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Valued Contributor
Posts: 1,128
Registered: ‎10-15-2011
0

Re: Advice!!!


kwinks wrote:

Nope no negatives or anything bad on history...

 

congrats on the two cards. I'm so afraid of rejection lol but I'll probably apply for both tomorrow. I'm thinking bofa cli then Amex then csp....

 

fingers crossed


Good Luck!  Remember on BofA, supposedly there is a hard pull for a CLI now, so maybe you want to make that the last attempt.  If you get denied for the new cards it doesn't hurt to recon them.  I just reconned Chase and Discover on the same day and got them both.  They did have small limits, but for me and my score I am just happy to have these cards and will prove myself to them as I go!  I just realized the only card I could want in the near future is a PNC card for overdraft protection, but not that important either.



Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!
Valued Contributor
Posts: 1,460
Registered: ‎08-30-2011
0

Re: Advice!!!

[ Edited ]

Revelate wrote:

Thoms point about the CSP is generally commonly held, though admittedly it's a YMMV with regards to CSP; this is especially true if you have a relationship with Chase already.

 

I'd ask two questions, first, if you don't mind sharing, what is your income?  Chase appears to have something of a sliding scale for CSP approvals anecdotally, and secondly how long have your other cards been open for?  

 

I don't think you'll have a problem obtaining the Amex, and neglecting the CSP for the moment, I'd go Amex -> Chase CLI -> BOFA CLI personally.  

 

CSP, not sure as approvals there have been somewhat all over the map but Amex certainly appears to absolutely be easier to obtain currently; however, I think it'd be Amex -> CSP -> BOFA CLI.  I'd recommend throwing out the Freedom CLI for the time being if you are trying for the CSP.  I'd go this route as personally I'd get the likely approval done and out of the way first, let the CSP fall where it may, and expect the BOFA CLI to land on TU anyway which unless you live in the Midwest, is very unlikely to be hit by either Amex or Chase for the majority of people.

 

Hopefully others with more personal experience in CSP underwriting will chime in, and perhaps also with Amex/Chase combined apps.  I was close to instantly approved for a BCP, but my Freedom app is still pending :smileyhappy:.

 



+1 what he said !   Great advice !

 

Also, the BofA will most likely be a HP.  When I did my BofA CLI, it was a HP to TU.  Fortunately, I had only 2 INQ on TU and they are about to fall off. 

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 822 TU = 830 - 01/2015
Contributor
Posts: 78
Registered: ‎07-15-2012
0

Re: Advice!!!

Instant Decision Approved

 

Congratulations! You've been approved for the CHASE SAPPHIRE credit card.

 

You will receive your new CHASE SAPPHIRE credit card along with your Cardmember Agreement within 7 to 10 business days.

If your application included balance transfer requests, those requests are still under review and you will hear back from us about them within the next 10 business days.

 
 

You can help us serve you even better by answering two questions on our chase survey

 

Thank you for applying!

 

 

 

ummm heck yes!

 

got instant approval for both American Express bcp and Csp. I'm in heaven right now. :smileyhappy: and I'm on the phone with bofa for cli. Fingers crossed!

Chase Freedom 3000
Chase Sapphire Preferred 5000
American Express Blue Cash Preferred 6300
Bank of America Travel Rewards 5000
Bank of America Cash Rewards 3000
Discover IT 4000
Best Buy 4000
TU 733 EQ 743 EX 722
Regular Contributor
Posts: 114
Registered: ‎07-12-2011
0

Re: Advice!!!

Congrats on the card approvals. How did the cli go for boa?
NFCU Flagship Sig (24.5k); NFCU CashRewards (24.5k); NFCU NavCheck (15k); Chase Sapphire Preferred (15k) ;Chase Marriott Rewards (14k);US Bank Flex Perks (9k); Barclays Rewards (8k); Chase Freedom (14k); BOA Travel Rewards Sig (20k); BOA Privileges with Cash Rewards Sig (9k); Discover IT (6.5k); Walmart Discover (3k); Wells Fargo Platinum (9.5k); Wells Fargo LOC (10k); Bloomingdales Amex (5k); Macy's Amex (5k); Paypal Extras Mastercard (6k); Bananna Republic Visa (5.5k); Lowes (6k); Sams Club Discover (5k)....In the garden since 8/15/13



Valued Contributor
Posts: 1,265
Registered: ‎09-14-2012
0

Re: Advice!!!


kwinks wrote:

Instant Decision Approved

 

Congratulations! You've been approved for the CHASE SAPPHIRE credit card.

 

You will receive your new CHASE SAPPHIRE credit card along with your Cardmember Agreement within 7 to 10 business days.

If your application included balance transfer requests, those requests are still under review and you will hear back from us about them within the next 10 business days.

 
 

You can help us serve you even better by answering two questions on our chase survey

 

Thank you for applying!

 

 

 

ummm heck yes!

 

got instant approval for both American Express bcp and Csp. I'm in heaven right now. :smileyhappy: and I'm on the phone with bofa for cli. Fingers crossed!


Did you get Sapphire or Sapphire Preferred? 

Never take credit personally

Amex BCP $24,900; Chase Sapphire Preferred $24,200; Chase Marriott $20,000; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Capital One Venture $15,000; Amex SPG Biz $3,000; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $8,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $15,000; US Bank PLOC Overdraft $1,500; US Bank Perks+ Visa Signature $8,600; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

Contributor
Posts: 78
Registered: ‎07-15-2012
0

Re: Advice!!!

I got the sapphire preferred. I noticed on the approval that it only said sapphire, so I called to check and get my cl and they said that it was the sapphire preferred. 

 

I got my Bank of America cli! So happy. I was worried because I asked for 6 times more, but they gave it to me without having to really fight for it. Yay!

 

 

Chase Freedom 3000
Chase Sapphire Preferred 5000
American Express Blue Cash Preferred 6300
Bank of America Travel Rewards 5000
Bank of America Cash Rewards 3000
Discover IT 4000
Best Buy 4000
TU 733 EQ 743 EX 722
Established Member
Posts: 37
Registered: ‎01-16-2013
0

Re: Advice!!!

Congrats ..i'm very happy for you




Staying in the garden.. at least till Dec 2013 ?
EQ/myfico/689,
TU/CK 687,Walmart 712
EX/CS 739
Contributor
Posts: 78
Registered: ‎07-15-2012
0

Re: Advice!!!

Thanks soo much! I am super happy, now I just need to figure out how to get the cards expedited. :smileyvery-happy:

Chase Freedom 3000
Chase Sapphire Preferred 5000
American Express Blue Cash Preferred 6300
Bank of America Travel Rewards 5000
Bank of America Cash Rewards 3000
Discover IT 4000
Best Buy 4000
TU 733 EQ 743 EX 722
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