Chase Sapphire preferred

[myjourney]

Lower UTL 

Wait for the HP's to fall off in Sept. and give it a shot 

[Anonymous]

OK thanks. Definitely the drop offs might help but I should have Util a lot lower by January, so perhaps it might be best to wait till then. I just think if I wait I might have aped for another card by then and ruin it at 5/24 but perhaps I should put CSP on the back burner for abit and wait a couple more months to apply for anything.

[driftless]

I think that it is a good idea to wait. Chase has a reputation of being stingy with CLI's so starting out with a good SL is important. FWIW - I was looking at a chart showing CSP SL vs. FICO scores and 750 seems to be the dividing line between SL's above and below 10K.

[Anonymous]

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@driftless wrote:
I think that it is a good idea to wait. Chase has a reputation of being stingy with CLI's so starting out with a good SL is important. FWIW - I was looking at a chart one SL vs. FICO scores and 750 seems to be the dividing line between SL's above and below 10K.

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I have a little work to do but i am positive that by end of year my scores will be that high, the only think holding me back is my Util, nothing else is bad.  You are right I would like to get a higher line.  My only high line is Citi and my Amex used to be the same but when the economy busted they cut my line in half (don't know why, no lates, no nothing and it wasn't maxed out) so it would be noce to try to get a higher line with the CSP.

[Anonymous]

I wouldn't even think about a CSP app until you have 10% or lower util reporting, and keep EX and TU scores north of 710. Really higher than that would be better.

[Anonymous]

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@Anonymous wrote:

I wouldn't even think about a CSP app until you have 10% or lower util reporting, and keep EX and TU scores north of 710. Really higher than that would be better.

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In that case (10%) i have to keep CSP on the back burner for more than a year!! LOL

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I wouldn't even think about a CSP app until you have 10% or lower util reporting, and keep EX and TU scores north of 710. Really higher than that would be better.

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In that case (10%) i have to keep CSP on the back burner for more than a year!! LOL

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Trust me i feel your pain... The only cards really left on my "wish list" are 2 with Chase (normal Freedom and Ink Plus) which I won't be 5/24 eligible until May 2018, and an AMEX PRG.

As the saying goes though, the credit game is not a sprint; it is a marathon.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I wouldn't even think about a CSP app until you have 10% or lower util reporting, and keep EX and TU scores north of 710. Really higher than that would be better.

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In that case (10%) i have to keep CSP on the back burner for more than a year!! LOL

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Trust me i feel your pain... The only cards really left on my "wish list" are 2 with Chase (normal Freedom and Ink Plus) which I won't be 5/24 eligible until May 2018, and an AMEX PRG.

As the saying goes though, the credit game is not a sprint; it is a marathon.

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Does the Ink Plus count 5/24 then? I know ive read it but can't remember. 

Right now I have decided that I want both hilton cards (citi and amex version) and heck, ill take both citi versions but that is my highest limit card so right now i cant but was thinking og going and applying with Amex (i should get that) and while I was doing Amex I figured i'd throw in the delta card to try to get both cards with one pull.

Reason I want hilton: I just got diamond status match so was hoping to utilize that next year on a trip or two. Other than that have really no reason to get the cards and delta i figured why not if Im taking a HP might as wel try for double and can almost get  me a free r/t ticket to Europe depending on what card I app for. (and if I get it)

I think I just want the CSP for the hype, I have determined that I MUST HAVE ONE (although in reality other than transferring to Hyatt I am not sure why lol) so perhaps I should wait this one out a bit longer LOL maybe Ill do an Ironman instead of a marathon.

[Anonymous]

yeah sadly Chase included their business cards and most of their co-branded cards in the 5/24 rejection rule as of last month. 

I got my Ink Plus app in a few days ahead of time, but they retroactively denied me for that reason only because my application had not finished being processed in time.

Sounds like you are going to go pretty crazy on the Hilton HH points!  TBH you'll have an easier time getting both of those than CSP from my experience.

[Anonymous]

OP if you have a banking relationship with Chase, it really helps too - I have my checking and savings with them, and I think this really helped me get the CSP.

In general though, lots of great points made in this thread. Get your utilization down, and I think you'll have a great chance at the CSP.