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Epic Contributor
Posts: 29,448
Registered: ‎10-23-2007
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Re: How to get CSP!? Need helpful advice

This CSP thing is way over thought, like an Amex...  it's not that hard to get.

but I would get Util down in the 20's at least.

Valued Contributor
Posts: 2,489
Registered: ‎01-22-2012
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Re: How to get CSP!? Need helpful advice

Why do you want a CSP anyways?

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor
Posts: 505
Registered: ‎10-08-2011
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Re: How to get CSP!? Need helpful advice

Guys. You don't *need* an existing $5000 line to qualify. Where did this rumor even come from?

 

While there may be cards out there that do have that as a hard requirement, the CSP isn't one of them.

      
Frequent Contributor
Posts: 312
Registered: ‎12-08-2013
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Re: How to get CSP!? Need helpful advice


Stralem wrote:

Guys. You don't *need* an existing $5000 line to qualify. Where did this rumor even come from?

 

While there may be cards out there that do have that as a hard requirement, the CSP isn't one of them.


plus one to this.. i opened my freedom with 3500 limit dec 2013.. highest limit and first card in years ( nearly a decade )  two months later apped and approved for the csp with the starting 5k limit.


outta the garden.. for a house Smiley Very Happybr>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
In the wallet - freedom 6k - Marriot 16.3k - Ak Airlines 25k - Bass pro MC (BofA) 12.5k - Amex SPG 18k - Amex Everday 11.7k - Amex BC 1K - Barclay Rewards 4k Newegg preferred 2.4k - Cabelas 2k - Diners Club Elite 15k -Diners Club Premier 15k - CU1 15K -Blue Nile 15k - Lowes 17k... HD 10k
Frequent Contributor
Posts: 312
Registered: ‎12-08-2013
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Re: How to get CSP!? Need helpful advice

only advice i'd give.. while i'm far from a credit expert i do have a freedom and csp.. get ur util down a bit. as others have said.


outta the garden.. for a house Smiley Very Happybr>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
In the wallet - freedom 6k - Marriot 16.3k - Ak Airlines 25k - Bass pro MC (BofA) 12.5k - Amex SPG 18k - Amex Everday 11.7k - Amex BC 1K - Barclay Rewards 4k Newegg preferred 2.4k - Cabelas 2k - Diners Club Elite 15k -Diners Club Premier 15k - CU1 15K -Blue Nile 15k - Lowes 17k... HD 10k
Regular Contributor
Posts: 147
Registered: ‎01-05-2013
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Re: How to get CSP!? Need helpful advice


ak_7vytr0 wrote:

Stralem wrote:

Guys. You don't *need* an existing $5000 line to qualify. Where did this rumor even come from?

 

While there may be cards out there that do have that as a hard requirement, the CSP isn't one of them.


plus one to this.. i opened my freedom with 3500 limit dec 2013.. highest limit and first card in years ( nearly a decade )  two months later apped and approved for the csp with the starting 5k limit.


+2 I've seen at least two people who don't have pre-existing 5000 lines and get approved for the CSP (in fact, I do believe right after approval of the CSP, they asked for CLI on their Freedom...and was granted an overall CL of....$1800

 

Both did have at least 6 months on another Chase card (Freedom or Slate) and have the CSP show up on the preapproval page

 

Interestingly enough, with a very small sample size of 5 people, those who had another Chase card (regardless of credit history) had at least one pre-approval from Chase; those who did not, had nothing show up for them (of course, that is not to say that Chase won't approve but just nothing showed on the pre-approval page)

 

My recommendation is to try for a Freedom (or Slate), use it and pay on time, and check periodically for a pre-approval from Chase for CSP (+ decrease in UTIL before apping wouldn't hurt too)

 

Good luck!


Last app 5/7/2014

No apps until 3/31/2016!
Regular Contributor
Posts: 219
Registered: ‎01-28-2014
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Re: How to get CSP!? Need helpful advice


CreditScholar wrote:

Why do you want a CSP anyways?


^ this. At 26, why do you need a CSP? Are you looking to travel a lot in up front/upstairs? If not I would look for a good cash back card (fidelity amex, arrival, IT, freedom... Maybe venture).

 

And yes, I consider those cash back cards because that is essentially what they are. 

TU - 850 (BOA TU08 FICO/Barclay TU08), 814 (CK FAKO)
EQ - 869 (CITI FICO) (no longer available for some reason), 848 (ATFCU FICO), 807 (CK FAKO)
EX - 850 (AMEX FICO)
Established Member
Posts: 48
Registered: ‎11-27-2012
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Re: How to get CSP!? Need helpful advice

Why would the boa be the best chance of getting a line increase?
Amex Green Card, U.S. Bank Platinum $2,000, U.S. Bank Line of Credit $1,500, BoFA Visa $500, C1 $500
Established Member
Posts: 48
Registered: ‎11-27-2012
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Re: How to get CSP!? Need helpful advice

I would like a csp because of better travel points.. I pay 95 for amex
Amex Green Card, U.S. Bank Platinum $2,000, U.S. Bank Line of Credit $1,500, BoFA Visa $500, C1 $500
Established Member
Posts: 48
Registered: ‎11-27-2012
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Re: How to get CSP!? Need helpful advice

Should I try to apply for csp first... And if Denied apply for freedom? Or freedom first
Amex Green Card, U.S. Bank Platinum $2,000, U.S. Bank Line of Credit $1,500, BoFA Visa $500, C1 $500

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