How new is the lease?
Wait until your baddies have fallen off. IMO, the more distance you put between the new lease the better.
I would wait for the baddies to fall off. I was just denied for the csp today and they did not like my new accounts and they were not impressed with the limits on my cards. They kept telling me how the csp is a premier card......so I guess they were telling me that its outta my league in a nice way.....lol On the other hand, I got approved for two Amex cards in January and they were both instant approvals. I hope this helps and I wish you luck in whatever you decide. 
@snowkitty wrote:
I would wait for the baddies to fall off. I was just denied for the csp today and they did not like my new accounts and they were not impressed with the limits on my cards. They kept telling me how the csp is a premier card......so I guess they were telling me that its outta my league in a nice way.....lol On the other hand, I got approved for two Amex cards in January and they were both instant approvals. I hope this helps and I wish you luck in whatever you decide.
I don't really get the issue. I understand you have two new accounts from six months ago, but you have a number of other accounts and decent CLs. I was going to reapply after six months with my freedom and venture. Now I am not so sure given your experience, unless there is something else in your file they didn't like. Do you have high balances or util?
OP: Welcome to the forums!
Amex revolver I think you have a legit chance though it's not guarunteed. CSP I rather doubt it honestly. I would still wait for the negatives to drop off, which is likely near the 6 month point on your lease which is a reasonable time to apply.
As snowkitty has suggested, Chase is somewhat picky recently regarding their CSP, I'm starting to wonder if they raised the underwriting requirements from where it was roughly this time last year.
@red259
The issue with Snowkitty's profile wasn't her lack of good good history and good credit lines- it was more a issue with her length of credit history in my opinion and recent apps. I think there would have been an approval if a little more time was placed on her profile.
@Stage24u
If you let your baddies call off and report- I'm thinking your FICO will recover nicely. So much so- I think with your given income- it will overcome your deficiencies with their desired history with higher limits. Let the baddies fall off then app. I think you will be good to go. JMHO.
The issue with Snowkitty's profile wasn't her lack of good good history and good credit lines- it was more a issue with her length of credit history in my opinion and recent apps. I think there would have been an approval if a little more time was placed on her profile.
@Stage24u
If you let your baddies call off and report- I'm thinking your FICO will recover nicely. So much so- I think with your given income- it will overcome your deficiencies with their desired history with higher limits. Let the baddies fall off then app. I think you will be good to go. JMHO.
Starting Score: 642
@Open123 wrote:
@Revelate wrote:Chase is somewhat picky recently regarding their CSP, I'm starting to wonder if they raised the underwriting requirements from where it was roughly this time last year.Seems like issuers are starting to tighten a little; the past year, the industry's easy credit policies has created a slight bubble.
That's a strong possibility, certainly we're seeing skittishness in other places... I'm still horrified by the mortgage rate jump this week, my dreams of homeownership in a decent school district are shattering rapidly.