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Hey guys, I'm looking to apply for the CSP because the rewards seem really nice and I travel abroad every summer so the travel benefits would be nice to have.
Here are the important details:
I have these cards:
I also have $4400 in student loans, but they're deferred till 2015 or 2016. I thought it might be a good idea to wait 61 days and attempt that CLI on the Amex card because I heard somewhere Chase doesn't like giving someone their highest limit and the rumored minimum for the CSP is $5000. What do you guys think I should do? Any advice or input is appreciated.
EDIT: Formatted it properly.
EDIT2: Discover Card increased my limit.
yes, you should get at least 5k if approved. they have another card that i heard is also easy to get called united chase explore. i have a freedom and saphire preferred.
I think you would get approved also
You already have a very impressive line-up of cards for a 19 year old college student. A CSP would be a good addition and I think you have a decent chance at being approved. If denied, call at least twice for a recon. Good luck!
Your scores look ok, but I think your income might be a bit low for approval and it will hurt your chances.
For what its worth I got approved for CSP with an income of approx 45k and similar scores but with 30% utilization.
@CreditScholar wrote:Your scores look ok, but I think your income might be a bit low for approval and it will hurt your chances.
What income would be a good starting point?
@09Lexie wrote:Do you know your FICOs? And what is your AAOA ?
I don't know my current FICOs, but last I checked (3 months ago), it was 714. I'd imagine it's slightly higher now. I'll have to get back to this thread with my current FICO.
@Commandolam wrote:
@CreditScholar wrote:Your scores look ok, but I think your income might be a bit low for approval and it will hurt your chances.
What income would be a good starting point?
@09Lexie wrote:Do you know your FICOs? And what is your AAOA ?
I don't know my current FICOs, but last I checked (3 months ago), it was 714. I'd imagine it's slightly higher now. I'll have to get back to this thread with my current FICO.
I think people have been approved with incomes around 40k, but I don't think I've seen any in the low 30s. Perhaps someone knows otherwise?
Also with an income of 32k, you probably won't be able to charge enough to offset the AF. That's something else you might want to take into consideration before applying.