Chase Trifecta Complete!

[Anonymous]

So after years of building a pretty Fico portfolio, I bit the bullet and applied for the CSP. Now I have the freedom, FU,  and CSP.

Some background, I started this credit game in 2012 when I turned 19. I initially applied for my first set of credit cards when I was 18 but due to no credit history I was turned down by chase, discover, capital one, citibank, and amex. 

When I turned 19 I reapplied for Discover and was approved with a 500 SL and a secured BofA secured card 300 SL. CapitalOne was still a no go. I nourished my discover card until about 2013 when the approvals started rolling in. During my sophomore year in college I needed a cosigner for a car because apparently, my credit file was still pretty young and was stuck with an APR of 12.75% (yikes).

Fast forward a few years later, I was able to build a rather diverse credit profile with the most sought after banks. I was also able to get a newer car with an APR of 3.69. It goes to show that the credit game is a marathon rather than a sprint. Take the time to build your credit profile and protect it by any means.

Looking back, there is nothing I would change. I'm actually making plans to educate my younger brother who will be turning 18 this year the importance of credit and the price you pay if it blows. 

[Anonymous]

congrats on completeing the much-coveted trifecta! and also thank you and well done on sharing your credit build-up!

[cmm89]

Congrats, OP! Enjoy those REWARDS!

My next card is going to be a Merrill + VS and THEN a CSP.

[JoeLuvsHisCredit]

CONGRATS I wish I had someone educate me when I was younfer about credit. But almost everybody in my family don't care about credit.He's lucky to have you as a brother

[Anonymous]

Thank you, everyone, for the kind words! 

It's been a long journey but I am happy I was able to pull through. 

Now I need to stop seeking credit and minimize the number of inquiries so when I apply for a mortgage it'll be a seamless process.

[Anonymous]

Congratulations!!

[jawbrkr]

---

@Anonymous wrote:

So after years of building a pretty Fico portfolio, I bit the bullet and applied for the CSP. Now I have the freedom, FU,  and CSP.

Some background, I started this credit game in 2012 when I turned 19. I initially applied for my first set of credit cards when I was 18 but due to no credit history I was turned down by chase, discover, capital one, citibank, and amex. 

When I turned 19 I reapplied for Discover and was approved with a 500 SL and a secured BofA secured card 300 SL. CapitalOne was still a no go. I nourished my discover card until about 2013 when the approvals started rolling in. During my sophomore year in college I needed a cosigner for a car because apparently, my credit file was still pretty young and was stuck with an APR of 12.75% (yikes).

Fast forward a few years later, I was able to build a rather diverse credit profile with the most sought after banks. I was also able to get a newer car with an APR of 3.69. It goes to show that the credit game is a marathon rather than a sprint. Take the time to build your credit profile and protect it by any means.

Looking back, there is nothing I would change. I'm actually making plans to educate my younger brother who will be turning 18 this year the importance of credit and the price you pay if it blows. 

---

These days, that would be considered a good APR. Congrats on the CSP approval. What was your SL? 

[Anonymous]

Was it an instant approval and was it applied for today?  i was thinking of applying for a Chase card today as well but unsure if there is any reason I shouldnt being that it's a Saturday in case of any issues.  

[Anonymous]

---

@jawbrkr wrote:

---

@Anonymous wrote:

So after years of building a pretty Fico portfolio, I bit the bullet and applied for the CSP. Now I have the freedom, FU,  and CSP.

Some background, I started this credit game in 2012 when I turned 19. I initially applied for my first set of credit cards when I was 18 but due to no credit history I was turned down by chase, discover, capital one, citibank, and amex. 

When I turned 19 I reapplied for Discover and was approved with a 500 SL and a secured BofA secured card 300 SL. CapitalOne was still a no go. I nourished my discover card until about 2013 when the approvals started rolling in. During my sophomore year in college I needed a cosigner for a car because apparently, my credit file was still pretty young and was stuck with an APR of 12.75% (yikes).

Fast forward a few years later, I was able to build a rather diverse credit profile with the most sought after banks. I was also able to get a newer car with an APR of 3.69. It goes to show that the credit game is a marathon rather than a sprint. Take the time to build your credit profile and protect it by any means.

Looking back, there is nothing I would change. I'm actually making plans to educate my younger brother who will be turning 18 this year the importance of credit and the price you pay if it blows. 

---

These days, that would be considered a good APR. Congrats on the CSP approval. What was your SL? 

---

For a car loan? I feel like that's a terrible car loan APR. I was essentially overpaying the car I knew I was overpaying the minute I signed those papers.

When I applied I was given the 30 day message and was approved today (3 days later) with a 7000 SL. I plan on moving everything but 500 from my other cards onto this one. 

[jawbrkr]

---

@Anonymous wrote:

---

@jawbrkr wrote:

...During my sophomore year in college I needed a cosigner for a car because apparently, my credit file was still pretty young and was stuck with an APR of 12.75% (yikes).

These days, that would be considered a good APR. Congrats on the CSP approval. What was your SL? 

---

For a car loan? I feel like that's a terrible car loan APR. I essentially overpaying the car I knew I was overpaying the minute I signed those papers.

When I applied I was given the 30 day message and was approved today (3 days later) with a 7000 SL. I plan on moving everything but 500 from my other cards onto this one. 

---

Oh my fault. I thought that APR was for the credit cards. Yes, that is absolutely terrible for a car.