topic Re: Time to app. Amex or CSP? Help! in Credit Card Applications

Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 15:17:06 GMT

Here's the list of current cards:

Wells Fargo Secured ($500) - April 2014, First card

Chase Freedom ($1200) - 6 months today.

Income is 72K

Prequal's I know right now

50K Amex PRG

Capital One (crap offers, credit steps)

Card I want: CSP!

What should I do? I have 15K funds with Chase in checking+saving, Scores right now: 703 TU (3 inq), 736 EQ (1 inq) and 715 EX(2 inq)

No inquiries since August 2014 when Chase pulled TU and EQ.

Need your help!

Any other cards that I should try? What are my odds for CSP?

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 15:19:38 GMT

@Programmerguy,

Check Chase website and see if you are pre-approved. If you are you should be fine. If not, I think you should apply for it regardless. You have a history and a relationship with them. Keep us posted if you apply.

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 15:21:45 GMT

I think you need to qualify for 5k to get a CSP if I'm not mistaken.

Maybe get the Amex gold and go for the 2 for 1 HP and try for a revolver too. Get that account to over 5k. At that point you will be over 1 year of history and have a much better shot at it.

Good luck in whatever you decide, keep us posted!

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 15:22:23 GMT

@Anonymous wrote:
@Anonymous,

Check Chase website and see if you are pre-approved. If you are you should be fine. If not, I think you should apply for it regardless. You have a history and a relationship with them. Keep us posted if you apply.

No prequal's on the Chase website

I've heard that Chase likes to see cards in the 5K range when you want to apply for CSP, the best I have is that Freedom at $1200, is it a long shot?

Re: Time to app. Amex or CSP? Help!

chalupaman — Mon, 23 Feb 2015 15:24:31 GMT

@Anonymous wrote:
Here's the list of current cards:

Wells Fargo Secured ($500) - April 2014, First card
Chase Freedom ($1200) - 6 months today.

Income is 72K
--
Prequal's I know right now
50K Amex PRG
Capital One (crap offers, credit steps)
--
Card I want: CSP!

What should I do? I have 15K funds with Chase in checking+saving, Scores right now: 703 TU (3 inq), 736 EQ (1 inq) and 715 EX(2 inq)
No inquiries since August 2014 when Chase pulled TU and EQ.

Need your help!
Any other cards that I should try? What are my odds for CSP?

Go for CSP either way. I think you could get it easily without a hitch.

It's the closest card I've ever gotten with Chase that has resembled an instant approval for me besides the Ritz.

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 15:28:32 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous,

Check Chase website and see if you are pre-approved. If you are you should be fine. If not, I think you should apply for it regardless. You have a history and a relationship with them. Keep us posted if you apply.

No prequal's on the Chase website
I've heard that Chase likes to see cards in the 5K range when you want to apply for CSP, the best I have is that Freedom at $1200, is it a long shot?

Not really.. That is a myth. You should be fine. They base approvals on their internal score, your credit profile etc.. If you have had the Freedom for a while and have been good with it, I will apply. Give it a shot. You have nothing to lose.... Report back if it goes to pending and then we can plan a strategy for recon. Now, Lets go..

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 15:28:37 GMT

@chalupaman wrote:
@Anonymous wrote:
Here's the list of current cards:

Wells Fargo Secured ($500) - April 2014, First card
Chase Freedom ($1200) - 6 months today.

Income is 72K
--
Prequal's I know right now
50K Amex PRG
Capital One (crap offers, credit steps)
--
Card I want: CSP!

What should I do? I have 15K funds with Chase in checking+saving, Scores right now: 703 TU (3 inq), 736 EQ (1 inq) and 715 EX(2 inq)
No inquiries since August 2014 when Chase pulled TU and EQ.

Need your help!
Any other cards that I should try? What are my odds for CSP?
Go for CSP either way. I think you could get it easily without a hitch.

It's the closest card I've ever gotten with Chase that has resembled an instant approval for me besides the Ritz.

I'm definitely going to try soon. I'm planning on going into the branch and have the banker apply for me, if it gets denied, I can ask them to request a recon and talk about the relationship with Chase and funds with them, maybe that'll help a bit!

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 15:47:08 GMT

@Anonymous wrote:
@chalupaman wrote:
@Anonymous wrote:
Here's the list of current cards:

Wells Fargo Secured ($500) - April 2014, First card
Chase Freedom ($1200) - 6 months today.

Income is 72K
--
Prequal's I know right now
50K Amex PRG
Capital One (crap offers, credit steps)
--
Card I want: CSP!

What should I do? I have 15K funds with Chase in checking+saving, Scores right now: 703 TU (3 inq), 736 EQ (1 inq) and 715 EX(2 inq)
No inquiries since August 2014 when Chase pulled TU and EQ.

Need your help!
Any other cards that I should try? What are my odds for CSP?
Go for CSP either way. I think you could get it easily without a hitch.

It's the closest card I've ever gotten with Chase that has resembled an instant approval for me besides the Ritz.
I'm definitely going to try soon. I'm planning on going into the branch and have the banker apply for me, if it gets denied, I can ask them to request a recon and talk about the relationship with Chase and funds with them, maybe that'll help a bit!

That is also a good idea....

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 15:58:39 GMT

Go for both, plus like a previous poster said, go for the 2 for 1 amex and get a revolver. Then when it shows up ask for a 3x CLI.

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 16:05:12 GMT

I think I'll try the CSP before the Amex cards. I really want that CSP to make that Freedom + CSP combo!

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 16:09:21 GMT

@Anonymous wrote:
I think I'll try the CSP before the Amex cards. I really want that CSP to make that Freedom + CSP combo!

I agree. Get the card you really want before going for others.

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 16:12:03 GMT

@Anonymous wrote:
@Anonymous wrote:
I think I'll try the CSP before the Amex cards. I really want that CSP to make that Freedom + CSP combo!
I agree. Get the card you really want before going for others.

Alright guys. Decisions. Just to reiterate - Freedom is at 6 months today (6 statements have cut). I have a couple of hours to kill during lunch today. Chase branch is 2 minutes from work. Time to pull the trigger on this one? Nervous!

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 16:26:01 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I think I'll try the CSP before the Amex cards. I really want that CSP to make that Freedom + CSP combo!
I agree. Get the card you really want before going for others.
Alright guys. Decisions. Just to reiterate - Freedom is at 6 months today (6 statements have cut). I have a couple of hours to kill during lunch today. Chase branch is 2 minutes from work. Time to pull the trigger on this one? Nervous!

I disagree with them. You should have over a year of revolving history and at least one account above or near 5k. This is a harder card to get than the freedom.

Let us know how it turns out, I have already been suprised once today. Lol. Good luck!

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 16:28:25 GMT

I appreciate the honest opinions from everyone. I'm right on the edge of applying, so itchy!

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 17:00:07 GMT

I think you should be fine for getting the CSP based on your income and your history with the Freedom. Yes, the CSP is a difficult card to obtain but you have a history with them already. I think you'll be approved just not for a much higher limit than $5k.

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 17:09:52 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I think I'll try the CSP before the Amex cards. I really want that CSP to make that Freedom + CSP combo!
I agree. Get the card you really want before going for others.
Alright guys. Decisions. Just to reiterate - Freedom is at 6 months today (6 statements have cut). I have a couple of hours to kill during lunch today. Chase branch is 2 minutes from work. Time to pull the trigger on this one? Nervous!

Pull the trigger... You have a lot of money with them. Have 6 months of history etc.. App. away and let us know results.

Re: Time to app. Amex or CSP? Help!

Anonymous — Mon, 23 Feb 2015 18:01:48 GMT

I'm leaning towards app'ing.. Got stuck at work..so time to think

Re: Time to app. Amex or CSP? Help!

Anonymous — Tue, 24 Feb 2015 01:50:36 GMT

So I went to the branch today. the banker told me that I was qualified for the slate and not the csp. Weirdly I can't see these offers when I check the pre approval site. The branch was closing and they said they can't do the app today. Now .. I walked out disappointed. I was ready to roll and take the hp and everything. The banker almost talked me out of it. She said go for slate, but I have no use for that card. Damn! I feel awkward to go again tomorrow and ask for the app. No idea why I have this feeling!

Re: Time to app. Amex or CSP? Help!

Anonymous — Tue, 24 Feb 2015 01:56:54 GMT

@Anonymous wrote:
So I went to the branch today. the banker told me that I was qualified for the slate and not the csp. Weirdly I can't see these offers when I check the pre approval site. The branch was closing and they said they can't do the app today. Now .. I walked out disappointed. I was ready to roll and take the hp and everything. The banker almost talked me out of it. She said go for slate, but I have no use for that card. Damn! I feel awkward to go again tomorrow and ask for the app. No idea why I have this feeling!

Why don't you do it online? Is there something on your report that you are worried about? If you really want it, go for it. Lets wrap this baby up.

Re: Time to app. Amex or CSP? Help!

Anonymous — Tue, 24 Feb 2015 03:23:22 GMT

Don't listen to that banker lady. If you don't need the slate, then don't get it. I would hate to tell you to app for the CSP and you not get it. But, your profile looks like you have a shot.