topic Re: CSP offer in Credit Card Applications

CSP offer

tcbofade — Sun, 12 May 2019 20:08:51 GMT

Hmmm. Updating excel sheet this morning, DW has an offer for CSP with the 60k SUB.

She's lol/24 and around 15% cranberry.

EX 711, TU 757.

Shows a fixed interest rate. (not a range...)

Is this a real offer? No green checkmarks, but it shows up when I look at account details on her existing card.

Hmmmm.....

Re: CSP offer

Remedios — Sun, 12 May 2019 18:06:39 GMT

Post a screenshot, Taco.

Re: CSP offer

Anonymous — Sun, 12 May 2019 18:11:43 GMT

No spread = good chance of approval.

I have 3 cards listed when I do the drop down and hit CC and they each have a spread but only the 3 boxes for info they want.

Re: CSP offer

tcbofade — Sun, 12 May 2019 18:30:37 GMT

@Remedios wrote:
Post a screenshot, Taco.

They only want income and a phone number...

Re: CSP offer

Anonymous — Sun, 12 May 2019 18:55:58 GMT

What's more important is what's below in the T&C box. If it's a specific APR then it's pretty much golden. Of course nothing is 100% until you have the card in your hand.

Re: CSP offer

tcbofade — Sun, 12 May 2019 19:04:44 GMT

Re: CSP offer

atst2000 — Sun, 12 May 2019 19:17:24 GMT

Yes it’s a pre-approval. Go for it. There mostly golden. I had one and went pending but eventually got approved.

Re: CSP offer

pinkandgrey — Sun, 12 May 2019 19:40:22 GMT

Looks good to me! Good luck! Approvals, here we come

Re: CSP offer

MrDFinance — Sun, 12 May 2019 19:44:47 GMT

That’s the exact same offer I received with a static apr and I was also lol/24 and got instantly approved

Re: CSP offer

SoCalifornia — Sun, 12 May 2019 20:11:01 GMT

Hmm, I have this same offer, APR a smidge higher, but fixed nonetheless.

I have been sitting on it because I was denied a month before this appeared in my account. Now I'm 🤔ing too

Edit: I'm curious to see the outcome, if you do in fact take the plunge, since it's nearly identical to my offer.

Re: CSP offer

MrDFinance — Sun, 12 May 2019 20:17:09 GMT

I will add that even though I had a fixed offer they still did a hard pull so there’s still a bit of checking going on in the back end even with the preapproval .....

Re: CSP offer

tcbofade — Sun, 26 May 2019 04:23:22 GMT

Approved.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Chase-Sapphire-Preferred-for-DW/m-p/5625286#M604130