Credit Cards

[BearsAndTurtlesRtheBest]

Can anyone who doesnt have a $30k annual income quaify or this card? and once approved can you PC to Preferred? ALSO I have ask how does it look? is it a plain cc look or does it have a Discover it or freedom texture to it? 

[afbar1114]

I got the CSP with a income below $30k but I also have a chase checking and savings accounts as well as freedom which I am sure helped. But I was at the branch and asked if I had any pre approvals and I had one for the CSP. So I apped and got it with a $5k limit five days after getting united. I have seen this card it looks just like the CSP jwith not made of metal

[kekrre]

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BearsAndTurtlesRtheBest wrote:

Can anyone who doesnt have a $30k annual income quaify or this card? and once approved can you PC to Preferred? ALSO I have ask how does it look? is it a plain cc look or does it have a Discover it or freedom texture to it? 

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I believe the requirements are identical to the CSP (and I'm not certain that $30k is an absolute requirement for a $5k limit from Chase). I also believe they are interchangeable (I think people get the CSP and then downgrade to the CS to avoid paying the AF).

My boss has it: it's plastic but looks identical to the CSP, has a matte finish (I don't think it's texturized, but I think the letters are raised like the CSP), but the lettering isn't as reflective.

Rewards-wise, it's kind of meh unless you have an Ink Bold/Plus or Palladium card to consolidate/transfer points. It does not:

a) have a travel bonus category

b) give any option for point transfer or travel redemption (it is a flat 2% dining, 1% everywhere else card)

c) offer an annual dividend

d) offer the ability to combine Sapphire and Freedom points

It is purely a dining card, and an average one at that.

I believe that if it offered 1:1 point transfer and points consolidation, it would destroy the SPG card (for UA, BA/AA and WN flyers), even if they ditched the dining category and charged an AF of up to $65 for it. But the CSP is already going head-to-head with the PRG and SPG, so I suppose they don't really need it.

[BearsAndTurtlesRtheBest]

@afbar1114 no $30k annual income and still approved? whoa first time i hear that. Thats great tho but like you said your checking and savings acct plus your freedom must of played a huge roll when determining approval. congrats and thanks for feed back.

[afbar1114]

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BearsAndTurtlesRtheBest wrote:

@afbar1114 no $30k annual income and still approved? whoa first time i hear that. Thats great tho but like you said your checking and savings acct plus your freedom must of played a huge roll when determining approval. congrats and thanks for feed back.

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Where did you hear this $30k income minimum? 

[BearsAndTurtlesRtheBest]

@kekrre Yeah thats what ive seen here in the forums they downgrade to CS to avoid AF. but yes completely agree CSP is the boss. Just wanted to know because my sister just reached her 1 year aaoa and want to see into getting prime cards like CSP Hyatt Visa Signature nothing else. Only two cards she wants.  THANKS

[BearsAndTurtlesRtheBest]

Ive read it here in the forums because why would they give a high CL with a small annual income? Right?

[creditnocash]

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afbar1114 wrote:

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BearsAndTurtlesRtheBest wrote:

@afbar1114 no $30k annual income and still approved? whoa first time i hear that. Thats great tho but like you said your checking and savings acct plus your freedom must of played a huge roll when determining approval. congrats and thanks for feed back.

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Where did you hear this $30k income minimum? 

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i personally read it on here. 

i have 28k income right now not factoring 2-6k quarterly bonuses. 

but i havent tried for this card.

[youngandcreditwrthy]

That's a good idea! Get a CSP for the usually HUGE sign up bonus... Then downgrade to avoid an AF!!!

This is a card I want in like 6 mos to a year! Lol

[CreditScholar]

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youngandcreditwrthy wrote:
That's a good idea! Get a CSP for the usually HUGE sign up bonus... Then downgrade to avoid an AF!!!

This is a card I want in like 6 mos to a year! Lol

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The sign-up bonus is the only real reason to get the CSP if your income is 30k. Unless you can push through at least 20k a year, it's probably not worth it. For most people that would equate to an income of ~60k. If you're making less than that, a 2% no-AF cash-back card would be better.