Do I have a shot for obtaining CSP ?

[TRC_WA]

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@EndlessRoad wrote:

The big hurdle is that BK though, no matter how good I've been doing after BK Chase just simply wont have it, 5 recons proved that one to me. 

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That's exactly why I am not bothering with lenders like Chase and Discover until my 13 falls off in 22 months...  thanks for reaffirming what I've heard many times already!  LOL

[mongstradamus]

What is your experian fico ? I would try and get north of 700 and if you don't have anything horribly bad on your credit reports you should be in good shape to app. I was one of the people who didn't have any CL above 5k , and I got approved for 9k. Not the most, but thats enough for me. 

[SnowBowl]

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@compassion101 wrote:

Did you burn Chase in the BK?

If not, you have a sho tbut if I were to bet on it I'd think you won't get it. So it comes down to how much you value the inquiry. I think most people overvalue them a little.

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I love this site, thanks for all the replies.. and on that question.. I am not 100% sure ?? had a original providian account that was IIB before it was sold to WaMu ? so the answer would be yes ? since Chase bought WaMu out  ?  I think I am gonna go with Arrival + 1st since Barclays are sensitive to INQ .. I think I have 1 INQ on TU about 20 months ago .. so if I am gonna go with CSP it will be 2 INQ's total correct? 1 for applying online and another one thru one of agents in recon department, correct?

[SnowBowl]

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@mongstradamus wrote:

What is your experian fico ? I would try and get north of 700 and if you don't have anything horribly bad on your credit reports you should be in good shape to app. I was one of the people who didn't have any CL above 5k , and I got approved for 9k. Not the most, but thats enough for me. 

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728 dated 5/6 on US Bank letter.

[j_casteel]

Did you have any Chase preapprovals on their site? Check and go from there...if you feel confident then just app.

[xsvspd]

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@pip3man wrote:

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I do not agree with u on this cos all these talks about Chase wanting to see a $5k+ line before a CSP approval is mere myths and not proven since there are several members on here who never had a similar or high CL before getting approved for the CSP. Hell this other post I read yesterday where the OP had only $1500 or $3k thereabout before getting approved for the CSP! I personally think the OP here has a shot with at least the Barclay Arrival Plus and if anything the only issue I see him/her having is the BK currently reporting. In that case (now referring to the OP) the only way for u to know is apply and if denied recon with both creditors. Goodluck!

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@I just got approved last week for a CSP @ $11.6k, and my highest limit was $2k. But, as another member pointed out, Chase "likes" to see card holders with a 5k limit, not "required" to. So, I guess I'm an exception, but it does happen. I wasn't PA'd for the CSP, but I was for the Freedom and Slate. I app'd and got the Freedom 30 minutes before I app'd and got the CSP. My AAoA is 6.75 years, my score when I apped was 713, my util was ~ 1%.

It's absolutely possible for you to get the CSP. 

[Shock]

how are your inqs on TU? I think you have a better chance at Arrival.

[DELSOL2020]

I was approved instantly with a $5,000 limit!!!   first 5K card.  My highest limit before was sitting at $2,000 CitiBank AAdvantage.  My scores are not high currently at EX 648, EQ 647, and TU 637. (scores from myFICO)  and utilization 60%.  I also have one paid charge off and one paid collection 6 years old.  What might have helped is my Slate card which I opened last month $1000 limit and Chase Total Checking with a $1,200 opening deposit.

[ptilda]

Congrats!

[DELSOL2020]

Thanks!