topic Re: 736 score enough for CSP? in Credit Card Applications

736 score enough for CSP?

Anonymous — Tue, 11 Jun 2019 07:12:49 GMT

736 score enough for CSP?

Hi gus，my info ：

EXPERIAN FICO® BANKCARD SCORE 8 736

3 HP in the last 6 months.

Total Credit

$14,500

utilization 8%

Thanks

Re: 736 score enough for CSP?

Anonymous — Tue, 11 Jun 2019 07:49:58 GMT

Do you currently have an account that is $5K+ and over a year old?

If approved for an account, your credit access line will be at least $5000

Re: 736 score enough for CSP?

Anonymous — Tue, 11 Jun 2019 08:37:17 GMT

Yes，I have one BOA credit card at 5K CL since 2016，but it's an additional card ：（

Thanks

Re: 736 score enough for CSP?

Remedios — Tue, 11 Jun 2019 11:51:31 GMT

How many cards did you open in the last two years?

please list the month and year they were opened in

Re: 736 score enough for CSP?

pinkandgrey — Tue, 11 Jun 2019 15:26:38 GMT

I would think you could get it IF IF IF you haven’t opened a bunch of cards in the last two years. You listed your inqs in the last six months, but said nothing about new accounts over the past 24.

Good luck!

Re: 736 score enough for CSP?

Anonymous — Tue, 11 Jun 2019 15:40:24 GMT

With your score I would say you are in good shape. Definitely a few factors that could change that, as mentioned above. If you have opened 5 accounts in the past 24 months, that would be a hard stop for Chase. Also, credit length and amount is another big factor (such as the 5k threshold mentioned above).

The best way to find out is to go into a branch and see if you are pre-approved.

Re: 736 score enough for CSP?

xaximus — Tue, 11 Jun 2019 16:47:07 GMT

What were the 3 HPs for? Current lines, when opened, current limits? Also, any accounts opened in the last 2 years? If so, how many and what are the limits?

I would recommend as mentioned before - you're best bet is to go in-branch and have a banker see what you are possibly approved for.

Re: 736 score enough for CSP?

Anonymous — Wed, 12 Jun 2019 01:36:54 GMT

Chase is weird sometimes.

2 days ago, I was checking their pre qual page and got a message that there were no offers for me at this time. Went to check my mail and saw a pre approved CSP offer. Used the invitation code online and got approved for 13.9k. My fico is at 727 (didn’t check with any credit bureaus).