topic Re: CSP in Credit Card Applications

CSP

Anonymous — Sat, 18 Jul 2015 00:43:44 GMT

Long story short:

Friday night. A little tipsy. Stepped out of the garden and applied for CSP. Got a 2 week message. Good or bad?

Re: CSP

Anonymous — Sat, 18 Jul 2015 01:19:07 GMT

Give the backdoor number a call and see what's up! May just be verification...thats what mine was yesterday.

Re: CSP

Anonymous — Sat, 18 Jul 2015 01:26:18 GMT

@Anonymous wrote:
Long story short:

Friday night. A little tipsy. Stepped out of the garden and applied for CSP. Got a 2 week message. Good or bad?

Definately call and see what is up. The 2 week message can mean anything with Chase lately... Let us know results once you ring them.

Re: CSP

Anonymous — Sat, 18 Jul 2015 01:29:57 GMT

I'm going to give it a few days. Still tipsy and I hate making phone calls. If they want more info, they know how to reach me.

Re: CSP

Anonymous — Sat, 18 Jul 2015 01:37:02 GMT

@Anonymous wrote:
I'm going to give it a few days. Still tipsy and I hate making phone calls. If they want more info, they know how to reach me.

Fair enough.... No more drinks for you tonight.. Keep us posted on results.

Re: CSP

Anonymous — Sat, 18 Jul 2015 01:38:46 GMT

@Anonymous wrote:
@Anonymous wrote:
I'm going to give it a few days. Still tipsy and I hate making phone calls. If they want more info, they know how to reach me.
Fair enough.... No more drinks for you tonight.. Keep us posted on results.

Will do.

Re: CSP

Anonymous — Sat, 18 Jul 2015 01:53:08 GMT

A drink sounds tasty about now.

Re: CSP

Anonymous — Sat, 18 Jul 2015 01:53:28 GMT

Anyone ever call the automated app status line and get a denial message? Or will the 2 week message keep playing until I get a denial letter?

Re: CSP

Anonymous — Sat, 18 Jul 2015 02:00:03 GMT

@Anonymous wrote:
Anyone ever call the automated app status line and get a denial message? Or will the 2 week message keep playing until I get a denial letter?

The 2 week message will keep playing until approved. If the app. gets approved tomorrow and you call, the message will change and let you know. If denied, you will get the 2 week message for 30 days even if the letter comes in the mail.

Re: CSP

Anonymous — Sat, 18 Jul 2015 02:00:42 GMT

@Anonymous wrote:
@Anonymous wrote:
Anyone ever call the automated app status line and get a denial message? Or will the 2 week message keep playing until I get a denial letter?
The 2 week message will keep playing until approved. If the app. gets approved tomorrow and you call, the message will change and let you know.

And what happens if denied? Same? Are you just being positive? lol

Re: CSP

Anonymous — Sat, 18 Jul 2015 02:08:33 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Anyone ever call the automated app status line and get a denial message? Or will the 2 week message keep playing until I get a denial letter?
The 2 week message will keep playing until approved. If the app. gets approved tomorrow and you call, the message will change and let you know.
And what happens if denied? Same? Are you just being positive? lol

I see you posted before I edited. And no, I am not just being positive as I worked in banking a few years back.. If denied, the 2 week message will play for 30 days. (A reminder for an applicant to be able to recon within that time frame). If after the 30 days pass and you are still denied, when you call the automated machine will tell you they are unable to locate your application meaning it has been closed.

Re: CSP

Anonymous — Sat, 18 Jul 2015 02:10:15 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Anyone ever call the automated app status line and get a denial message? Or will the 2 week message keep playing until I get a denial letter?
The 2 week message will keep playing until approved. If the app. gets approved tomorrow and you call, the message will change and let you know.
And what happens if denied? Same? Are you just being positive? lol
I see you posted before I edited. And no, I am not just being positive as I worked in banking a few years back.. If denied, the 2 week message will play for 30 days. (A reminder for an applicant to be able to recon within that time frame). If after the 30 days pass and you are still denied, when you call the automated machine will tell you they are unable to locate your application meaning it has been closed.

Ok, thanks

Re: CSP

Anonymous — Sat, 18 Jul 2015 02:18:47 GMT

I just went through this with a Marriot business card app. After two weeks of getting that message I called an underwriter and answered many questions that they had before it was finally approved by a senior underwriter. If I hadn't called I think it would have been denied.

Re: CSP

Anonymous — Sat, 18 Jul 2015 02:34:37 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Anyone ever call the automated app status line and get a denial message? Or will the 2 week message keep playing until I get a denial letter?
The 2 week message will keep playing until approved. If the app. gets approved tomorrow and you call, the message will change and let you know.
And what happens if denied? Same? Are you just being positive? lol
I see you posted before I edited. And no, I am not just being positive as I worked in banking a few years back.. If denied, the 2 week message will play for 30 days. (A reminder for an applicant to be able to recon within that time frame). If after the 30 days pass and you are still denied, when you call the automated machine will tell you they are unable to locate your application meaning it has been closed.
Ok, thanks

You are welcome!! Will keep fingers crossed for you.

Re: CSP

Anonymous — Sat, 18 Jul 2015 02:44:40 GMT

I think it's probably a denial though. Came across a thread that showed source code for the application page. Apparently it says minimum income of $14,400. Mine is sub 13k. Not sure how set in stone that minimum is.

Re: CSP

Anonymous — Sat, 18 Jul 2015 02:47:20 GMT

@Anonymous wrote:
I think it's probably a denial though. Came across a thread that showed source code for the application page. Apparently it says minimum income of $14,400. Mine is sub 13k. Not sure how set in stone that minimum is.

If your income is 13k, then the outcome wil lnot be what you are hoping for.

Re: CSP

Anonymous — Sat, 18 Jul 2015 02:49:47 GMT

@Anonymous wrote:
@Anonymous wrote:
I think it's probably a denial though. Came across a thread that showed source code for the application page. Apparently it says minimum income of $14,400. Mine is sub 13k. Not sure how set in stone that minimum is.
If your income is 13k, then the outcome wil lnot be what you are hoping for.

Oh well...til next time.

Re: CSP

Anonymous — Sat, 18 Jul 2015 02:54:24 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I think it's probably a denial though. Came across a thread that showed source code for the application page. Apparently it says minimum income of $14,400. Mine is sub 13k. Not sure how set in stone that minimum is.
If your income is 13k, then the outcome wil lnot be what you are hoping for.
Oh well...til next time.

Just wait it out. The CSP starting limit is 5k. So they are going to weigh your credit limit and usage to decide. So strong chance of denial but life is full of surprises and you never know.

Re: CSP

Anonymous — Sat, 18 Jul 2015 02:59:53 GMT

As I just wrote in an approval thread, Chase is weird! I forgot about my application and was sure I had been denied since I had burned Chase in my Chapter 13. Then today, out of the blue, a verification phone call. "Congratulations, you've been approved." I was shocked. You just never know. As others have said, just wait it out...

Re: CSP

Anonymous — Sat, 18 Jul 2015 03:00:45 GMT

Ok Ok......fingers crossed