topic Re: Chase CSR in Credit Cards

Chase CSR

Anonymous — Tue, 08 Nov 2016 21:49:48 GMT

Hello all,

I am still itching to try to pick up a CSR... However, I will not be under 5/25 for another 12 months... Right now I am at 8/24. I have had the CSP for 1 year now. I am trying not to PC.

How long do we expect the 100k bonus to last? I have not tried in the branch yet, and have not submited an application online. Im still just waiting... The problem is, I have three apps that will drop off in 1 year within 2 days of each other. How long would you wait to apply? Should I wait a couple more months and try in branch? Or should I just PC?

Background... AAOC 1 year 1 month Equifax 12 HP, Transunion 5 HP. Scores over 700 and under 10% UTI. (taking advantage of a couple 0% 21 month offers.) 100% payment history. 0 baddies. Income over 125k

Thanks.

Re: Chase CSR

ScoreOrBeScored — Tue, 08 Nov 2016 22:52:45 GMT

your Chase exposure is pretty high .... I would go in branch to check for pre approval. What's stopping you from checking ?

Thats the only advice really you can be can be given as your 8/24 & want the 100k sign up.

Re: Chase CSR

lg8302ch — Tue, 08 Nov 2016 23:05:01 GMT

From what I have been reading the only way to get around the 5/24 is with a pre-approval. The info I have been searching for myself was like a couple of months old so not sure if that still works with branch pre-approval. I did not have this option to go into a Chase branch and also no offers so I cold apped with 5/24 and figured what the heck.. I will just waste 2 inquires and then I know at least that it will be no way around and I will have to wait. To my surprise it worked out but I had 0 inquiries on EQ and only 1 on EX when I applied and that is what Chase pulled for me. No new accounts and new inq since January 16 and exactly at 5/24. Not sure how many were successful with cold apping and being over 5/24?

Re: Chase CSR

Anonymous — Tue, 08 Nov 2016 23:05:29 GMT

Mostly just my exposure. I use to have 30k (down to 8) in savings with them. I lost my job for a few months and now I am contracting... So I dont want to draw any more attention than I have too for a few more months. I just really dont want to miss out on the 100k. I plan on dropping the CSP and would drop the United Club if nessissary...But not if I dont have to.

Re: Chase CSR

lg8302ch — Tue, 08 Nov 2016 23:19:42 GMT

@Anonymous wrote:
Mostly just my exposure. I use to have 30k (down to 8) in savings with them. I lost my job for a few months and now I am contracting... So I dont want to draw any more attention than I have too for a few more months. I just really dont want to miss out on the 100k. I plan on dropping the CSP and would drop the United Club if nessissary...But not if I dont have to.

I would probably wait and hope the 100K will not go away or if gone wait for a promo to come back. If it should go away then I could imagine promos to come back. Refrain from apping for anything else and let the accounts come down to below 5/24 and then go for it. As for the exposure I was surprised that I did not have to cut down on any of my other Chase cards to get approved. Chase now has the highest exposure and is like 60% of my annual income. Now I need to behave

Re: Chase CSR

mongstradamus — Wed, 09 Nov 2016 01:51:14 GMT

Offer is tempting i am finally below the 5/24 as of Oct 2016. I am tempted but would feel more comfortable with a guarantee if I app that i will get it lol. Right now i am not gettign any pre approved offers so i can wait till another few fall off at the end of the year .

Re: Chase CSR

Anonymous — Wed, 09 Nov 2016 02:13:22 GMT

Don't worry. My exposure is almost 90%. You are far from it.

but....since you are over 5/24 and I assume you are not CPC. I think you should just hold off. Or you can go find a CPC banker and see if you are pre approved.

Re: Chase CSR

sillykitty1 — Wed, 09 Nov 2016 04:27:31 GMT

@mongstradamus wrote:
Offer is tempting i am finally below the 5/24 as of Oct 2016. I am tempted but would feel more comfortable with a guarantee if I app that i will get it lol. Right now i am not gettign any pre approved offers so i can wait till another few fall off at the end of the year .

Similar stats, no preapproval, I was under 5/24 in October as well. I applied 11/1, and approved w a $30K SL. I think you're good to go.

Re: Chase CSR

bourgogne — Wed, 09 Nov 2016 07:27:35 GMT

This is what the view looks like if you don't wait lol. god this election had me do some nutty things. I was @ 5/24 and the card came in with a much lower sl than I was expecting + @ 16.24%. mayeb no surprise, just got a $62K car loan 2 weeks ago and my scores are trashed because of euro travel. was walking by a chase and the rest is history...you only live once

Re: Chase CSR

mongstradamus — Wed, 09 Nov 2016 06:54:43 GMT

i haven't updated my scores in a while but if amex fico score is to be believed i am just a bit north of 800 , I will think it over tonight. Seems like same app but not sure i also have to think about how i want to use those UR :-)

Re: Chase CSR

lg8302ch — Wed, 09 Nov 2016 07:33:13 GMT

@mongstradamus wrote:
Offer is tempting i am finally below the 5/24 as of Oct 2016. I am tempted but would feel more comfortable with a guarantee if I app that i will get it lol. Right now i am not gettign any pre approved offers so i can wait till another few fall off at the end of the year .

I am sure you will get it without any offers from Chase. Did you ever get any offers from Chase? If I had to wait for an offer I would not have a single Chase card as there is never anything for me. If you go for it now you can collect the 300$ twice as it is per calender year. Go for it and good luck!

Re: Chase CSR

elim — Wed, 09 Nov 2016 07:41:38 GMT

If your trip to a branch fails, Pay your $95 AF on CSP, PC it to CSR (you will not be billed the $450 AF until the card's next BD), when you are 5/24 PC the CSR to FU and cold app for CSR (and claim the bonus at that time).

Re: Chase CSR

lg8302ch — Wed, 09 Nov 2016 08:19:05 GMT

@elim wrote:
If your trip to a branch fails, Pay your $95 AF on CSP, PC it to CSR (you will not be billed the $450 AF until the card's next BD), when you are 5/24 PC the CSR to FU and cold app for CSR (and claim the bonus at that time).

Rather cold app now because I do not think you will get the 100K bonus if you had the card within the last 2 years ?

Re: Chase CSR

mongstradamus — Wed, 09 Nov 2016 15:27:44 GMT

On Chases pre qualifed page i get CSP and Slate only. I had csp before but no longer have that card. Let me do some more thinking about it , 450 is still a pretty steep af lol

Re: Chase CSR

Anonymous — Wed, 09 Nov 2016 18:11:33 GMT

Nothing shows up for me online as far as pre-qualified... I have a 10k check showing up the end of the month. Im going to wait until Dec 1st, put that entire check in my savings account, and try at that point.. But that will mean I will have my CSR, PLAT and CITI card all hitting annual fees the same month... December will be rough. lol

Re: Chase CSR

mongstradamus — Wed, 09 Nov 2016 18:36:40 GMT

Another thing i will have to think about is what to do with citi premeir if i get CSR. They have very similar categories.

I kind of wanted to spread out my spending to accrue all 3 types of points MR, UR, and TYP. The CSR would throw a wrench into those plans unfortunately.

Re: Chase CSR

Anonymous — Wed, 09 Nov 2016 20:50:23 GMT

Two ways: Check for pre approval in the branch of talk to your banker if your CPC. If not, it's almost a guarantee you'll be denied, regardless a $10K check deposit..

Re: Chase CSR

bourgogne — Wed, 09 Nov 2016 21:04:08 GMT

@Anonymous wrote:
Two ways: Check for pre approval in the branch of talk to your banker if your CPC. If not, it's almost a guarantee you'll be denied, regardless a $10K check deposit..
@agree. As an unsubstantiated data point I had my fu cut its 6th statement in 10/16, always pif and I used a different branch and that is when the offer appeared yesterday- offer did not appear prior to statement 6. fu was originally a freedom 6K @ 23.24% and yesterday’s csr was a 14K @ 16.24%.

Re: Chase CSR

CreditCuriosity — Wed, 09 Nov 2016 21:31:02 GMT

@mongstradamus wrote:
On Chases pre qualifed page i get CSP and Slate only. I had csp before but no longer have that card. Let me do some more thinking about it , 450 is still a pretty steep af lol

Chase doesn't have the CSR on the pre-qual on their site yet is reason. Just in branch.

Re: Chase CSR

mongstradamus — Wed, 09 Nov 2016 21:53:03 GMT

ahhh i see then maybe i should take a swing , i have to check my how my util is reporting on experian so i know for sure everything is lined up for best possible results :-)