topic Re: CSP... the pain.. in Credit Card Applications

CSP... the pain..

Anonymous — Tue, 14 Apr 2015 01:06:09 GMT

THis card has been tugging on my heart for the longest time... possibly because of the metal core. Most likely because of the whole metal thing. Anyway, the timing is just not right so I figured I would post about the app that isn't. As much as I, by 'I', I actually mean DW, would like to just visit chase's site and pull the trigger it just doesn't make sense. With our recent CC overhaul, we have basically amassed some good ones, that will also bring about some AFs at about the same time after the introductory periods elapse. I just don't want to add another $95 to that pile.(should have resisted the BBVA NBA card) Oh well, maybe in about 6 months it will make sense.

Has anyone had any luck getting AF fee waived with any lenders? If so, what did you have to say? Thx

Re: CSP... the pain..

Anonymous — Tue, 14 Apr 2015 01:08:34 GMT

I think the AF is waived for the first year

Re: CSP... the pain..

Anonymous — Tue, 14 Apr 2015 01:12:19 GMT

Azurmen wrote:

I think the AF is waived for the first year

You're absolutely right. What I mean to say was that the fee is also waived for all the ones we have too. Then after 12 months BOOM... AFs all at once! I'd like to stagger them (thats that hindsight 20/20 talking now). 😑

Re: CSP... the pain..

Anonymous — Tue, 14 Apr 2015 01:25:03 GMT

oh yeah like i got hit with my Amex Plat and my Amex delta skymiles instant 900 AFs

Re: CSP... the pain..

SecretAzure — Tue, 14 Apr 2015 01:43:37 GMT

@Anonymous wrote:
@Anonymous wrote:
I think the AF is waived for the first year
You're absolutely right. What I mean to say was that the fee is also waived for all the ones we have too. Then after 12 months BOOM... AFs all at once! I'd like to stagger them (thats that hindsight 20/20 talking now). 😑

I thought I read somewhere you could call and get them to change your billing date. Maybe you can do this over-and-over until the AF is on a completely different date? LOL. I somehow doubt something like this could work though...

Re: CSP... the pain..

FinStar — Tue, 14 Apr 2015 02:26:43 GMT

@SecretAzure wrote:
@Anonymous wrote:
@Anonymous wrote:
I think the AF is waived for the first year
You're absolutely right. What I mean to say was that the fee is also waived for all the ones we have too. Then after 12 months BOOM... AFs all at once! I'd like to stagger them (thats that hindsight 20/20 talking now). 😑
I thought I read somewhere you could call and get them to change your billing date. Maybe you can do this over-and-over until the AF is on a completely different date? LOL. I somehow doubt something like this could work though...

Unfortunately, that plan may not work (if trying to lengthen the AF billing) because the AF is billed on the anniversary date for most CCs - unless you downgrade at some point but then it will still be prorated.

Re: CSP... the pain..

FocusedAndDetermined — Tue, 14 Apr 2015 02:33:05 GMT

@Anonymous wrote:
oh yeah like i got hit with my Amex Plat and my Amex delta skymiles instant 900 AFs

OUCH!!

I hope you get great use out of each of them.

Re: CSP... the pain..

Anonymous — Tue, 14 Apr 2015 02:34:49 GMT

@FocusedAndDetermined wrote:
@Anonymous wrote:
oh yeah like i got hit with my Amex Plat and my Amex delta skymiles instant 900 AFs
OUCH!!

I hope you get great use out of each of them.

+1 👆🏿 thats brutal right there!

Re: CSP... the pain..

SecretAzure — Tue, 14 Apr 2015 02:42:32 GMT

@FinStar wrote:
@SecretAzure wrote:
@Anonymous wrote:
@Anonymous wrote:
I think the AF is waived for the first year
You're absolutely right. What I mean to say was that the fee is also waived for all the ones we have too. Then after 12 months BOOM... AFs all at once! I'd like to stagger them (thats that hindsight 20/20 talking now). 😑
I thought I read somewhere you could call and get them to change your billing date. Maybe you can do this over-and-over until the AF is on a completely different date? LOL. I somehow doubt something like this could work though...
Unfortunately, that plan may not work (if trying to lengthen the AF billing) because the AF is billed on the anniversary date for most CCs - unless you downgrade at some point but then it will still be prorated.

Lol this is sad. Sorry it can't work.

Re: CSP... the pain..

elim — Tue, 14 Apr 2015 02:44:32 GMT

the bonus UR's can be worth (simply) $1,000 ($2500 if transferred and planned right) in travel

i just saved $150 on a car rental (insurance waiver) as another example.

if you travel then the little AF for a few years is more of an investment (with a real nice return).

tack on freedom revolving (if the categories work with your spend) and it makes it even better.

i'm not trying to sell the card, just sharing my experience

Re: CSP... the pain..

Anonymous — Tue, 14 Apr 2015 02:54:34 GMT

@elim wrote:
the bonus UR's can be worth (simply) $1,000 ($2500 if transferred and planned right) in travel

i just saved $150 on a car rental (insurance waiver) as another example.

if you travel then the little AF for a few years is more of an investment (with a real nice return).

tack on freedom revolving (if the categories work with your spend) and it makes it even better.

i'm not trying to sell the card, just sharing my experience

and thats exactly why I should wait. Thanks.

DW and I are currently working on some sign up bonuses:

AMEX ED, BCE, PRG. Freedom. Venture. Citi HHonors... I wouldn't want to not hit the bonus.

Re: CSP... the pain..

ddemari — Wed, 15 Apr 2015 00:29:47 GMT

Good call op. I cant even admit out loud yet what my annual fee's will be in 2016. Trying mu best not to take on anymore $$$ cards. Unlesss i neeeeeeed it lol

Re: CSP... the pain..

ddemari — Wed, 15 Apr 2015 00:30:46 GMT

And meeting a combined 9k spend in 3 months is a lot of organized pressure lol

Re: CSP... the pain..

CraigHwk — Wed, 15 Apr 2015 02:22:50 GMT

I feel ya. It's the last card I want for the foreseeable future. I applied Saturday even without a Pre-Qual. Got the "App will be reviewed" message, tried to recon, told to FAX in a copy of my drivers license, so now I wait.

Good luck getting it!

Re: CSP... the pain..

Anonymous — Wed, 15 Apr 2015 02:29:58 GMT

against all of the sound logic cited above (some of which was spewed from my own brain and keyboard), we applied this evening. "Application will be reviewed... 7 days blah blah blah"

Maybe we'll call tomorrow, maybe we won't. the CSP struggle is real

Re: CSP... the pain..

CraigHwk — Wed, 15 Apr 2015 02:34:37 GMT

Definitely call to recon. They just might need to verify some of your information and then you might get approved on the spot.

Re: CSP... the pain..

Santi78342 — Wed, 15 Apr 2015 04:10:17 GMT

I'm itching to app for this card as well. I am hesitant to app though since i use to be pre approved but now I'm not. Must be because of US Airways, Venture & AARP hitting my reports recently.

The struggle is real.

I should probably wait until AARP is 6 months old.

Re: CSP... the pain..

Anonymous — Wed, 15 Apr 2015 16:43:14 GMT

Thank you Chase for the CSP love... $5k we'll take that! ...and that AF

Re: CSP... the pain..

Anonymous — Wed, 15 Apr 2015 16:44:50 GMT

@elim wrote:
the bonus UR's can be worth (simply) $1,000 ($2500 if transferred and planned right) in travel

i just saved $150 on a car rental (insurance waiver) as another example.

if you travel then the little AF for a few years is more of an investment (with a real nice return).

tack on freedom revolving (if the categories work with your spend) and it makes it even better.

i'm not trying to sell the card, just sharing my experience

Now that I'm in, please educate me oh wise one 🙏🏿

Re: CSP... the pain..

SecretAzure — Wed, 15 Apr 2015 22:20:54 GMT

@Anonymous wrote:
@elim wrote:
the bonus UR's can be worth (simply) $1,000 ($2500 if transferred and planned right) in travel

i just saved $150 on a car rental (insurance waiver) as another example.

if you travel then the little AF for a few years is more of an investment (with a real nice return).

tack on freedom revolving (if the categories work with your spend) and it makes it even better.

i'm not trying to sell the card, just sharing my experience
Now that I'm in, please educate me oh wise one 🙏🏿

Just do exactly as this man says. Especially with the Freedom parts. Freedom has great revolving categories most of which most everyone finds useful (or at least 3/4 of them). I, for example, find no use in Amazon 5% but find a lot of use in every other (major) category. Groceries, dining, gas...these are huge categories to get 5% back on.