CSP 5 Card Rule - does AU count?

[psm]

I have 5 new cards in the last 24 months but two I am an AU on, not primary cardholder. I just got a Freedom and want to get a CSP some point soon. I burned Chase in a BK in 2003. I got an Amazon Visa with them in 2013 with a 4k limit, the Freedom I just got in June is a 5K limit. My other new cards have been 15k or higher and I am worried 1) Chase still has the BK as part of their internal scoring and will decline me and the 5 card limit tipping the scale /or 2) Chase will give me a small limit on the CSP and as many can attest your starting limit can be your limit for life with Chase.
Any input on the 5 cards rule and how new AU cards play in it, and if the BK in 2003 will even disappear from Chase's calculus about me. FWIW i have never been late on either the Amazon or Freedom and with the Freedom have been putting through 3K the past two months and PIF. Thanks!

[Anonymous]

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@psm wrote:

I have 5 new cards in the last 24 months but two I am an AU on, not primary cardholder. I just got a Freedom and want to get a CSP some point soon. I burned Chase in a BK in 2003. I got an Amazon Visa with them in 2013 with a 4k limit, the Freedom I just got in June is a 5K limit. My other new cards have been 15k or higher and I am worried 1) Chase still has the BK as part of their internal scoring and will decline me and the 5 card limit tipping the scale /or 2) Chase will give me a small limit on the CSP and as many can attest your starting limit can be your limit for life with Chase.
Any input on the 5 cards rule and how new AU cards play in it, and if the BK in 2003 will even disappear from Chase's calculus about me. FWIW i have never been late on either the Amazon or Freedom and with the Freedom have been putting through 3K the past two months and PIF. Thanks!

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From what I've read, AU accounts count towards the 5. With your other Chase approvals I don't think that the BK is playing that much of a role but that doesn't mean you won't have reached an internal limit with them.  Only way to know for sure is to apply.

[Anonymous]

My wife just got an auto decline for freedom earlier this month. When she called they said she had 6 new accounts in last two years, she said only 4 were her accounts and two were au and she was approved on recon.

[psm]

Thanks for the replies.  I burned them for $6500 in BK in 2003 and I just think that really holds down my limits with Chase. But then again maybe they are just conservative on limits. I can always close my Amazon and transfer limit if they give me something very low. Once i have mapped out how to meet the spend for the 40K I think I will go for it. 

[Anonymous]

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@Anonymous wrote:
My wife just got an auto decline for freedom earlier this month. When she called they said she had 6 new accounts in last two years, she said only 4 were her accounts and two were au and she was approved on recon.

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Oooh, that's interesting...

[Anonymous]

The BK is old and if you already have a "Chase" card with them, then BK wont be an issue.  Like the other post said, if you need to recon, you can say the 2 you have are AU accounts.  The minimum CL for CSP is $5k, i dont think you can get a lower limit than that.

Good luck if you apply!!