topic CSP approval odds? in Credit Card Applications

CSP approval odds?

Anonymous — Sat, 08 Jun 2019 13:05:33 GMT

Hello guys well I’m in the process of paying for my wedding and want to perhaps take advantage of some SUBs.

I recently opened a checking account with chase too and getting $300 bonus.

-current line up is Amex bcp,discover it, boa cash and travel rewards under 10% usage
-My last inquiry was around fall 17
-transunion sitting at 765 and experian at 775
- have a car loan with 9k left
-no baddies and no missed payments
-5 yrs credit history

Also does csp offer introductory 0 apr?

Thanks for the responses and any suggestions guys

Re: CSP approval odds?

simplynoir — Sat, 08 Jun 2019 13:28:45 GMT

First off congrats on your future wedding!

Assuming 5/24 isn't an issue which I don't think it is you're pretty muh golden for applying for the CSP. And no at the present time the currrent CSP offer does not offer 0% intro APR and the AF is not waived either. They make up for that with an increased SUB however.

Re: CSP approval odds?

Anonymous — Sat, 08 Jun 2019 13:29:56 GMT

I think your chances are fantastic. I would maybe even go into your local branch and ask if you have any preapprovals. I think you'll be approved no matter how you apply.

Re: CSP approval odds?

pinkandgrey — Sat, 08 Jun 2019 13:32:06 GMT

I’d say you’re in a great position to get the CSP. So few inquiries and I’m guessing not many recently opened cards. Congrats on the wedding!

Re: CSP approval odds?

VanderSnoot — Sat, 08 Jun 2019 13:59:10 GMT

Agree with everyone above. I think I've read here that some people apply for the CSR and downgrade after 1 yr to the CSP, so check out that possibility. And definitely apply in person - it sounds like lots of good things happen when someone sits in their office during an app (higher SL, lower APR, higher approval odds though yours seem good as is).

Congrats on the wedding!

Re: CSP approval odds?

Anonymous — Sat, 08 Jun 2019 14:45:36 GMT

I would definitely get/apply for the CSR instead of the CSP

Re: CSP approval odds?

Anonymous — Mon, 10 Jun 2019 01:33:23 GMT

Thank you guys!!!

I’m planning to go to the branch and apply for the CSR in the next few weeks . Gonna wait till we have more things solidify so I can pay for them and get that 4K out the way.

Re: CSP approval odds?

Anonymous — Mon, 10 Jun 2019 08:02:44 GMT

If you do not fly at least once a year and you cannot take advantage of the other reimbursements to get the annual fee down from $450 to $150 per year... then get the CSP, like you originally planned

Re: CSP approval odds?

Anonymous — Mon, 10 Jun 2019 09:46:10 GMT

Well all my family is in another state so I travel 2x per year and usually I fly at least once a year so I can justify the credit. I think is a solid choice so I’m going to try it. Hopefully I don’t get deny as I don’t see any offers for it when I check online.

Re: CSP approval odds?

addicted_to_credit — Tue, 11 Jun 2019 04:31:29 GMT

I got approved for 18.7k after calling in to verify some things today. I apped Saturday for it.

Re: CSP approval odds?

Anonymous — Tue, 11 Jun 2019 05:06:47 GMT

@Anonymous wrote:
Well all my family is in another state so I travel 2x per year and usually I fly at least once a year so I can justify the credit. I think is a solid choice so I’m going to try it. Hopefully I don’t get deny as I don’t see any offers for it when I check online.

AFAIK CSR never has done an online pre-app. Either app or go to a branch to find out if you're pre-app'd for it.

CSR application!!

Anonymous — Wed, 19 Jun 2019 12:57:37 GMT

Been on the fence about applying for the CSR as I only travel a couple of times a year. Like I mentioned before I think this would be the perfect time because I have wedding expenses to start paying off beginning next month. I guess I can always PC no?

Anyways should I refresh my scores thru experian before going in branch to do so?

Thanks

Re: CSR application!!

Anonymous — Wed, 19 Jun 2019 15:18:03 GMT

Yes, you can PC after the first year.

Refreshing your scores won't do anything to the scores they pull when you submit the app.

Re: CSR application!!

Anonymous — Wed, 19 Jun 2019 15:42:20 GMT

Thanks for the reply. Would I be able to switch back later down the road to the CSR if I product change after a year ?

Re: CSR application!!

Anonymous — Wed, 19 Jun 2019 15:45:10 GMT

Yes, the only thing that is the issue is the 1st 12 months due to the CARD act.

Re: CSR application!!

Anonymous — Wed, 19 Jun 2019 16:01:36 GMT

Ok thanks, I’m going to my branch today I think. Crosses fingers

Re: CSR application!!

Anonymous — Wed, 19 Jun 2019 16:00:35 GMT

I’d recommend the CSR over CSP to anyone qualified. That travel credit is extremely easy to get. There’s effectively no small print to it. I got mine all on my first statement by paying for a rental car. And even if you never travel (which you do), they’d let you use it on Uber’s, taxis, and parking. At that point, it’s pretty easy to get $55 in added value over the CSP. You use a priority pass lounge with a guest one time, and you’ve covered it.

And yes, you could always PC it down. But I doubt you’ll want to.

Re: CSR application!!

Anonymous — Wed, 19 Jun 2019 17:34:33 GMT

Yes taco that’s my thinking also, heading to the branch now. Feeling nervous lol

Re: CSR application!!

Anonymous — Wed, 19 Jun 2019 19:10:44 GMT

Success!!!!!!

Re: CSR application!!

Remedios — Wed, 19 Jun 2019 19:16:46 GMT

@Anonymous , approved?