topic Re: CSR App - Does Chase account help? in Credit Cards

CSR App - Does Chase account help?

Anonymous — Sun, 22 Apr 2018 20:57:41 GMT

Deciding whether or not to open a Chase checking/savings and park a few hundred dollars or so there.

Does it help during the app for a CSR?

Re: CSR App - Does Chase account help?

Anonymous — Sun, 22 Apr 2018 21:17:48 GMT

@Anonymous wrote:
Deciding whether or not to open a Chase checking/savings and park a few hundred dollars or so there.

Does it help during the app for a CSR?

Not really. Not enough money for them to take much notice and they'll base any decision on a CSR application on your credit file and not a newly opened account of a couple hundred dollars.

Re: CSR App - Does Chase account help?

Anonymous — Sun, 22 Apr 2018 21:28:11 GMT

Have you checked to see if you have any preapprovals from Chase?

The only thing opening checking/savings account with Chase helps with is that it allows you to sit down with a personal banker. I opened both checking and savings account but that was so I could get the new account bonuses ($200 checking; $150 savings) and to qualify for the bonuses you need to direct deposit at least $500 per month for three months and for savings you need to keep a balance of at least $10,000 for 90 days.

@Anonymous wrote:
Deciding whether or not to open a Chase checking/savings and park a few hundred dollars or so there.

Does it help during the app for a CSR?

Re: CSR App - Does Chase account help?

Anonymous — Sun, 22 Apr 2018 21:25:05 GMT

I don't have any other relationships with Chase because they don't exist in my region. It would be a three hour trek to the nearest one. I don't have any preapprovals from Chase due to my age

Re: CSR App - Does Chase account help?

Anonymous — Sun, 22 Apr 2018 21:26:00 GMT

Can't I sit down with a personal banker if I go to a branch and app for the CSR?

Does app-ing in branch vs. online make a difference for the CSR? 5/24 aside.

Re: CSR App - Does Chase account help?

Anonymous — Sun, 22 Apr 2018 21:34:22 GMT

>>I don't have any preapprovals from Chase due to my age<<

Are you saying you're younger than 21? How long have you had your Amex BCE?

If your scores are accurate and you already have a credit line of over $10K I don't see why you would be approved for one of the Sapphire products (assuming you're under 5/24).

Re: CSR App - Does Chase account help?

Anonymous — Sun, 22 Apr 2018 21:33:42 GMT

Opened AmEx BCE in Feb 2017, not a single bad/late/delinquent on my file.

AAoA is 1 year 6 months roughly though.... last opened was the BoA in april 2017. Haven't had any hard hits / new CC since.

Re: CSR App - Does Chase account help?

Anonymous — Sun, 22 Apr 2018 21:50:00 GMT

I just realized I responded to relatively similar questions in this thread: CSR odds please?

What has changed in the last month?

Re: CSR App - Does Chase account help?

Anonymous — Sun, 22 Apr 2018 23:44:44 GMT

My score went up by a bit, and I am debating whether or not to open a Chase checking to boost my odds.

Re: CSR App - Does Chase account help?

Anonymous — Mon, 23 Apr 2018 00:08:08 GMT

I am younger than 21

Re: CSR App - Does Chase account help?

Anonymous — Mon, 23 Apr 2018 01:02:10 GMT

@Anonymous wrote:
Opened AmEx BCE in Feb 2017, not a single bad/late/delinquent on my file.

AAoA is 1 year 6 months roughly though.... last opened was the BoA in april 2017. Haven't had any hard hits / new CC since.

Try again when your AAoA reaches two years or a little more.

Re: CSR App - Does Chase account help?

Anonymous — Mon, 23 Apr 2018 01:28:34 GMT

I was planning to apply in October/November of this year so that my AAoA will be 1 year 11 months/2 years /2 years 1 month roughly

Re: CSR App - Does Chase account help?

wasCB14 — Mon, 23 Apr 2018 01:30:42 GMT

@Anonymous wrote:
@Anonymous wrote:
Opened AmEx BCE in Feb 2017, not a single bad/late/delinquent on my file.

AAoA is 1 year 6 months roughly though.... last opened was the BoA in april 2017. Haven't had any hard hits / new CC since.
Try again when your AAoA reaches two years or a little more.

To get an AAoA of about 18 months, OP probably has 2 or 2.5 years of total CC history. I got a $7.5k CSP with 14 months of total history. Granted, I started with a Freedom so had 14 months with Chase.

Anecdotally, a checking/savings account makes (or used to make, the anecdotes I've seen are old) it easier for someone with a thin file or no history to get a Freedom...but OP has a decent history.

Re: CSR App - Does Chase account help?

Anonymous — Mon, 23 Apr 2018 02:05:58 GMT

@wasCB14 wrote:
@Anonymous wrote:
@Anonymous wrote:
Opened AmEx BCE in Feb 2017, not a single bad/late/delinquent on my file.

AAoA is 1 year 6 months roughly though.... last opened was the BoA in april 2017. Haven't had any hard hits / new CC since.
Try again when your AAoA reaches two years or a little more.
To get an AAoA of about 18 months, OP probably has 2 or 2.5 years of total CC history. I got a $7.5k CSP with 14 months of total history. Granted, I started with a Freedom so had 14 months with Chase.

Anecdotally, a checking/savings account makes (or used to make, the anecdotes I've seen are old) it easier for someone with a thin file or no history to get a Freedom...but OP has a decent history.

I don't have any history with Chase.... If I get the CSR then I need to get it in October/November in advance of a trip to take advantage of the benefits, any later then the CSR is tough to justify for myself.