cancel
Showing results for 
Search instead for 
Did you mean: 

Anyone CSP w/less than a year history ?

tag
distantarray
Established Contributor

Re: Anyone CSP w/less than a year history ?


@Dustink wrote:

@distantarray wrote:

@Dustink wrote:

@distantarray wrote:

@Mustangfrank wrote:

@Dustink wrote:

Have you tried to CLI your amex cards yet?


 The 61st day is coming up. 

I plan on applying for the 3x CLi.

 

Just not sure which card to apply  the CLi for the BCE 3k or the Amex costco TE 10k


Get your BCE to 9k

 

it looks nicer =) and 1 account too high can be easier to trigger a fiancial review


He is currently at 1k on the BCE.

 

That is what I said too, but he made another thread for this and it seemed like everyone was saying to raise the high limit card. I didn't agree.

 

 


for some reason I thought it was 3k but nice catch, personally I would raise BCE because if I was manually reviewing a 1k limit next to a 10k limit would raise an eyebrow kinda makes me wonder if he did something to piss off that one card, many things can trigger decreases and if I was personally reviewing it I would question it. I like consistancies on my accounts. Now I have good cards I'll cancel my secured cards and take my money back. With Chase trifecta, BCP, and Navy Federal I'm more than happy. I'll wait a bit before I apply for US Cash + that's the only other card I'm looking for since it has BILLPAY as a 5% category since my family owns 2 businesses and we can all use it to pay "bills"


I am so close to Cash+. I have a $4,000 limit on a US Bank card and they want a $5k limit on it before I can PC. I also have the flexperks sig. So it will be nice to have both.

 

I have the freedom with a $5k limit. Is adding the CSP worth the AF? I opened up a checking account.

__________________

 

Yeah, I also like to keep my limits similar.


considering you can move your freedom points to sapphire account to get 20% more bonus on travel I would say so. Besides the 40k bonus is quite nice and remember 20% on that is nice too so that's $500 used for travel. you could always PC it later to a no annual fee one if you wanted. Besides I think metal is sexy =) and gotta admit girls will too Smiley Wink


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 21 of 34
Mustangfrank
Regular Contributor

Re: Anyone CSP w/less than a year history ?

Thanks everyone,

 

Ten (10) months agoI had zero credit and thanks to this community in a very short time I have built up my credit scores 

and managed to get approval for the three Amex cards.

 

I need to get some other cards as I do not want to just rely on Amex.

I thought Chase would be a good fit.

 

What other Cash back cards should I consider ?

 

I PIF and plan to run about 3K through my cards a month.

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 22 of 34
Dustink
Valued Contributor

Re: Anyone CSP w/less than a year history ?



considering you can move your freedom points to sapphire account to get 20% more bonus on travel I would say so. Besides the 40k bonus is quite nice and remember 20% on that is nice too so that's $500 used for travel. you could always PC it later to a no annual fee one if you wanted. Besides I think metal is sexy =) and gotta admit girls will too Smiley Wink


I think I might get declined and I already have enough minimum spends to meet. I will app for it in 6 months. Getting my 6 months app list together already haha.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 23 of 34
Dustink
Valued Contributor

Re: Anyone CSP w/less than a year history ?


@Mustangfrank wrote:

Thanks everyone,

 

Ten (10) months agoI had zero credit and thanks to this community in a very short time I have built up my credit scores 

and managed to get approval for the three Amex cards.

 

I need to get some other cards as I do not want to just rely on Amex.

I thought Chase would be a good fit.

 

What other Cash back cards should I consider ?

 

I PIF and plan to run about 3K through my cards a month.

 

 


I think I mentioned to you in the past to get the Cash+ card.

 

You can just keep asking us. You need to actually do some apping. The suspense is killing me. I want to hear results...lol

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 24 of 34
Dustink
Valued Contributor

Re: Anyone CSP w/less than a year history ?


@Mustangfrank wrote:

Thanks everyone,

 

Ten (10) months agoI had zero credit and thanks to this community in a very short time I have built up my credit scores 

and managed to get approval for the three Amex cards.

 

I need to get some other cards as I do not want to just rely on Amex.

I thought Chase would be a good fit.

 

What other Cash back cards should I consider ?

 

I PIF and plan to run about 3K through my cards a month.

 

 


Do you travel much? A card that offers travel benefits may be good. What are your preferred airlines?

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 25 of 34
Mustangfrank
Regular Contributor

Re: Anyone CSP w/less than a year history ?

How many INQ's are you up to in the last 6 months, 1 year?

 

I have four (4) INQ"S  with two (2) dating back ten months.

 

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 26 of 34
Mustangfrank
Regular Contributor

Re: Anyone CSP w/less than a year history ?


@Dustink wrote:

@Mustangfrank wrote:

Thanks everyone,

 

Ten (10) months agoI had zero credit and thanks to this community in a very short time I have built up my credit scores 

and managed to get approval for the three Amex cards.

 

I need to get some other cards as I do not want to just rely on Amex.

I thought Chase would be a good fit.

 

What other Cash back cards should I consider ?

 

I PIF and plan to run about 3K through my cards a month.

 

 


Do you travel much? A card that offers travel benefits may be good. What are your preferred airlines?

 


I usually use Jet Blue.

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 27 of 34
Dustink
Valued Contributor

Re: Anyone CSP w/less than a year history ?


@Mustangfrank wrote:

How many INQ's are you up to in the last 6 months, 1 year?

 

I have four (4) INQ"S  with two (2) dating back ten months.

 

 

 


Alright, that's okay.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 28 of 34
Dustink
Valued Contributor

Re: Anyone CSP w/less than a year history ?


@Mustangfrank wrote:

@Dustink wrote:

@Mustangfrank wrote:

Thanks everyone,

 

Ten (10) months agoI had zero credit and thanks to this community in a very short time I have built up my credit scores 

and managed to get approval for the three Amex cards.

 

I need to get some other cards as I do not want to just rely on Amex.

I thought Chase would be a good fit.

 

What other Cash back cards should I consider ?

 

I PIF and plan to run about 3K through my cards a month.

 

 


Do you travel much? A card that offers travel benefits may be good. What are your preferred airlines?

 


I usually use Jet Blue.


Haha, that would be another AMEX. The card isn't too great. I think we can find you something better. But that can be another thread.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 29 of 34
Mustangfrank
Regular Contributor

Re: Anyone CSP w/less than a year history ?


@Dustink wrote:

@Mustangfrank wrote:

Thanks everyone,

 

Ten (10) months agoI had zero credit and thanks to this community in a very short time I have built up my credit scores 

and managed to get approval for the three Amex cards.

 

I need to get some other cards as I do not want to just rely on Amex.

I thought Chase would be a good fit.

 

What other Cash back cards should I consider ?

 

I PIF and plan to run about 3K through my cards a month.

 

 


I think I mentioned to you in the past to get the Cash+ card.

 

You can just keep asking us. You need to actually do some apping. The suspense is killing me. I want to hear results...lol

 


Well I have 4 HP's and I feel I have maybe  2  left  before I have to retreat.

I don't want make a mistake and waste the Apps without getting feed back from all the knowledgable people on this board.

 

I am very thankful for everyones help.

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 30 of 34
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.