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DH wants to apply for the CSP and wants to clean up his report before doing so because he is still an AU for 3 of his parents accounts. Here's what his report looks like:
No lates no baddies.
What do his odds of approval look like? I was thinking about removing both the Chase AU accounts because of the high utilities. But his Kay card is brand new and has a high utility . Should he still go for it?
@sashimimon wrote:DH wants to apply for the CSP and wants to clean up his report before doing so because he is still an AU for 3 of his parents accounts. Here's what his report looks like:
- Barclays (opened 10/20/2009) $3691/$15228 (AU)
- Chase (opened 10/18/2000) $6504/$9000 (AU)
- Chase (opened 12/16/2007) $18658/$31000 (AU)
- Chase Amazon Visa (opened 4/8/2012) $281/$1500
- Kay Jewelers (Opened 5/20/2013) $2796.74/$5100
No lates no baddies.
What do his odds of approval look like? I was thinking about removing both the Chase AU accounts because of the high utilities. But his Kay card is brand new and has a high utility . Should he still go for it?
IMO I don't think his chances are good no matter what he does. Chase does not factor au when approving their cards. Honestly looking at the au accounts his parents are not helping his credit score but help his AAOA. He also does not have any accounts of his own with a 5k limit.
Does he have a banking relationship with them?
He should just see if he can get a cli on his amazon to over 5k. Then wait 6 months.
Thanks for the input. I don't know why we didn't think about getting a CLI on his Amazon! Should he ask for an increase to 5k or is that too unrealistic? Does chase usually counter offer? He always PIF if that counts for anything.
*edit: and he's only been banking with them for 4 months