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Just received a pre approval for a Chase Freedom CC, it seems staying in the garden is paying off! I wish I could receive a preapproval for a CSP, but I do not have any cards with over 5k CL
Maybe you can app for CSP recon if needed. If they still decline, maybe they could use the same credit pull to give you the freedom.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
If you app for the CSP you won't be able to use the same pull for the Freedom, I already tried that on a few different recon attempts.
Also there have been quite a few people lately who have got approved for the CSP without previous 5k limits, myself included.
@creditnocash wrote:
Hopes and wishes! Lol maybe through eo
Lol yep...I was for sure talking EO.
Maybe you can get the freedom and hold onto it for a month or two, then PC to the csp....
@Swapmeet wrote:Maybe you can get the freedom and hold onto it for a month or two, then PC to the csp....
Wouldn't that result in a change of terms requiring them to wait until the 1 year mark?
CSP $5,000 limit is preferred but not required. I didn't have a $5,000 limit I only had a $1,000 limit when I was approved. but then I did have an authorized user $5,000 CSP on my profile lol. (Deleted by Mod - tinuviel) I have cards around 20k limits.
@Dustink wrote:
@Swapmeet wrote:Maybe you can get the freedom and hold onto it for a month or two, then PC to the csp....
Wouldn't that result in a change of terms requiring them to wait until the 1 year mark?
I am not familiar with Chase's rules. I was just thinking that he might be able to PC.... Something to think about/ask a CSR about.
@Swapmeet wrote:
@Dustink wrote:
@Swapmeet wrote:Maybe you can get the freedom and hold onto it for a month or two, then PC to the csp....
Wouldn't that result in a change of terms requiring them to wait until the 1 year mark?
I am not familiar with Chase's rules. I was just thinking that he might be able to PC.... Something to think about/ask a CSR about.
Card act states that you can NOT PC a card within 1 year, you can only change a annual fee to a non-annual fee version within that time.