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Denied...I think (CSP)

New Contributor

Denied...I think (CSP)

Got the 7-10 day message. I got approved for the Delta Skymiles AMEX the other day (10K CL) and Discover It card (not sure what CL is?).

Done applying for a few months, I think. I'll do the CLI request on the AMEX after the 61 days is up as long as my score doesn't take a huge hit from the 3 HP's and two new accounts...

 

EX 758 | EQ 721 | TU 768
Goal: 760+ across the board by May 2015
Gold Delta SkyMiles AMEX $32.8K | Citi Thank You Preferred $7K | Discover It $8.2K | Chase $3K + a few store cards
Message 1 of 28
27 REPLIES
Moderator Emerita

Re: Denied...I think (CSP)

Call -they may just need to verify your information.
Message 2 of 28
Valued Contributor

Re: Denied...I think (CSP)

Call recon and be prepared to make your case.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Message 3 of 28
New Contributor

Re: Denied...I think (CSP)

It could be that I already have a Chase card...problem is, I have had it for 5 years and carried a high balance until recently. I'm not sure which Chase card I have already, it's been so long. I don't even have the physical card anymore (destroyed). I just requested a new card.

EX 758 | EQ 721 | TU 768
Goal: 760+ across the board by May 2015
Gold Delta SkyMiles AMEX $32.8K | Citi Thank You Preferred $7K | Discover It $8.2K | Chase $3K + a few store cards
Message 4 of 28
Super Contributor

Re: Denied...I think (CSP)

You call yet?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 5 of 28
Frequent Contributor

Re: Denied...I think (CSP)

Bump??

Message 6 of 28
New Contributor

Re: Denied...I think (CSP)

I recently drapped for the CSP on Friday evening and recieved a 30 day message something along the lines of "they will let me know".  So i called the backdoor number that i found on here (1-888-245-0625) wanting to see if they needed additional informaiton and they recivewed my application and said i was approved for 12k, my highest limit yet and that is even with a South Rapid Rewards Visa SIgnature Chase card that i recieved last month. Honestly i am dreading the hit to my AAOA because of 3 new cards in the last month and a half but the CSP was the last goal card that i wanted and now i have no other card needs and am done.  Keep at it you took the inquiry hit you might as well fight for it.

Current Scores EQ (697) Tu (740) EX (705) Amex pull
Current Cards- Amex PRG(NPSL), Amex Zync (NPSL), Amex Hilton Honors Surpass ($3000), Chase Sapphire Preferred ($12,000), Citi Simplicity ($10,900), Southwest Visa Signature ($10,500), Discover It ($4250), FNBO Amex ($4,000), First National Credit Card ($2000), Capital One Platinum ($2500 and $1750), Lowes ($6000) , Walmart Discover ($6000).
Message 7 of 28
Valued Contributor

Re: Denied...I think (CSP)

Copper...congrats! Nice starting cl!


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 8 of 28
New Contributor

Re: Denied...I think (CSP)

Seriously i was floored because they gavce me a $10k limit on the SW card a few weeks earlier.

Current Scores EQ (697) Tu (740) EX (705) Amex pull
Current Cards- Amex PRG(NPSL), Amex Zync (NPSL), Amex Hilton Honors Surpass ($3000), Chase Sapphire Preferred ($12,000), Citi Simplicity ($10,900), Southwest Visa Signature ($10,500), Discover It ($4250), FNBO Amex ($4,000), First National Credit Card ($2000), Capital One Platinum ($2500 and $1750), Lowes ($6000) , Walmart Discover ($6000).
Message 9 of 28
New Contributor

Re: Denied...I think (CSP)

Thanks, copperHD and congrats! I will call first thing in the morning....hope it's not too late. Applied around 3:30 pm today.
EX 758 | EQ 721 | TU 768
Goal: 760+ across the board by May 2015
Gold Delta SkyMiles AMEX $32.8K | Citi Thank You Preferred $7K | Discover It $8.2K | Chase $3K + a few store cards
Message 10 of 28