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Frequent Contributor
JaeJae12
Posts: 341
Registered: ‎04-15-2013
0

CSP

Hi all I apped for the csp last month n was deny, but did get approved for the freedom for 2.8k, should I wait 6 months to apply for it again.. Since I am graduating school this month and will be working full-time instead if part time so my income will be doubled. So 6 months to establish a relationship wih chase on my freedom and higher income , would it boost my chances more?

My scores are all 750+, but it will drop for now due to recent TL, but it should bounce back in 6months.. They reason they deny me was income when I spoke to them on the phone..

What do you guys think?
My highest TL is 3.5k but hopefully my Amex 3x CLI will give me a TL of 6k

BCE- 30000 -BOA 123 7400 -Freedom- 28789- Citi Forward- 19900 -Citi DC- 23800-CSP 22.5k
Garden mode 3/25/14



Super Contributor
enharu
Posts: 6,994
Registered: ‎02-27-2013
0

Re: CSP

Just garden for 6-12 months and you will be fine
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: CSP

IMO I would get a year of history on the freedom then go for it!! 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
NJTurnpike
Posts: 662
Registered: ‎02-20-2013
0

Re: CSP

Go for it now! RECON! RECON! RECON! :smileyvery-happy:


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Moderator
09Lexie
Posts: 25,939
Registered: ‎09-13-2012
0

Re: CSP

I'd say recon but if your cr is over 30 days old it wouldn't be worth the 2nd HP. Wait for your new income and then app. Your c would have more history too.

Good luck.
Frequent Contributor
JaeJae12
Posts: 341
Registered: ‎04-15-2013
0

Re: CSP

Will good usage on my freedom establish a higher chance of approval when I apply again in November? I won't be putting thousands on it cus I don't spend that much, like everyday usage( ex. Coffe, lunch etc) and pif.

BCE- 30000 -BOA 123 7400 -Freedom- 28789- Citi Forward- 19900 -Citi DC- 23800-CSP 22.5k
Garden mode 3/25/14



Super Contributor
enharu
Posts: 6,994
Registered: ‎02-27-2013
0

Re: CSP

The more you use, and the more you pay, the higher your chances will be.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
indiolatino61
Posts: 1,479
Registered: ‎11-10-2012
0

Re: CSP


JaeJae12 wrote:
Hi all I apped for the csp last month n was deny, but did get approved for the freedom for 2.8k, should I wait 6 months to apply for it again.. Since I am graduating school this month and will be working full-time instead if part time so my income will be doubled. So 6 months to establish a relationship wih chase on my freedom and higher income , would it boost my chances more?

My scores are all 750+, but it will drop for now due to recent TL, but it should bounce back in 6months.. They reason they deny me was income when I spoke to them on the phone..

What do you guys think?
My highest TL is 3.5k but hopefully my Amex 3x CLI will give me a TL of 6k

My advice would be to have a year of perfect history with the Freedom, then you should be in good shape. Good luck.

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