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Contributor
Posts: 82
Registered: ‎03-15-2012
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Called Chase about CSP....Glad I Did!

So, I thought I'd share my convo with Chase credit rep with everyone. I was curious about a few known but unofficial prerequisites. I'll just list'em out below.

 

 

1. Credit profile with CC w/ 5k limits. --- Chase rep confirmed that is taken into consideration for approvals.

 

2. Being a Chase customer--- Rep also confirmed this is another aspect which increases approval odds.

 

3. Annual Income--- Rep also confirmed this weighs heavily on approval odds IF baddies present i.e Lates or AAOA is not up to snuff.

 

 

Gotta say I was very surprised with the honesty or perhaps how forthcoming she was regarding these unofficial prerequisite's. I have some 30day late baddies that are over 1 1/2 years old which stops me from app'ing, I meet all the other 'criteria'. Oh and this is my trophy card.

BofA Amex $7500| Discover IT- $10K| Chase Sapphire Preferred $10k | Cap One $2000| Citi Hilton Reserve $10k
Frequent Contributor
Posts: 371
Registered: ‎12-30-2012
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Re: Called Chase about CSP....Glad I Did!

Man, I wonder how they feel about lates from 2007? I want to apply to this card next month. I tried getting an Amex BCE yesterday and was instant denied with my 734 FICO  .


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $18k
EQ-742 EX-702 TU-737
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
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Re: Called Chase about CSP....Glad I Did!


E150GT wrote:

Man, I wonder how they feel about lates from 2007? I want to apply to this card next month. I tried getting an Amex BCE yesterday and was instant denied with my 734 FICO  .


:smileysurprised: How long did you have the Amex Green? 734 should be instant approval!

 

My scores are lower with instant approval, 5 months with Amex Green, 14 INQs.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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Re: Called Chase about CSP....Glad I Did!

I got approved w 696 TU fico for Amex BCE...
Puzzling 0.o
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
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Re: Called Chase about CSP....Glad I Did!

You'll have to remember that AMEX has it's own internal risk score.  Your external CRA score could be high but sometimes that just doesn't cut it for AMEX.  I know, I applied for a BCP last year and was told I have had too many INQs and my that my internal risk score was too low.  I will try for the TrueEarnings once I get my house closed.  By then 6 months would have passed since my last app.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Frequent Contributor
Posts: 371
Registered: ‎12-30-2012
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Re: Called Chase about CSP....Glad I Did!

I got the green in Nov. I think its because amex must have used the last soft pull which was in january and I had high util. I looked up my experian report and it hasnt showed any recent SP's. I really want the CSP and I am waiting my reports to update for that. Im just hoping the lates from 07 arent a problem


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $18k
EQ-742 EX-702 TU-737
Senior Contributor
Posts: 3,471
Registered: ‎11-13-2012
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Re: Called Chase about CSP....Glad I Did!

Good luck with the app! CSP is the last card I would love to get myself :smileyhappy: Gardening for CSP....ha ha 

Move the mouse over the cards for detailed view!
FICO® EQ 788 (as of today) - TU 777 (01/28).. ¦ ..Fako EX 808 (02/03 - CS)
Vantage score 3.0 TU 788 - EQ 806 (CK 02/03) ................................................bronze spade Garden Club Member


Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
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Re: Called Chase about CSP....Glad I Did!


lg8302ch wrote:

Good luck with the app! CSP is the last card I would love to get myself :smileyhappy: Gardening for CSP....ha ha 


Same here... I will app when my freedom hit 1 year or app it in 2014.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Senior Contributor
Posts: 3,471
Registered: ‎11-13-2012
0

Re: Called Chase about CSP....Glad I Did!


armbenderc wrote:

lg8302ch wrote:

Good luck with the app! CSP is the last card I would love to get myself :smileyhappy: Gardening for CSP....ha ha 


Same here... I will app when my freedom hit 1 year or app it in 2014.


Oh..nice to know that I am not alone - lets see if we can resist temptation until 2014 :smileylol:

Move the mouse over the cards for detailed view!
FICO® EQ 788 (as of today) - TU 777 (01/28).. ¦ ..Fako EX 808 (02/03 - CS)
Vantage score 3.0 TU 788 - EQ 806 (CK 02/03) ................................................bronze spade Garden Club Member


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