topic Re: I got approved for a CSP, what should my credit score range be? in Credit Card Approvals

I got approved for a CSP, what should my credit score range be?

Anonymous — Mon, 02 Nov 2015 19:48:15 GMT

I recently got into improving my credit about a year ago, started with like a 540 or something ridiculous and all I had was a $300 secured wells fargo card.

Have had this for about a year and a half and converted it to an unsecured card and moved up to a Chase Freedom, Capital One QS 1, AMEX BCE, and on credit karma (which I know is FAKO) my TU was 667 and My EQ was 674.

Now i'm still very cautious about applying for cards and CLI and such but last week on thursday i applied and was approved for a DISCOVER IT and then the following day (friday) I applied and was approved for a CSP even though CK said my odds were "fair" and after doing some looking around it would seem that your score would atleast have to be in the 700s to get approved for the card.

So what range exactly would it be safe to say my real score would be in?

Re: I got approved for a CSP, what should my credit score range be?

Anonymous — Mon, 02 Nov 2015 19:52:11 GMT

I was approved for the csp a weeks ago with credit scores ranging from 600-649. A few weeks prior I got a chase freedom with a chase internal score of 654. The chase internal score didnt cone with the csp so Idk.

Re: I got approved for a CSP, what should my credit score range be?

CreditCuriosity — Mon, 02 Nov 2015 19:53:26 GMT

@Anonymous wrote:
I recently got into improving my credit about a year ago, started with like a 540 or something ridiculous and all I had was a $300 secured wells fargo card.

Have had this for about a year and a half and converted it to an unsecured card and moved up to a Chase Freedom, Capital One QS 1, AMEX BCE, and on credit karma (which I know is FAKO) my TU was 667 and My EQ was 674.

Now i'm still very cautious about applying for cards and CLI and such but last week on thursday i applied and was approved for a DISCOVER IT and then the following day (friday) I applied and was approved for a CSP even though CK said my odds were "fair" and after doing some looking around it would seem that your score would atleast have to be in the 700s to get approved for the card.

So what range exactly would it be safe to say my real score would be in?

You can purchase your real Fico's from either this site for 60 dollars for all 3 or goto another site for $1 trial membership being CCT and get all 3 Ficos 08's that was as well.. No one can guess what you real Fico's are as Fako's are something close and something more than 100-150 points offs.

Re: I got approved for a CSP, what should my credit score range be?

CreditCuriosity — Mon, 02 Nov 2015 19:55:24 GMT

@Anonymous wrote:
I was approved for the csp a weeks ago with credit scores ranging from 600-649. A few weeks prior I got a chase freedom with a chase internal score of 654. The chase internal score didnt cone with the csp so Idk.

CSP only has one APR so no internal score given. Freedom has various apr's so either ther CARS score is given or FICO. Congrats on getting the CSP with that score range. Do you bank with Chase?

Re: I got approved for a CSP, what should my credit score range be?

Anonymous — Mon, 02 Nov 2015 20:05:18 GMT

Does using CCT to check my score impact my score in anyway?

Re: I got approved for a CSP, what should my credit score range be?

Anonymous — Mon, 02 Nov 2015 20:20:36 GMT

NO, just make sure cancel after 7 day .

Re: I got approved for a CSP, what should my credit score range be?

Anonymous — Mon, 02 Nov 2015 21:52:44 GMT

Sorry im on mobile and cant quote. No, I dont bank with chase. Congrats op the card is awesome. Now hit that spend requirement.

Re: I got approved for a CSP, what should my credit score range be?

Anonymous — Mon, 02 Nov 2015 22:04:48 GMT

Im considering doing something incredibly stupid like trying to buy a used car to hit that $4000 at once.

Re: I got approved for a CSP, what should my credit score range be?

Country_Feller — Tue, 03 Nov 2015 01:43:35 GMT

Congratulations!!!!

Re: I got approved for a CSP, what should my credit score range be?

Anonymous — Tue, 03 Nov 2015 01:49:50 GMT

@Anonymous wrote:
Im considering doing something incredibly stupid like trying to buy a used car to hit that $4000 at once.

If you were going to pay cash for the car, and the dealership lets you, then it seems pretty smart. Different story if you can negotiate the price down with paying cash as the dealership will eat the fee for processing the card.

Re: I got approved for a CSP, what should my credit score range be?

9CLINE — Tue, 03 Nov 2015 02:11:17 GMT

Congrats on approvals........

Re: I got approved for a CSP, what should my credit score range be?

Anonymous — Tue, 03 Nov 2015 03:04:01 GMT

I did the same thing. Actually, I have a summer car that had like $1600 left on the loan so I put that on the csp and paid it off. Then I bought a winter car and ran that through the card and paid it off. Its extremely smart as long as you pif.

Re: I got approved for a CSP, what should my credit score range be?

bodyboy1 — Tue, 03 Nov 2015 04:25:20 GMT

@Anonymous wrote:
Im considering doing something incredibly stupid like trying to buy a used car to hit that $4000 at once.

> Why does something (that You Want to do) have to be stupid>?

Like Me Wanting to buy taget gift & visa gift Cards <> With My New Capital One Venture to get a Bonus! Holidays are coming.. & what cards i don't give Away.. i'll just keep & spend! <. When you buy the Car. how much can you pay>? As Quickly ASAP>? just out of curiousity.. $1500-$2k in 2-3 months>?

Re: I got approved for a CSP, what should my credit score range be?

Anonymous — Tue, 03 Nov 2015 18:59:09 GMT

The reason I would be so hesitant to actually get the car is becausethe CSP doesnt have 0% interest the first year, so that 4000 purchase + interest is somewhere near 4600 and some change, with interest on it every month.

Re: I got approved for a CSP, what should my credit score range be?

Anonymous — Tue, 03 Nov 2015 19:33:16 GMT

Congrats!

On my own CSP approval (which wasn't instant but just required identity verification steps), Chase granted me 8500 initial CL and my EX FICO 8 was 670-something at the time.

Having a banking relationship with Chase *definitely* helps.