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Established Contributor
Jlu
Posts: 569
Registered: ‎06-12-2012

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

Screw it guys.

 

I think I'm gonna do it. 40,000 bonus UR points plus a 7% dividend and the addition of a 2x 'dining' category is too much to pass up. Plus I mean all things being equal, the CSP is a pretty cool looking card being that it is metal and all that jazz. I'm going to miss having a direct line to the JP Morgan executive office on the back of my card though...

Wallet: JP Morgan Select Visa Signature $10k | Chase Sapphire Preferred $7k | Citi ThankYou Premier Visa Signature $5700 | AMEX Premier Rewards Gold Card | Barclaycard Visa $5k | Discover IT $10k | Chase Freedom Visa $3k | Capital One Quicksilver $3k | Bank of America Cash Rewards Visa Signature $8k | Walmart Store $5k | Amazon Store $10k | Chase Total Checking |
Established Contributor
djrez4
Posts: 504
Registered: ‎08-28-2012

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

[ Edited ]

But you gain the direct line to CSP service, which is pretty darn good.  No phone menu - just directly to a live person.  They'll treat you right.  

 

Except Antonio.  He was a flippin' moron.

 

Are you sure they won't let you move $4k from the Select and $1k from the Freedom?  Exposure stays the same that way.

Established Contributor
Koop10010
Posts: 731
Registered: ‎02-15-2012

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

If it were me, I think I would reject the offer than reapply for the CSP after 12 months have past.  

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE


Koop10010 wrote:

If it were me, I think I would reject the offer than reapply for the CSP after 12 months have past.  


I agree with this. Unless you can move 4k from JP morgan and 1k from freedom.

 

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor
Jlu
Posts: 569
Registered: ‎06-12-2012

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

They wouldn't budge on keeping both the JPM Select and CSP. Guys, I have a 650-670 FICO and if it wasn't for me having a Chase checking account with over $10k in direct deposits a month I wouldn't even get this offer.

Wallet: JP Morgan Select Visa Signature $10k | Chase Sapphire Preferred $7k | Citi ThankYou Premier Visa Signature $5700 | AMEX Premier Rewards Gold Card | Barclaycard Visa $5k | Discover IT $10k | Chase Freedom Visa $3k | Capital One Quicksilver $3k | Bank of America Cash Rewards Visa Signature $8k | Walmart Store $5k | Amazon Store $10k | Chase Total Checking |
Established Contributor
YahComb
Posts: 592
Registered: ‎03-10-2012

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

[ Edited ]

so you told them youd be willing to have you limits reduced on other cards to make room for the CSP, and they still said no way?

 

Well it was worth a shot. If you're that hell bent on getting the CSP, then make the swtich. If you dont really need it this instant, i say let some of your inqs age for 6 or so months and give it another go. Could you get down to a point where you're at least under 10 inqs within 6 months?

EQ-730(06/30/14) TU-758(06/19/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 7.5K | Disc It 9K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 2.92yr AAOA: 24.8 mo
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

If you truly cherish your JP Select, then reject the offer. CSP will always have UR sign up bonuses and will probably always be metal. There is no guarantee you will get a JP Select again, so you might as well keep that and worry about the CSP when your score improves which is naturally should. Just my 2 cents.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

So what's the verdict? Are you going for it?

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Regular Contributor
Bay_Area_Joe
Posts: 243
Registered: ‎10-05-2012

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE

Well,

 

Finally I got Executive Office to approve the CSP.  They wanted me to close my Southwest Card and I said no.  I offered to move some of the Marriott Sig Visa limit over for the CSP and got her to say yes.  They did not extend any additional credit at this time as I have about 30k of new credit in the last 7 months and Inquiries on Experian.

 

I froze my Experian file to prevent me or others from pulling Hards....  This will keep me in line for a few months.

 

I opted for the MC Version, mainly because Sams Club does not take Visa.

 

I logged in to my accout today and BAM>>>>>>  the CSP is there.  

 

I am going to the garden for awhile now.

 

Thank you all for your adivce on this board....

$ 197,650 IN TOTAL CREDIT LINES.
MyFICO EQ 777 on 9/3/13 , MyFICO TU 787 on 9/3/13, MyFico EX Score 771 on 8/27/13
Pen Fed Visa 19k, Pen Fed LOC 20k, Citi Hilton Honors 15k, Chase Sapphire Preferred 19.9k, Citi MC Diamond Preferred 12.2k, Chase Marriott PR Sig Visa 12k, Chase Priority 5k, Sams Discover 20k, Amex Hilton Surpass 2k, BofA Hawaii 5k
Discover More 16.25k, Chase Southwest Visa 3.5k, Wells Fargo LOC 10k,
B of A Visa 20k, Wells Plat Visa 6.7k RC Willey 5k Discover IT 4k AMEX TE 2k
Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: Multiple Chase recon attempts (CSP) UPDATED EXECUTIVE OFFICE


Bay_Area_Joe wrote:

Well,

 

Finally I got Executive Office to approve the CSP.  They wanted me to close my Southwest Card and I said no.  I offered to move some of the Marriott Sig Visa limit over for the CSP and got her to say yes.  They did not extend any additional credit at this time as I have about 30k of new credit in the last 7 months and Inquiries on Experian.

 

I froze my Experian file to prevent me or others from pulling Hards....  This will keep me in line for a few months.

 

I opted for the MC Version, mainly because Sams Club does not take Visa.

 

I logged in to my accout today and BAM>>>>>>  the CSP is there.  

 

I am going to the garden for awhile now.

 

Thank you all for your adivce on this board....


Wow! I've never heard of a lender doing this!! So they didn't even extend you any new credit at all?? They just opened a new account and moved some of your credit limit over from another account and called it a new line? WOWOWOW!

 

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015

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