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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.
Why do you want a CSP anyways?
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.
@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.
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.
@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!
@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.