topic Re: App time!! CSP in Credit Card Applications

App time!! CSP

Anonymous — Tue, 17 Nov 2015 00:34:57 GMT

Sooo I have honestly been trying to hold out for applying for this card until I do my HELOC app in the beginning of 2016 😩. But with the new 50k signup bonus, I don't want to miss this opportunity.

So from you guys, what do you think my approval odds will be

AAoA 2yrs 1mon
Total Credit UTI 39%
FAKO scores 707
4 accounts opened in last 2 yrs.

In the past 2 months I have also recieved two(2) invites for this specific card. Please give me your honest opinion.

Re: App time!!

Anonymous — Tue, 17 Nov 2015 01:05:55 GMT

@Preetymoney wrote:
Sooo I have honestly been trying to hold out for applying for this card until I do my HELOC app in the beginning of 2016 😩. But with the new 50k signup bonus, I don't want to miss this opportunity.

So from you guys, what do you think my approval odds will be

AAoA 2yrs 1mon
Total Credit UTI 39%
FAKO scores 707
4 accounts opened in last 2 yrs.

In the past 2 months I have also recieved two(2) invites for this specific card. Please give me your honest opinion.

If your Fico scores (you really should get them) are close to the scores you listed, your chances are pretty good but your utilization is going to affect the limit you receive and possibly the overall approval. I'd really try to get that lower before you apply

Re: App time!! CSP

elim — Tue, 17 Nov 2015 00:56:43 GMT

I would pull my FICO scores... mine are VERY different. here's this weeks Vantage 3 and FICO 08 (they pull EX and my EX fico is 75 points lower)

Re: App time!! CSP

DeeBee78 — Tue, 17 Nov 2015 01:07:12 GMT

@Preetymoney wrote:
Sooo I have honestly been trying to hold out for applying for this card until I do my HELOC app in the beginning of 2016 😩. But with the new 50k signup bonus, I don't want to miss this opportunity.

So from you guys, what do you think my approval odds will be

AAoA 2yrs 1mon
Total Credit UTI 39%
FAKO scores 707
4 accounts opened in last 2 yrs.

In the past 2 months I have also recieved two(2) invites for this specific card. Please give me your honest opinion.

Is there a rush to signup for this? I don't think this is a temporary signup bonus. Everything I'm reading seems to indicate that this is the new permament signup bonus.

I know it's not the same card, but when the Freedom got a $200 bonus earlier this year, it was very clear that it was only for a limited time. This time, with the $150 bonus, there's no such verbiage.

Re: App time!! CSP

elim — Tue, 17 Nov 2015 01:17:35 GMT

may as well check the pre-qual and jump on it. atleast 5k

Re: App time!! CSP

Anonymous — Tue, 17 Nov 2015 01:31:53 GMT

Check their prequal site. If it comes up, go for it, but personally I would wait until your utilization goes down and then apply.

Re: App time!! CSP

kdm31091 — Tue, 17 Nov 2015 01:41:53 GMT

Id get the utilization down before applying.

Re: App time!! CSP

Anonymous — Tue, 17 Nov 2015 02:06:30 GMT

Another vote to check the PreQual. Seems to be pretty good (at least it was in my case....) Good luck!

Re: App time!! CSP

Anonymous — Tue, 17 Nov 2015 02:15:02 GMT

Well I am already pre-qualified according to the site. I did try to check my scores through myFICO but its not allowing me to get the information. Has anyone else experienced this when they did their first sign up?

Re: App time!!

Anonymous — Tue, 17 Nov 2015 02:36:34 GMT

@Anonymous wrote:
@Preetymoney wrote:
Sooo I have honestly been trying to hold out for applying for this card until I do my HELOC app in the beginning of 2016 😩. But with the new 50k signup bonus, I don't want to miss this opportunity.

So from you guys, what do you think my approval odds will be

AAoA 2yrs 1mon
Total Credit UTI 39%
FAKO scores 707
4 accounts opened in last 2 yrs.

In the past 2 months I have also recieved two(2) invites for this specific card. Please give me your honest opinion.
If your Fico scores (you really should get them) are close to the scores you listed, your chances are pretty good but your utilization is going to affect the limit you receive and possibly the overall approval. I'd really try to get that lower before you apply

Okay I just checked the Experian website and according to them I am actually at 718 according to FICO 8. Do you all think I should proceed? and I have checked the pre-qual site and it says that I am.

Re: App time!! CSP

Anonymous — Tue, 17 Nov 2015 04:24:31 GMT

You're good. go for it!

Re: App time!! CSP

Anonymous — Tue, 17 Nov 2015 05:15:45 GMT

@Anonymous wrote:
You're good. go for it!

lol i actually got it Instant approval for 6.4k. Im going to try to call tomorrow to see if I can get the SL increased. Crossing my fingers

Re: App time!! CSP

NRB525 — Tue, 17 Nov 2015 05:20:47 GMT

Congratulations!

Re: App time!! CSP

Anonymous — Tue, 17 Nov 2015 05:21:34 GMT

Yes, congrats!!

Re: App time!! CSP

Anonymous — Tue, 17 Nov 2015 07:27:13 GMT

Yay!! Congrats!

Re: App time!! CSP

Anonymous — Fri, 20 Nov 2015 04:08:16 GMT

@Preetymoney wrote:
@Anonymous wrote:
You're good. go for it!
lol i actually got it Instant approval for 6.4k. Im going to try to call tomorrow to see if I can get the SL increased. Crossing my fingers

Nice, congrats

Re: App time!! CSP

Imperfectfuture — Fri, 20 Nov 2015 08:52:41 GMT

Another congrats.

Re: App time!! CSP

Pway — Fri, 20 Nov 2015 09:06:38 GMT

Congrats

Re: App time!! CSP

Anonymous — Fri, 20 Nov 2015 11:29:06 GMT

Woohoo congrats!!

Re: App time!! CSP

OmarGB9 — Fri, 20 Nov 2015 17:13:01 GMT

Grats on the approval, but keep in mind if you ask for a higher limit they'll do another HP on you.