Credit Cards

[ssmith891]

I applied for the CSP a little under a month ago and got instantly approved with a $5000 CL. I recently also opened a Chase checking account and now want to apply for the Freedom to take advantage of the 10 & 10 program and complete the Trifecta! Do you guys think I'll be able to get approved so soon? I don't have the ability to shuffle credit around with Chase since the minimum CL for the CSP is $5000 and its my first card with them. My score was a 750 when AMEX sent it to me with my BCE (with a $6200 CL) which was around January I think, and that was the last card I applied for. I also have a Zync with NPSL, a world points Visa through my previous bank with a $1000 CL (first card don't really want to close it), a Chevron gas card with a $300 CL, and a NTB card with a $700 CL. I just turned 21 a few months ago and have been building credit since I just turned 18 and have paid every single card off on time and in full. What do you guys think I should do? 

[annielorie]

Chase does not like multiple accounts in short time Id wait 6 months then apply.  

[DesertLife]

I received my CSP in July and just app'd and was approved on recon line for Chase Ink Bold yesterday. Nearly 4 months seemed to be ok in my situation. Your approx. 3 months might be ok too, but I think people suggesting you wait is a conservative (& likely experienced and informed) answer to help you protect your credit from inquiries that don't result in being issued a card. I just thought I would share my recent experience. I do not have Chase checking or other banking accounts with them.

[distantarray]

i applied for both online, and had to call in for the freedom with 2 prior inquiries within a few days from navy and dcu. if your scores can sustain it should be fine. I was at 754before my first app.

[koalablue]

Go ahead and apply for the Freedom.  If you get a denial then call and recon.  I think you have a good chance of getting it.  Might be a low CL at first, but that's ok.

[Dustink]

I heard a rumor that the 10/10 is going away, so you need to app now.

Good luck

[searchingfor67]

I was approved for my freedom in Sep 11, and my CSP in April 12. I don't know if I could have been approved sooner or not, as I didn't apply prior to having the card 7 mos...it was an instant approval. YMMV though...if you can spare the inquiry, then go for it. Chase is very good about recons, so you could always negotiate if you are declined....

[Cadillac-XTS]

Good luck

[ssmith891]

Do I have to apply in a branch for the 10/10? I've heard that its a separate type of application.

[toful]

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ssmith891 wrote:
Do I have to apply in a branch for the 10/10? I've heard that its a separate type of application.

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I applied for my Freedom first, then when I found out about the 10/10 I got a checking account. I then sent a message to customer support and they said it would be upgraded to 10/10 within 1 or 2 billing cycles. That was all in September. I message them again a few days ago to confirm it's now 10/10, and they said it was.

So it looks like you can handle it all online