topic Re: CSP Approval odds in Credit Card Applications

CSP Approval odds

BLAIX — Wed, 10 Jun 2015 16:18:36 GMT

So the only other card I've had my eye on is CSP - chase extended me Auto CLI of 1k a month ago, so I figured this is a good sign but I do have ~5 new accounts open since October. I've been hearing Chase is INQ/AAoA fearing lately and I don't have any Chase Pre-Quals since I opened the Freedom in October. I've also read if you got a sign up bonus (Freedom) you arent eligible for another bonus for 2years? Would this only apply to another Freedom bonus or would I not be eligible for CSP bonus?

Re: CSP Approval odds

Anonymous — Wed, 10 Jun 2015 16:21:59 GMT

@BLAIX wrote:
So the only other card I've had my eye on is CSP - chase extended me Auto CLI of 1k a month ago, so I figured this is a good sign but I do have ~5 new accounts open since October. I've been hearing Chase is INQ/AAoA fearing lately and I don't have any Chase Pre-Quals since I opened the Freedom in October. I've also read if you got a sign up bonus (Freedom) you arent eligible for another bonus for 2years? Would this only apply to another Freedom bonus or would I not be eligible for CSP bonus?

The 24 month rule applies to bonuses that you have received on that specific card so you're eligible for a CSP bonus now.

Re: CSP Approval odds

BLAIX — Wed, 10 Jun 2015 17:17:23 GMT

Thanks for clearing that up. My util overall is ~1%, my scores are looking pretty good at FAKO 750 give or take across the three bureaus and like I said, Chase gave me some auto-luv a few weeks back which was surprising. I'm just worried about taking a hard INQ when I keep seeing people state that Chase is unhappy with new accounts being opened. I'd love to get CSP since my DH and I are moving out of state so both of our families would be a flight away so we will be doing a lot more flying than we do now.

Re: CSP Approval odds

Anonymous — Wed, 10 Jun 2015 19:59:53 GMT

@BLAIX wrote:
Thanks for clearing that up. My util overall is ~1%, my scores are looking pretty good at FAKO 750 give or take across the three bureaus and like I said, Chase gave me some auto-luv a few weeks back which was surprising. I'm just worried about taking a hard INQ when I keep seeing people state that Chase is unhappy with new accounts being opened. I'd love to get CSP since my DH and I are moving out of state so both of our families would be a flight away so we will be doing a lot more flying than we do now.

Are you pre-qualified on their site? If you are then it will be a solid offer..

Re: CSP Approval odds

BLAIX — Wed, 10 Jun 2015 20:40:04 GMT

No I don't have any pre-quals. I'm not sure if it's because I signed up for Freedom in October or what but nothing is showing

Re: CSP Approval odds

Anonymous — Wed, 10 Jun 2015 21:00:51 GMT

Did you app yet?

Re: CSP Approval odds

Anonymous — Wed, 10 Jun 2015 21:05:46 GMT

I app'd a couple days ago. Got the 7-10 day message and blah, blah. Also an email. Getting ready to call them. I have many new accounts but all are pif and used regularly. And I never got a pre qual on their site. But did get pop Sapphire's everywhere until it drove me crazy! It was #1 on my list.

Re: CSP Approval odds

Anonymous — Wed, 10 Jun 2015 22:22:49 GMT

Re: CSP Approval odds

Anonymous — Thu, 11 Jun 2015 04:18:09 GMT

good luck. can you post your scores, etc. if you have them?

Re: CSP Approval odds

Anonymous — Thu, 11 Jun 2015 04:18:58 GMT

it's getting harder not to app haha.

Re: CSP Approval odds

BLAIX — Thu, 11 Jun 2015 13:40:13 GMT

@Anonymous wrote:
good luck. can you post your scores, etc. if you have them?

I only have my FAKOs in my Siggy but DiscoverIT says my FICO is 715 as of 05/20/15. I want to app when we put our 30-day move notice so I know I will meet the spend requirements with all the moving charges.

Re: CSP Approval odds

Anonymous — Fri, 12 Jun 2015 00:03:04 GMT

@BLAIX oh ok, sorry I was on my phone and couldn't see the siggy.

Re: CSP Approval odds

Anonymous — Fri, 12 Jun 2015 07:18:54 GMT

You don't get chase pre quality offers for about 3-4 months after getting one of their cards . You'll keep getting the "we're sorry there's no offers for you" message for a while .

Re: CSP Approval odds

BLAIX — Fri, 12 Jun 2015 18:24:04 GMT

Talking with DH this weekend about solidifying dates for the move and what not. We may be traveling to CO shortly to find a place and once that's set in stone I'm hoping to app and overnight CSP if approved. Too bad CSP doesn't consider gas 2:1! C'mon! It's a TRAVEL card!