

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 756 EQ 735 TU 752 VantageScore 3.0: EX 741 EQ 744 TU 745 Credit Sesame (EX) 748 Credit.com (EX) 792 CapOne (TU) 787 Quizzle (EQ) 749
Frequent Contributor
Posts: 358
Registered: ‎06-25-2012
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Re: CSP approved w/40k bonus points after $2k spent. Yes, $2k.


daybreakgonesXe wrote:

Wow!! Wish I knew that before I applied for the regular Sapphire X( Not stepping out of the garden for this though, but good to know to check in-store first before apping online!

 


Yeah, Chase is really good about offering its deposit customers special perks (take a look at the new Freedom exclusives, for instance). And even the pre-approvals were only available on the deposit side -- I called the credit department first and they couldn't find any evidence of them on their end.

Member
Posts: 9
Registered: ‎02-19-2012
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Re: CSP approved w/40k bonus points after $2k spent. Yes, $2k.

Congrats!  I am waiting on my CSP card to come in the mail also.  Wish I knew about the offer in branch, I have a Chase Branch IN my building!

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: CSP approved w/40k bonus points after $2k spent. Yes, $2k.

Very nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Contributor
Posts: 116
Registered: ‎02-17-2011
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Re: CSP approved w/40k bonus points after $2k spent. Yes, $2k.

I just got mine in the mail today. It's a beautiful card.
NFCU cash rewards 10,000 -Chase Sapphire Preferred 6,900-Chase Slate 6,000- Amazon 10,000 - Walmart 10,000- lowes 12,000 - Kay jewelers 7,500 - Amex Zync NPSL - CarCare One 500
Valued Contributor
Posts: 2,296
Registered: ‎07-23-2012
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Re: CSP approved w/40k bonus points after $2k spent. Yes, $2k.

what product do you use to see soft pulls? 

i thought you had to do it via the ca itself. 

 

i know with my bank if your pre approved via soft there is no hard inq if you accept. 

but hard for just about everything else. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Established Member
Posts: 22
Registered: ‎03-30-2011
0

Re: CSP approved w/40k bonus points after $2k spent. Yes, $2k.

I also bank at chase I have their premier plus checking and savings. They pull me off the line and told me I had a real pre approvel for freedom and slate, I took the freedom. Now I wish I knew that if I would of applied for csp in branch I would of got a better deal,, but I'm looking at the United Club card but dont know if I should wait since I just got csp this month

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