topic Re: In branch CSP Approval! in Credit Card Approvals

In branch CSP Approval!

SomewhereIn505 — Wed, 01 Jun 2022 18:57:14 GMT

Don't believe my siggy below. A lot has changed over the years.

While I do need to update that, I was getting the itchy finger for a travel card with points. And if you're going to go big, then it's either AmEx or Chase right now. I have AmEx Plat pre-approved for a while. Couldn't get any "Just For You" offers to trigger (story of my life and a lot of people here).

Disco and AmEx denied my CLI request this morning. Turns out it's their loss.

Went to the new local branch. Sat with a banker and chated. No pre-approvals for any cards. I listen to his pitch on Sapphire Preferred & Sapphire Reserved. Knowing I would have to act like a baller and roll $4K through the next few months, I went with the Preferred.

Stats - SL $6,200 (fine with me)

FICO - hovering above 700s

Interest Rate - laughable becasue I'm planning on PIF

Thank you Disco & AmEx for hating. I'll be showing Chase some love for the next 3 months.

Re: In branch CSP Approval!

CreditMagic7 — Wed, 01 Jun 2022 19:05:02 GMT

Congratulations on your in-branch CSP Approval!!

Re: In branch CSP Approval!

AverageJoesCredit — Wed, 01 Jun 2022 19:16:05 GMT

@SomewhereIn505 wrote:
Don't believe my siggy below. A lot has changed over the years.

While I do need to update that, I was getting the itchy finger for a travel card with points. And if you're going to go big, then it's either AmEx or Chase right now. I have AmEx Plat pre-approved for a while. Couldn't get any "Just For You" offers to trigger (story of my life and a lot of people here).

Disco and AmEx denied my CLI request this morning. Turns out it's their loss.

Went to the new local branch. Sat with a banker and chated. No pre-approvals for any cards. I listen to his pitch on Sapphire Preferred & Sapphire Reserved. Knowing I would have to act like a baller and roll $4K through the next few months, I went with the Preferred.

Stats - SL $6,200 (fine with me)
FICO - hovering above 700s
Interest Rate - laughable becasue I'm planning on PIF

Thank you Disco & AmEx for hating. I'll be showing Chase some love for the next 3 months.

FYI, one doesn't need a preapproval to approved for a Plat. I'm not sure Disco or Amex are hating, they are usually good at giving cli if one spends alot with their cards. An occasional charge normally won't do it Luv for the sake of a SUB isn't really luv more like trading favors

Re: In branch CSP Approval!

cashorcharge — Wed, 01 Jun 2022 19:31:28 GMT

That's terrific!! Congratulations on your CSP Approval!! 🎉🥂👏

Re: In branch CSP Approval!

gdale6 — Wed, 01 Jun 2022 21:33:26 GMT

Grats on your in branch CSP approval

Re: In branch CSP Approval!

NalekSok — Wed, 01 Jun 2022 23:56:51 GMT

Congratulations on your approval! 🎉

Re: In branch CSP Approval!

SPChaser — Thu, 02 Jun 2022 00:37:13 GMT

Congrats on CSP! Great travel card.

Re: In branch CSP Approval!

KingRue8500 — Thu, 02 Jun 2022 01:10:12 GMT

Congrats on your Chase Sapphire Preferred approval

Re: In branch CSP Approval!

Elpadrino1 — Thu, 02 Jun 2022 01:44:12 GMT

Congratulations on your approval!!

Re: In branch CSP Approval!

CreditAggie — Thu, 02 Jun 2022 02:46:45 GMT

Congratulations on your CSP approval!

Re: In branch CSP Approval!

PapaTunde — Thu, 02 Jun 2022 03:16:32 GMT

Congrats on your new CSP card

Re: In branch CSP Approval!

babygirl1256 — Thu, 02 Jun 2022 03:41:19 GMT

Congrats on your CSP approval.

Re: In branch CSP Approval!

PointsBonus — Thu, 02 Jun 2022 04:20:06 GMT

congrats on the approval -

curious, where you over or under the 5/24 ?

Re: In branch CSP Approval!

Binbinimiwi — Thu, 02 Jun 2022 07:15:51 GMT

Awesome! Congratulations on your approval 🎉

Re: In branch CSP Approval!

SomewhereIn505 — Thu, 02 Jun 2022 10:22:22 GMT

@PointsBonus wrote:
congrats on the approval -
curious, where you over or under the 5/24 ?

I'm way under 5/24 (maybe actually 2 or 3/24?). My EX was 706. It's not my greatest SL nor interest rate, however it was one of my "someday" cards I wanted to get.

Re: In branch CSP Approval!

SomewhereIn505 — Thu, 02 Jun 2022 10:37:18 GMT

@AverageJoesCredit wrote:

FYI, one doesn't need a preapproval to approved for a Plat. I'm not sure Disco or Amex are hating, they are usually good at giving cli if one spends alot with their cards. An occasional charge normally won't do it Luv for the sake of a SUB isn't really luv more like trading favors

Are you saying Amex only offered to take my money? It's okay I'm willing to be a friend with benefits and trade favors for a minute. Actually I wanted a better travel card than Southwest (whom I'm traveling less on), and AAdvantage. I've been pushing more through AAdvantage and EDP. CSP is one of those "someday" cards I wanted to get.

Re: In branch CSP Approval!

M_Smart007 — Thu, 02 Jun 2022 12:20:02 GMT

Congratulations on your CSP Approval!