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Regular Contributor
jaraico
Posts: 104
Registered: ‎03-07-2013
0

chase freedom and csp

ive heard great things about having the freedom and chase sapphire preffered combo

so maybe its time to app again?

 

income is 63,000

score 700

aaoa 2.5 yrs

no collections

car loan 02/2013 for 30,000 down to 25,000 

student loans in defferment

app free for 6 months! 6 or 7 inquiries in last year (car shopping)

credit cards:

1. discover over 5 yrs old  0/1000

2. citi opened 12/2012  550/1000

3. csp opened 04/2013  500/5000

4. jared 2 yrs old  900/1400

 

 

my first cc ever was a bank of america american express which i maxed out and i closed for financial hardship

so never went to collection but currently still paying off, remaining balance is 500

 

do you guys think i cant get the amex blue or cash card? or the chase freedom?

Barclays TU: 760 MyFico EX: 746 EQ:?

Frequent Contributor
Kozmo
Posts: 320
Registered: ‎07-08-2012
0

Re: chase freedom and csp

Have you checked their pre-qualified offers site?
Check that first.

The only issue I would have is that you're carrying a balance on 4 cards. But everything else looks good

If you apply and are denied I would recon. You can probably talk your way through an approval. But you stand a decent shot right now
Established Contributor
swpopham
Posts: 554
Registered: ‎06-02-2012
0

Re: chase freedom and csp

well, why haven't you been getting CLI's on the discover if its 5 years old its time to call and say hey am i prequalified for a 10k limit? and think too your citi is at 55% uti

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Regular Contributor
jaraico
Posts: 104
Registered: ‎03-07-2013
0

Re: chase freedom and csp

ive literally tried to get a cli every year and they keep giving me bs answers why not to.

thats why i refuse to use it but i cant close it since its on my oldest

Barclays TU: 760 MyFico EX: 746 EQ:?

Moderator
Kenny
Posts: 5,693
Registered: ‎01-15-2009
0

Re: chase freedom and csp

Have you tried getting a CLI on Discover before you make a payment and have a balance on the card? I've found that works as well.. but I've honestly never had any trouble at all with them... I've done the chat for a CLI, I've called, and I've done it through Message, and also on the soft pull page luv button. LOL GL!!
Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:802(10/08) - EQ04:770(10/31) - EQ08:790(10/16) - TU08:808(10/02)
Goal Score: 800+
Senior Contributor
B335is
Posts: 4,265
Registered: ‎09-22-2012
0

Re: chase freedom and csp

I agree, I would check the preapproval link because of carrying a balance on 4 of 5 accounts. If you got your Citi balance down below 20% I think you have a good shot at it.
Contributor
MMB85
Posts: 163
Registered: ‎06-23-2013
0

Re: chase freedom and csp


jaraico wrote:

ive literally tried to get a cli every year and they keep giving me bs answers why not to.

thats why i refuse to use it but i cant close it since its on my oldest


If it helps any, I had my Discover card since 2009, rarely used it. Started out with a $500 limit. I've tried in the past to get a CLI but was denied. I tried the other day and punched in $4500, so that it would bring me to 5,000 and I was approved. Have you tried CLI through your account on the site rather than calling?

Regular Contributor
jaraico
Posts: 104
Registered: ‎03-07-2013
0

Re: chase freedom and csp

good idea!

Barclays TU: 760 MyFico EX: 746 EQ:?

Moderator
09Lexie
Posts: 26,030
Registered: ‎09-13-2012
0

Re: chase freedom and csp

Frequent Contributor
Networth
Posts: 275
Registered: ‎07-11-2013
0

Re: chase freedom and csp

For American Express I would be worried about there "internal algorithmic" you said you opened a BoA/Amex card maxed it, than closed, and are slowly paying it off. I would wonder how their super secret system views that. 

Chase Sapphire Preferred - American Express Blue Sky - Chase Freedom - BankAmericard Travel Rewards - Walmart - Macy's

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