topic Re: Chase CSR/CSP Approval Odds in Credit Cards

Chase CSR/CSP Approval Odds

NYFan63 — Fri, 02 Dec 2016 17:16:16 GMT

I have been wanting to app for either the Chase CSR or CSP in the last few weeks as I habe seen some people get approved with scores close to mine. However, I have a BK7 where I burned Chase. The BK7 was Dc'd in Jan 2010. With the following scores:

EQ 707

TU 717

EX 721

Does anyone think I can get approved? My income is mid $100k and Util % 13%. INQ's mostly for a mortgage refi in 2016.

Thoughts?

Re: Chase CSR/CSP Approval Odds

newhis — Fri, 02 Dec 2016 17:19:24 GMT

Have you tried the pre qual?

I have read that people that are not eligible for a Chase card will not get a HP if they app. Good luck.

Re: Chase CSR/CSP Approval Odds

NYFan63 — Fri, 02 Dec 2016 17:28:34 GMT

@newhis wrote:
Have you tried the pre qual?

I have read that people that are not eligible for a Chase card will not get a HP if they app. Good luck.

I have tried and it does indicate that I am not eligible. Hmm...maybe I will have to app!

Thanks for the response!

Re: Chase CSR/CSP Approval Odds

Cstl05 — Fri, 02 Dec 2016 17:47:21 GMT

I would give it a shot, I had the same EXP as you and was approved for CSP and CSR

Re: Chase CSR/CSP Approval Odds

NYFan63 — Fri, 02 Dec 2016 17:55:51 GMT

@Cstl05 wrote:
I would give it a shot, I had the same EXP as you and was approved for CSP and CSR

Cool! I saw that Cstl05 - congrats!

Re: Chase CSR/CSP Approval Odds

Anonymous — Fri, 02 Dec 2016 17:57:44 GMT

Have you tried to see if you prequal in branch?

Re: Chase CSR/CSP Approval Odds

newhis — Fri, 02 Dec 2016 18:03:23 GMT

Sorry, I forget to ask, are you under the 5/24 rule?

Chase will not approve your app if:

a) you are not eligible

b) you opened 5 cards in the last 24 months

As I said, there are reports that you don't get HP if a)

If you are in b) you may get a branch pre-qual and get the card even if you opened 5 cards or more in the last 24 months.

Re: Chase CSR/CSP Approval Odds

NYFan63 — Fri, 02 Dec 2016 18:17:14 GMT

@newhis wrote:
Sorry, I forget to ask, are you under the 5/24 rule?

Chase will not approve your app if:
a) you are not eligible
b) you opened 5 cards in the last 24 months

As I said, there are reports that you don't get HP if a)
If you are in b) you may get a branch pre-qual and get the card even if you opened 5 cards or more in the last 24 months.

There are no Chase banks close to where I live but there are some close to where I work. However, I do not have any accounts with Chase.

Re: Chase CSR/CSP Approval Odds

NYFan63 — Fri, 02 Dec 2016 18:17:51 GMT

Yes i am under the 5/24 rule.

Re: Chase CSR/CSP Approval Odds

NYFan63 — Fri, 02 Dec 2016 18:21:46 GMT

@NYFan63 wrote:
@newhis wrote:
Sorry, I forget to ask, are you under the 5/24 rule?

Chase will not approve your app if:
a) you are not eligible
b) you opened 5 cards in the last 24 months

As I said, there are reports that you don't get HP if a)
If you are in b) you may get a branch pre-qual and get the card even if you opened 5 cards or more in the last 24 months.
There are no Chase banks close to where I live but there are some close to where I work. However, I do not have any accounts with Chase.

I just realized there is a Chae bank a few miles away from where I live on a road I really dont travel much...err...never realized it was there is more like it...

Re: Chase CSR/CSP Approval Odds

Anonymous — Fri, 02 Dec 2016 18:47:49 GMT

When I app'd for mine: the CSR did not show up on prequal webpage for Chase, but it did show up in-branch. Have no idea why it was different!

Re: Chase CSR/CSP Approval Odds

Scupra — Fri, 02 Dec 2016 19:02:41 GMT

@newhis wrote:
Have you tried the pre qual?

I have read that people that are not eligible for a Chase card will not get a HP if they app. Good luck.

What do you mean?

Re: Chase CSR/CSP Approval Odds

Anonymous — Fri, 02 Dec 2016 19:04:45 GMT

I think u will get approved id go for the csr ur other cards will def help you get a decent limit and income util is just fine. I'd reckon 15-20k approval if I had to guess.

Re: Chase CSR/CSP Approval Odds

newhis — Fri, 02 Dec 2016 19:14:05 GMT

@Scupra wrote:
@newhis wrote:
Have you tried the pre qual?

I have read that people that are not eligible for a Chase card will not get a HP if they app. Good luck.
What do you mean?

I've read a few post from people that say they are blacklisted, they burned Chase in the past.

They try to get back with Chase, app for a card, get a denial letter saying something about the past with Chase and they don't get a HP for the app.

Maybe I'm wrong, but I think one person did get the HP but the letter basically said he wasn't eligible, called them and was able to remove the HP.

Re: Chase CSR/CSP Approval Odds

NYFan63 — Fri, 02 Dec 2016 19:21:20 GMT

@Anonymous wrote:
I think u will get approved id go for the csr ur other cards will def help you get a decent limit and income util is just fine. I'd reckon 15-20k approval if I had to guess.

WOW! Thanks! I would love that SL! IF I do app, I will certainly report back...

Re: Chase CSR/CSP Approval Odds

Involver — Fri, 02 Dec 2016 20:11:07 GMT

@newhis wrote:
Sorry, I forget to ask, are you under the 5/24 rule?

Chase will not approve your app if:
a) you are not eligible
b) you opened 5 cards in the last 24 months

As I said, there are reports that you don't get HP if a)
If you are in b) you may get a branch pre-qual and get the card even if you opened 5 cards or more in the last 24 months.

I was approved at 5/24 with an online cold app, so YMMW.

Re: Chase CSR/CSP Approval Odds

Scupra — Fri, 02 Dec 2016 21:53:34 GMT

@newhis wrote:
@Scupra wrote:
@newhis wrote:
Have you tried the pre qual?

I have read that people that are not eligible for a Chase card will not get a HP if they app. Good luck.
What do you mean?
I've read a few post from people that say they are blacklisted, they burned Chase in the past.
They try to get back with Chase, app for a card, get a denial letter saying something about the past with Chase and they don't get a HP for the app.

Maybe I'm wrong, but I think one person did get the HP but the letter basically said he wasn't eligible, called them and was able to remove the HP.

Haha, now I get it.. Sorry I was confused a tad "not eligible for a Chase card will not get a HP if they app" reads a little funny for me and don't want people apping and thinking if they arent approved there is no HP.

Re: Chase CSR/CSP Approval Odds

newhis — Fri, 02 Dec 2016 22:36:46 GMT

@Scupra wrote:
Haha, now I get it.. Sorry I was confused a tad "not eligible for a Chase card will not get a HP if they app" reads a little funny for me and don't want people apping and thinking if they arent approved there is no HP.

Thank you to notice is not clear. We write different in Spanish, much like how Yoda talks, I guess many times people do not understand what I'm trying to say. Sorry for that.

Re: Chase CSR/CSP Approval Odds

darwin_wins — Sat, 03 Dec 2016 00:00:44 GMT

No reason to be sorry. We all make mistakes. If something is too unclear people usually ask for more details

Re: Chase CSR/CSP Approval Odds

Scupra — Mon, 05 Dec 2016 19:41:31 GMT

@newhis wrote:
@Scupra wrote:
Haha, now I get it.. Sorry I was confused a tad "not eligible for a Chase card will not get a HP if they app" reads a little funny for me and don't want people apping and thinking if they arent approved there is no HP.
Thank you to notice is not clear. We write different in Spanish, much like how Yoda talks, I guess many times people do not understand what I'm trying to say. Sorry for that.

Absolutely nothing to be sorry for at all