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Frequent Contributor
SamsungHDTV
Posts: 453
Registered: ‎10-25-2011

What was the worst credit you had approved for CSP?

I'm looking for average credit people who had maybe a lot of INQs, a few derogatory marks, short credit history, and/or low limits on other CCs. Income?

 

I'm looking to get the CSP at the end of the year. No applications until then. Score about 660 FICO. Lots of derogatory marks are set to fall off this year, a couple will remain. The itch is getting stronger.

I'm a personal banker and do a lot of auto loans serving the Houston area.
I suggest first time car buyers to read the sticky guide in the auto loan section.
I try to check these forums often, but if I missed your post, please feel free to message me with a link to it.
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: What was the worst credit you had approved for CSP?

666 was the lowest I've seen which was my dad's but that's cause of 2 medical collections and he had a 13 year relationship with Chase accounts and credit card.

 

Chase doesn't like baddies so I would refrain for a while til atleast majority of things falls off. If you live in NY go get it removed now =p


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Super Contributor
enharu
Posts: 6,828
Registered: ‎02-27-2013

Re: What was the worst credit you had approved for CSP?

i'm itching to app CSP too!

 

Got an irl friend with CSP as her 1st card. NO cards before that. Had 1 paid in full and closed auto loan prior, and currently 1 year in for her 2nd 2yr auto loan. She banks with chase primarily though and has >100k cash as deposit. Did the app at a branch when the personal banker told her she'll get approved and she did. Not sure if the checking balance helped her more, or if her auto loan did, or both.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Discover IT (15k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k).
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013

Re: What was the worst credit you had approved for CSP?

    I was rejected with a 625. I have a released federal lien for 5500 from 2006 released 2008 and a BofA cc account closed in 2010 with a bunch of 120 day lates but no negatives besides that. Hope that info helps... From what I have read of citi, they set their standards then make no exceptions. I had a citi card earlier in my life and it is still on one of my credit reports as having been paid on time.

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Valued Contributor
jsucool76
Posts: 2,768
Registered: ‎12-11-2011

Re: What was the worst credit you had approved for CSP?

Csp is chase, not citi.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Frequent Contributor
SamsungHDTV
Posts: 453
Registered: ‎10-25-2011

Re: What was the worst credit you had approved for CSP?

[ Edited ]

distantarray wrote:

666 was the lowest I've seen which was my dad's but that's cause of 2 medical collections and he had a 13 year relationship with Chase accounts and credit card.

 

Chase doesn't like baddies so I would refrain for a while til atleast majority of things falls off. If you live in NY go get it removed now =p


I don't live in NY, but I'm curious why you say that?

I'm a personal banker and do a lot of auto loans serving the Houston area.
I suggest first time car buyers to read the sticky guide in the auto loan section.
I try to check these forums often, but if I missed your post, please feel free to message me with a link to it.
Frequent Contributor
atarvuzdar
Posts: 375
Registered: ‎01-20-2012

Re: What was the worst credit you had approved for CSP?

Paid collections in NY fall off reports after 5 years instead of 7 years... "paid" is the operative word here. :smileyhappy:

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Senior Contributor
youngandcreditwrthy
Posts: 5,973
Registered: ‎08-16-2012

Re: What was the worst credit you had approved for CSP?

I am itching for this card too!!! And Im scared to app even with a FICO across the boards in the 680-720 range lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
SamsungHDTV
Posts: 453
Registered: ‎10-25-2011

Re: What was the worst credit you had approved for CSP?


youngandcreditwrthy wrote:
I am itching for this card too!!! And Im scared to app even with a FICO across the boards in the 680-720 range lol

post if you apply. do you have any derogatory marks on your report?

I'm a personal banker and do a lot of auto loans serving the Houston area.
I suggest first time car buyers to read the sticky guide in the auto loan section.
I try to check these forums often, but if I missed your post, please feel free to message me with a link to it.
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011

Re: What was the worst credit you had approved for CSP?

[ Edited ]
I got a CSP in January with a BK 7 reporting 7.5 yrs..no other neg besides bk reporting.....about 10 inq on each report about 6 months old.....i was a Washington mutual customer that transferred to Chase...thenmy 3000 CL was CLD to 800 and 29.99 apr...paid off and closed....also IIB chase for about 5000...
Hope this helps


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