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Frequent Contributor
Posts: 374
Registered: ‎04-15-2013
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Might leave the garden this weekend!!!?

[ Edited ]

Eh so this weekend I think I will plan to step out the garden and app for the CSP, as I think I should have a better shot at it now since the first denial. I have progess some of my existing cards to have a CL past 5k+ ( which was the only reason for denial when I had spoke to the back door CSR as "He" said everything was grea: Score, and overall credit profile). What do you guys think? should i jump the fence? 

 

P.S. yes i have some new accounts that i recently gotten but I think my chances shuld be better now since I let them aged forabit already, and my scores should be alot higher now, the last time i pulled my fico score it was still at 700+. So over the weekend my CR will be updated to reflect 0 balances and utilization of  only 1%. Also I know that Chase will pull EX since I am in NYC and on my Ex it has 6 inq ( 2 are about 1.9 years old so it doesn't really count i guess, so I only have 4 inq.)


BCE- 34000 -BOA 123 14400 -Freedom- 33000- Citi Forward- 22000 -Citi DC- 29000-CSP 38.5k
Garden mode 3/25/14



Frequent Contributor
Posts: 396
Registered: ‎05-27-2013
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Re: Might leave the garden this weekend!!!?

The only thing I would worry about is the new accounts issue but outside of that...you seem like you have a good shot at approval. Keep us updated when you decided to app!
Valued Member
Posts: 77
Registered: ‎06-05-2013
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Re: Might leave the garden this weekend!!!?

SMELLS LIKE AN INSTANT APPROVAL!!!! :smileyvery-happy Smiley Very Happy

 

AMEX BCE - $27,000 ~ Chase Sapphire Preferred VISA SIGNATURE- $24,000~ AMEX Platinum -$NPSL ~ Citi Diamond Preferred $10,000
USAA MASTERCARD - $10,000 Commerce Bank Visa $8,000~
USAA Student VISA - $1,000 ~ Chase Freedom - $500
Frequent Contributor
Posts: 374
Registered: ‎04-15-2013
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Re: Might leave the garden this weekend!!!?

I hope so fingers crossed: when i was deny previously the Recon Senior analyst I think, prasied how everything was great( Ex: never late ever!, no baddies etc etc), but they had to deny me because i didn't have a CL past 5k they can match to. The guy even told me to reapp again once i have a TL of 5k+  


BCE- 34000 -BOA 123 14400 -Freedom- 33000- Citi Forward- 22000 -Citi DC- 29000-CSP 38.5k
Garden mode 3/25/14



Community Leader
Senior Contributor
Posts: 27,327
Registered: ‎02-07-2013
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Re: Might leave the garden this weekend!!!?


JaeJae12 wrote:

I hope so fingers crossed: when i was deny previously the Recon Senior analyst I think, prasied how everything was great( Ex: never late ever!, no baddies etc etc), but they had to deny me because i didn't have a CL past 5k they can match to. The guy even told me to reapp again once i have a TL of 5k+  


How long ago was the decline and how long have you had the 5k limits?

+ Chase ink =




Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: Might leave the garden this weekend!!!?

I say go for it!

Now that I'm back in the garden, I'm living vicariously through everyone else's approvals! LOL!

Seriously though, it sounds like you have achieved what was needed to get approved as per the rep you previously spoke with.

Crossing my fingers for you! Keep us updated.

 



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Might leave the garden this weekend!!!?

It would depend on how long you've had the $5k TL. If it isn't significantly aged, I wouldn't app but if its 6 ms, then go for it.

Good luck!
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
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Re: Might leave the garden this weekend!!!?

Gl! Smiley Wink


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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