topic Re: CSR, should I apply? in Credit Card Applications

CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 05:21:36 GMT

Hey guys.. hope you all doing well.

Well, as we all know CSR 100K bonus is ending in branch on March 12.. I always wanted to get that in my wallet but I have been at 5/24 or 6/24 since they launched this card.. I am at 6/24 now out of which I have one store card - Macy's. In few months I will be 2/24.. to be precise 5/24 on March 24, 4/24 on April 3, 3/24 on June 12, and 2/24 on July 5.

I went to nearby branch and asked if I had some in branch pre approvals. The banker said you have been pre approved for all the cards we offer at chase except the CSR as it no longer comes in pre approval list.. but she added if you are preapproved for all the cards you should be good with CSR as well. Should I pull the trigger in branch and recon if required? I doubt things will work out for me but don't want to regret later that I did not try for 100k. What you guys think?

My signature is updated with most recent FICO scores and total credit limit.

Re: CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 06:02:36 GMT

Yes I would apply. Probably on March 2nd. A lot of my cards I've noticed that even if I app on the 20th or 25th on my credit reports it shows as the card opened on the 1st of that month way before I even applied.

So this may work to your benefit rather than waiting until March 24th. That's my advice hopefully it works out for you!

Re: CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 06:31:49 GMT

@Anonymous wrote:
Yes I would apply. Probably on March 2nd. A lot of my cards I've noticed that even if I app on the 20th or 25th on my credit reports it shows as the card opened on the 1st of that month way before I even applied.

So this may work to your benefit rather than waiting until March 24th. That's my advice hopefully it works out for you!

Thank you.. I think you are correct.. I did check my EX report and there it shows accounts opened on first of month instead of actual dates. But still I will be at 5/24 on March 2.. and I believe Chase do consider store cards in 5/24..

Should I just apply after March 1 and if they deny then recon within 30 days as after April 1 I will be at 4/24 (with Macy's still in 4/24)

Re: CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 06:41:49 GMT

@Anonymous wrote:
Thank you.. I think you are correct.. I did check my EX report and there it shows accounts opened on first of month instead of actual dates. But still I will be at 5/24 on March 2.. and I believe Chase do consider store cards in 5/24..

Should I just apply after March 1 and if they deny then recon within 30 days as after April 1 I will be at 4/24 (with Macy's still in 4/24)

That's a good idea. There are conflicting data points regarding whether or not they count true store cards but you could always try pleading that point if necessary.

I have seen people who were approved when a store card is all that put them over 4/24, but also seen people denied who had only opened 5 store cards and zero real credit cards so it seems to be based on the whim of the underwriter you talk to.

Re: CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 16:03:40 GMT

Yes! Some cards are worth getting declined over and this card is one.

Re: CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 16:28:29 GMT

@Anonymous wrote:
@Anonymous wrote:
Thank you.. I think you are correct.. I did check my EX report and there it shows accounts opened on first of month instead of actual dates. But still I will be at 5/24 on March 2.. and I believe Chase do consider store cards in 5/24..

Should I just apply after March 1 and if they deny then recon within 30 days as after April 1 I will be at 4/24 (with Macy's still in 4/24)
That's a good idea. There are conflicting data points regarding whether or not they count true store cards but you could always try pleading that point if necessary.

I have seen people who were approved when a store card is all that put them over 4/24, but also seen people denied who had only opened 5 store cards and zero real credit cards so it seems to be based on the whim of the underwriter you talk to.

Alright.. since I will be at 5/24 on Mar 2 and 4/24 on April 2 with store card still part of those 5/24 and 4/24, I think I should give it a try.. I will visit a branch sometime in first/second week before the bonus ends and try to recon if they deny.. I know it will be denied automatically by system but underwriter can override if discussed.

Re: CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 16:29:41 GMT

@Anonymous wrote:
Yes! Some cards are worth getting declined over and this card is one.

I agree.. and that is the reason I should atleast give it a try and not regret later that I did not try

Re: CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 17:00:10 GMT

When I got my freedom, I missed the bigger sign on bonus for UR points by about a month. I sent them a message and they added them to my account. I wonder if they would do the same for CSR? Probably not since it's such a big payout?

Just trying to think of other angles for you.

Re: CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 17:06:19 GMT

@Anonymous wrote:
When I got my freedom, I missed the bigger sign on bonus for UR points by about a month. I sent them a message and they added them to my account. I wonder if they would do the same for CSR? Probably not since it's such a big payout?

Just trying to think of other angles for you.

Thank you.. I know Chase has always been superior in matching signup bonuses be it a Checking/Savings account or a credit card but in this case even I wonder if they will match.. if someone can give us more insight I can try a month later may be?

Re: CSR, should I apply?

bourgogne — Mon, 20 Feb 2017 21:56:15 GMT

@Anonymous wrote:
Hey guys.. hope you all doing well.

Well, as we all know CSR 100K bonus is ending in branch on March 12.. I always wanted to get that in my wallet but I have been at 5/24 or 6/24 since they launched this card.. I am at 6/24 now out of which I have one store card - Macy's. In few months I will be 2/24.. to be precise 5/24 on March 24, 4/24 on April 3, 3/24 on June 12, and 2/24 on July 5.

I went to nearby branch and asked if I had some in branch pre approvals. The banker said you have been pre approved for all the cards we offer at chase except the CSR as it no longer comes in pre approval list.. but she added if you are preapproved for all the cards you should be good with CSR as well. Should I pull the trigger in branch and recon if required? I doubt things will work out for me but don't want to regret later that I did not try for 100k. What you guys think?

My signature is updated with most recent FICO scores and total credit limit.

imo you are over-thinking this, if the branch shows a pre-app for a csp then I would be amazed if you did not get it. not that it comes down to it but your scores are solid. I have had many friends app for it in the matter and everyone got the card

Re: CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 22:01:53 GMT

@bourgogne wrote:
@Anonymous wrote:
Hey guys.. hope you all doing well.

Well, as we all know CSR 100K bonus is ending in branch on March 12.. I always wanted to get that in my wallet but I have been at 5/24 or 6/24 since they launched this card.. I am at 6/24 now out of which I have one store card - Macy's. In few months I will be 2/24.. to be precise 5/24 on March 24, 4/24 on April 3, 3/24 on June 12, and 2/24 on July 5.

I went to nearby branch and asked if I had some in branch pre approvals. The banker said you have been pre approved for all the cards we offer at chase except the CSR as it no longer comes in pre approval list.. but she added if you are preapproved for all the cards you should be good with CSR as well. Should I pull the trigger in branch and recon if required? I doubt things will work out for me but don't want to regret later that I did not try for 100k. What you guys think?

My signature is updated with most recent FICO scores and total credit limit.

imo you are over-thinking this, if the branch shows a pre-app for a csp then I would be amazed if you did not get it. not that it comes down to it but your scores are solid. I have had many friends app for it in the matter and everyone got the card

Sorry if I made it confusing.. Branch says pre approved for all the Chase cards except CSR as it no longer comes in pre approval list and that is the only way we can by pass 5/24 rule.. I am pretty confident if I apply for CSP in branch I will be approved and with a good SL, but I am looking for a CSR approval here which does not come in pre approval list, so I am not sure how system will by pass 5/24 rule

Re: CSR, should I apply?

bourgogne — Mon, 20 Feb 2017 22:09:16 GMT

@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
Hey guys.. hope you all doing well.

Well, as we all know CSR 100K bonus is ending in branch on March 12.. I always wanted to get that in my wallet but I have been at 5/24 or 6/24 since they launched this card.. I am at 6/24 now out of which I have one store card - Macy's. In few months I will be 2/24.. to be precise 5/24 on March 24, 4/24 on April 3, 3/24 on June 12, and 2/24 on July 5.

I went to nearby branch and asked if I had some in branch pre approvals. The banker said you have been pre approved for all the cards we offer at chase except the CSR as it no longer comes in pre approval list.. but she added if you are preapproved for all the cards you should be good with CSR as well. Should I pull the trigger in branch and recon if required? I doubt things will work out for me but don't want to regret later that I did not try for 100k. What you guys think?

My signature is updated with most recent FICO scores and total credit limit.

imo you are over-thinking this, if the branch shows a pre-app for a csp then I would be amazed if you did not get it. not that it comes down to it but your scores are solid. I have had many friends app for it in the matter and everyone got the card
Sorry if I made it confusing.. Branch says pre approved for all the Chase cards except CSR as it no longer comes in pre approval list and that is the only way we can by pass 5/24 rule.. I am pretty confident if I apply for CSP in branch I will be approved and with a good SL, but I am looking for a CSR approval here which does not come in pre approval list, so I am not sure how system will by pass 5/24 rule

crystal clear, having a CSP pre-approval is a good indicator of a CSR approval. I would suggest not waiting as pre-apps come and go. its 1 hp, 2 worst case. how do you want this story to end is all you have to ask yourself. good luck and you better report back here!

Re: CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 22:26:08 GMT

@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
Hey guys.. hope you all doing well.

Well, as we all know CSR 100K bonus is ending in branch on March 12.. I always wanted to get that in my wallet but I have been at 5/24 or 6/24 since they launched this card.. I am at 6/24 now out of which I have one store card - Macy's. In few months I will be 2/24.. to be precise 5/24 on March 24, 4/24 on April 3, 3/24 on June 12, and 2/24 on July 5.

I went to nearby branch and asked if I had some in branch pre approvals. The banker said you have been pre approved for all the cards we offer at chase except the CSR as it no longer comes in pre approval list.. but she added if you are preapproved for all the cards you should be good with CSR as well. Should I pull the trigger in branch and recon if required? I doubt things will work out for me but don't want to regret later that I did not try for 100k. What you guys think?

My signature is updated with most recent FICO scores and total credit limit.

imo you are over-thinking this, if the branch shows a pre-app for a csp then I would be amazed if you did not get it. not that it comes down to it but your scores are solid. I have had many friends app for it in the matter and everyone got the card
Sorry if I made it confusing.. Branch says pre approved for all the Chase cards except CSR as it no longer comes in pre approval list and that is the only way we can by pass 5/24 rule.. I am pretty confident if I apply for CSP in branch I will be approved and with a good SL, but I am looking for a CSR approval here which does not come in pre approval list, so I am not sure how system will by pass 5/24 rule
crystal clear, having a CSP pre-approval is a good indicator of a CSR approval. I would suggest not waiting as pre-apps come and go. its 1 hp, 2 worst case. how do you want this story to end is all you have to ask yourself. good luck and you better report back here!

aaah I see.. that's what the banker told me that you should be good for CSR.. I will see when I can visit the branch in coming weeks.. and yes, I will update this post with outcome, I sure will.. Thank you bourgogne

Re: CSR, should I apply?

bourgogne — Mon, 20 Feb 2017 22:33:32 GMT

@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
Hey guys.. hope you all doing well.

Well, as we all know CSR 100K bonus is ending in branch on March 12.. I always wanted to get that in my wallet but I have been at 5/24 or 6/24 since they launched this card.. I am at 6/24 now out of which I have one store card - Macy's. In few months I will be 2/24.. to be precise 5/24 on March 24, 4/24 on April 3, 3/24 on June 12, and 2/24 on July 5.

I went to nearby branch and asked if I had some in branch pre approvals. The banker said you have been pre approved for all the cards we offer at chase except the CSR as it no longer comes in pre approval list.. but she added if you are preapproved for all the cards you should be good with CSR as well. Should I pull the trigger in branch and recon if required? I doubt things will work out for me but don't want to regret later that I did not try for 100k. What you guys think?

My signature is updated with most recent FICO scores and total credit limit.

imo you are over-thinking this, if the branch shows a pre-app for a csp then I would be amazed if you did not get it. not that it comes down to it but your scores are solid. I have had many friends app for it in the matter and everyone got the card
Sorry if I made it confusing.. Branch says pre approved for all the Chase cards except CSR as it no longer comes in pre approval list and that is the only way we can by pass 5/24 rule.. I am pretty confident if I apply for CSP in branch I will be approved and with a good SL, but I am looking for a CSR approval here which does not come in pre approval list, so I am not sure how system will by pass 5/24 rule
crystal clear, having a CSP pre-approval is a good indicator of a CSR approval. I would suggest not waiting as pre-apps come and go. its 1 hp, 2 worst case. how do you want this story to end is all you have to ask yourself. good luck and you better report back here!
aaah I see.. that's what the banker told me that you should be good for CSR.. I will see when I can visit the branch in coming weeks.. and yes, I will update this post with outcome, I sure will.. Thank you bourgogne

good. no blame if this does not work lol. curious, why are you cls on the low side if your scores are where they are? don't wait too long, strike while the fire is hot, etc.

Re: CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 22:44:36 GMT

@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
Hey guys.. hope you all doing well.

Well, as we all know CSR 100K bonus is ending in branch on March 12.. I always wanted to get that in my wallet but I have been at 5/24 or 6/24 since they launched this card.. I am at 6/24 now out of which I have one store card - Macy's. In few months I will be 2/24.. to be precise 5/24 on March 24, 4/24 on April 3, 3/24 on June 12, and 2/24 on July 5.

I went to nearby branch and asked if I had some in branch pre approvals. The banker said you have been pre approved for all the cards we offer at chase except the CSR as it no longer comes in pre approval list.. but she added if you are preapproved for all the cards you should be good with CSR as well. Should I pull the trigger in branch and recon if required? I doubt things will work out for me but don't want to regret later that I did not try for 100k. What you guys think?

My signature is updated with most recent FICO scores and total credit limit.

imo you are over-thinking this, if the branch shows a pre-app for a csp then I would be amazed if you did not get it. not that it comes down to it but your scores are solid. I have had many friends app for it in the matter and everyone got the card
Sorry if I made it confusing.. Branch says pre approved for all the Chase cards except CSR as it no longer comes in pre approval list and that is the only way we can by pass 5/24 rule.. I am pretty confident if I apply for CSP in branch I will be approved and with a good SL, but I am looking for a CSR approval here which does not come in pre approval list, so I am not sure how system will by pass 5/24 rule
crystal clear, having a CSP pre-approval is a good indicator of a CSR approval. I would suggest not waiting as pre-apps come and go. its 1 hp, 2 worst case. how do you want this story to end is all you have to ask yourself. good luck and you better report back here!
aaah I see.. that's what the banker told me that you should be good for CSR.. I will see when I can visit the branch in coming weeks.. and yes, I will update this post with outcome, I sure will.. Thank you bourgogne
good. no blame if this does not work lol. curious, why are you cls on the low side if your scores are where they are? don't wait too long, strike while the fire is hot, etc.

same here, I am just going to pull the trigger without expectation and if it tuned out in my favor that will be great

Well about my scores, they are high may be because of my income (~73K)? About Credit Limits I think I am good when I compare with my colleagues with simillar credit profile.. I don't have a long credit history, oldest account is I think 33 months only (which I closed already) and oldest open account is 30 months old with AAoA 18 months..

Got 3 CLIs from Discover, started with 1250 then to 1800 to 5800 to 8000 (1 week back)

3 CLIs from AMEX, started with 5K to 15K to 25K to 34.5K

2 CLIs for Citi TYP, started with 4.2K to 5.2K to 6.8K (2 weeks back)

2 CLIs from Macys, started with 1K to 1.4K to 9.4K (1 week back)

No CLIs on BOA, Chase and Barclay.. I hate BOA card, but Chase and Barclay I started good imo - 7k and 15k respectively

Re: CSR, should I apply?

bourgogne — Mon, 20 Feb 2017 22:55:02 GMT

good. no blame if this does not work lol. curious, why are you cls on the low side if your scores are where they are? don't wait too long, strike while the fire is hot, etc.

same here, I am just going to pull the trigger without expectation and if it tuned out in my favor that will be great

Got 3 CLIs from Discover, started with 1250 then to 1800 to 5800 to 8000 (1 week back)

3 CLIs from AMEX, started with 5K to 15K to 25K to 34.5K

2 CLIs for Citi TYP, started with 4.2K to 5.2K to 6.8K (2 weeks back)

2 CLIs from Macys, started with 1K to 1.4K to 9.4K (1 week back)

No CLIs on BOA, Chase and Barclay.. I hate BOA card, but Chase and Barclay I started good imo - 7k and 15k respectively

you had me at 33 months. you have a nice lineup, good for you. what is your current util, you might want to zero out the freedom before you app not that it makes any difference but it cannot hurt. I think you are all set, I assume you have the means to make the spend and 2x $ 300 this year, right?

Re: CSR, should I apply?

Anonymous — Mon, 20 Feb 2017 23:04:59 GMT

@bourgogne wrote:
good. no blame if this does not work lol. curious, why are you cls on the low side if your scores are where they are? don't wait too long, strike while the fire is hot, etc.
same here, I am just going to pull the trigger without expectation and if it tuned out in my favor that will be great
Well about my scores, they are high may be because of my income (~73K)? About Credit Limits I think I am good when I compare with my colleagues with simillar credit profile.. I don't have a long credit history, oldest account is I think 33 months only (which I closed already) and oldest open account is 30 months old with AAoA 18 months..
Got 3 CLIs from Discover, started with 1250 then to 1800 to 5800 to 8000 (1 week back)
3 CLIs from AMEX, started with 5K to 15K to 25K to 34.5K
2 CLIs for Citi TYP, started with 4.2K to 5.2K to 6.8K (2 weeks back)
2 CLIs from Macys, started with 1K to 1.4K to 9.4K (1 week back)
No CLIs on BOA, Chase and Barclay.. I hate BOA card, but Chase and Barclay I started good imo - 7k and 15k respectively

you had me at 33 months. you have a nice lineup, good for you. what is your current util, you might want to zero out the freedom before you app not that it makes any difference but it cannot hurt. I think you are all set, I assume you have the means to make the spend and 2x $ 300 this year, right?

Utilization would be around 3-4% considering my most recent statement closure balances and recent CLIs.. My last Statement balance for Freedom was ~1550 which I already PIF.. and yes I can easily take advantage of both $300 credits

As a side note I have an auto loan (13.5K) from local credit union, I have paid 14 out of 48 installments.

In addition I have no baddies on any of my credit report, all payments have always been on time with no lates nothing

Re: CSR, should I apply?

bourgogne — Mon, 20 Feb 2017 23:18:40 GMT

@Anonymous wrote:
@bourgogne wrote:
good. no blame if this does not work lol. curious, why are you cls on the low side if your scores are where they are? don't wait too long, strike while the fire is hot, etc.
same here, I am just going to pull the trigger without expectation and if it tuned out in my favor that will be great
Well about my scores, they are high may be because of my income (~73K)? About Credit Limits I think I am good when I compare with my colleagues with simillar credit profile.. I don't have a long credit history, oldest account is I think 33 months only (which I closed already) and oldest open account is 30 months old with AAoA 18 months..
Got 3 CLIs from Discover, started with 1250 then to 1800 to 5800 to 8000 (1 week back)
3 CLIs from AMEX, started with 5K to 15K to 25K to 34.5K
2 CLIs for Citi TYP, started with 4.2K to 5.2K to 6.8K (2 weeks back)
2 CLIs from Macys, started with 1K to 1.4K to 9.4K (1 week back)
No CLIs on BOA, Chase and Barclay.. I hate BOA card, but Chase and Barclay I started good imo - 7k and 15k respectively

you had me at 33 months. you have a nice lineup, good for you. what is your current util, you might want to zero out the freedom before you app not that it makes any difference but it cannot hurt. I think you are all set, I assume you have the means to make the spend and 2x $ 300 this year, right?
Utilization would be around 3-4% considering my most recent statement closure balances and recent CLIs.. My last Statement balance for Freedom was ~1550 which I already PIF.. and yes I can easily take advantage of both $300 credits
As a side note I have an auto loan (13.5K) from local credit union, I have paid 14 out of 48 installments.
In addition I have no baddies on any of my credit report, all payments have always been on time with no lates nothing

impressive, I cannot image you not getting this card and I hope you get a sl that will blow you away

Re: CSR, should I apply?

Anonymous — Tue, 21 Feb 2017 00:51:35 GMT

Thank you bourgogne.. I will update here how it goes, may be within couple of weeks

Re: CSR, should I apply?

Anonymous — Thu, 23 Feb 2017 15:33:12 GMT

I will apply sometimes in first week of March.. would much appreciate if someone can help me understand following things

1) In my location Chase usually douple pull from EX and EQ. I checked my EX and EQ reports, while EX report always lists date of account opened as first of month but EQ lists as the exact date when account was opened. So if anyone know, whether Chase will consider EQ or EX date for calculating 5/24?

2) I heard Chase does not count those store cards in 5/24 which cannot be used outside the store. I have a Macy's store card which will contribute to my 5/24, so is it like Chase will not count this? If yes is it by system or once denied I need to bring this into underwrite's attention?

I know I have been thinking too much.. but just trying to prepare myself, be approved for this card and don't miss the 100K UR points