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Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Chances on CSP?

Seen others on here get the CSP with 35k income but I'm assuming their files were not as thin.  I def agree your borderline, would have helped if you had a prior relationship with chase.  Inq's will not be a factor and Amex CC won't be a factor either because Amex always pulls Ex.  I can see them pull more than one CR, , if it is what you want go for it. If you don't get an approval recon.  Your Inq's are low so one more won't hurt.

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Chances on CSP?

You do have the Freedom lol didn't see that,

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Chances on CSP?


migliogiorni wrote:

You do have the Freedom lol didn't see that,


That will help as well. I'm thinking the OP should get approved.




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
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Chances on CSP?

if you have your freedom for a while now you should be approved.

Do you need another card with AF though when you already have the BCP? I'm not trying to be your nanny, but if you won't be travelling much, or can't charge much to the card due to your income, you will be wasting the 1-year free AF chance essentially.

 

But it's a nice card. Overall I think you should be fine.

Worst case scenario you will have to call recon and I think you still should be fine. Like other's said it's most likely going to be borderline approval with 2-3 pulls, but if you really want this card and can justify it, go for it.


Best of luck!

 

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 Member
Posts: 62
Registered: ‎03-05-2013
0

Re: Chances on CSP?

I think OP has a decent chance for approval at 35k income..

 

If AF bothers you downgrade to normal sapphire after 13 months.. Also you get the 40k bonus points...

 

Inq's are low too so wouldn't hurt the score much

Established Contributor
Posts: 552
Registered: ‎09-28-2012
0

Re: Chances on CSP?

Well my main question is has your uodated cl hit your cr's yet for citi? While other are suggesting adding the 15k fo rincome that more or less really is not actually income. 



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


New Member
Posts: 11
Registered: ‎04-19-2013
0

Re: Chances on CSP?

Thanks for all the help! I don't think I'd really find much use from it right now with my low income and being still in school, but i wanted to get it to harvest enough points for a nice vacation, since i've heard abotu their 1:1 mile exchange! However, I think i might just wait a month or two before trying, since i only recently got the amex bcp.

 

thanks again!

Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Chances on CSP?


SchickHydro wrote:

Thanks for all the help! I don't think I'd really find much use from it right now with my low income and being still in school, but i wanted to get it to harvest enough points for a nice vacation, since i've heard abotu their 1:1 mile exchange! However, I think i might just wait a month or two before trying, since i only recently got the amex bcp.

 

thanks again!


+1. I don't think you'll find much use of it either with your current income. Other than the signup bonus, you simply don't earn enough (and therefore can't spend enough) to offset the AF. If you do get approved, I'd downgrade to a no-AF card or cancel after the first year.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
New Member
Posts: 11
Registered: ‎04-19-2013
0

Re: Chances on CSP?

from the information i've provided, do you think it'd be worth the hard pull to increase the limit on my chase freedom (500$) atm, its been about a year. Or is the HP not worth it and I should save it to apply for another card?

Valued Contributor
Posts: 7,075
Registered: ‎10-21-2012
0

Re: Chances on CSP?


CreditScholar wrote:

SchickHydro wrote:

Thanks for all the help! I don't think I'd really find much use from it right now with my low income and being still in school, but i wanted to get it to harvest enough points for a nice vacation, since i've heard abotu their 1:1 mile exchange! However, I think i might just wait a month or two before trying, since i only recently got the amex bcp.

 

thanks again!


+1. I don't think you'll find much use of it either with your current income. Other than the signup bonus, you simply don't earn enough (and therefore can't spend enough) to offset the AF. If you do get approved, I'd downgrade to a no-AF card or cancel after the first year.


+2

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