Reply
Valued Contributor
navigatethis12
Posts: 1,939
Registered: ‎01-24-2012
0

Re: Shot down for CSP - should I recon for Freedom?

They will not use the same credit report for a different application. No major bank that I know of will do this. Some say credit unions will, but Chase definitely will not.

 

The sign up bonus thing is not a big deal. I signed up for $200 and noticed there was a $300 offer, and one secure message later, an extra 10000 points were added to the account.

 

Having any card with an issuer will usually help you down the road to get another card from them. My sister had a Chase Freedom with 2500 limit for about a year. She applied for the Chase Sapphire Preferred was was approved, without having any similar limits. I reckon her having another Chase card prior to applying may have helped, and her history is about six years.

 

You could possibly try again and you may get someone who will approve it.

 

 

Established Contributor
emptypockets
Posts: 989
Registered: ‎02-03-2009
0

Re: Shot down for CSP - should I recon for Freedom?


navigatethis12 wrote:

They will not use the same credit report for a different application. No major bank that I know of will do this. Some say credit unions will, but Chase definitely will not.

 


 


This is not necessarily true...I was approved for a CSP and Freedom from one pull in June, 2012

 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (10/2014): 813; EX (6/14): 775
Valued Contributor
navigatethis12
Posts: 1,939
Registered: ‎01-24-2012
0

Re: Shot down for CSP - should I recon for Freedom?


emptypockets wrote:


This is not necessarily true...I was approved for a CSP and Freedom from one pull in June, 2012

 


So you must have applied for both at the same time or very close together, yeah? If so, that can happen. However, ringing them and asking them to use the same pull for another card will not work.

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Shot down for CSP - should I recon for Freedom?

Call for a recon

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Shot down for CSP - should I recon for Freedom?

i applied for freedom and csp back to back and only got one inquiry


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
charyot77
Posts: 237
Registered: ‎06-21-2010
0

Re: Shot down for CSP - should I recon for Freedom?

I spoke with the Chase back door line and they absolutely refused.  They said that I would need to have one card with over $5,000...and $4,000 wasn't enough. She also told me that having a total of $5,000 in available credit before didn't count either.  Being told this is frustrating because I've seen other posters here say the CSP was their first $5K limit card!

 

She was nice enough to suggest (before I got the chance to ask) that I consider a lower product that didn't have a $5k minimum (maybe she reads this forum) but she said that I would have to apply again and that they couldn't use the same inquiry.  

 

She said that my file looked great, but she couldn't say whether I would be approved for another account for sure because she could only speak about the CSP application, despite the fact that she could see all of my info right there in front of her. :smileymad:

 

Total waste of an hard pull. I'm not going to waste another inquiry for a Freedom as I already have a rotating category card (CitI Dividend). I just wanted that no forex fee and the ability to convert to miles or cash. 

 

At least I know my "place" in the credit world hierarchy now. :smileytodecent I shouldn't whine though...just 6 months ago I would have killed for any prime card.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}