topic Re: CSP/CSR chances in Credit Cards

CSP/CSR chances

Anonymous — Mon, 25 Mar 2019 02:19:58 GMT

I have 40k in open credit lines with 5% util. Im currently 1/24 out of 5/24. My experian credit score is 718 and fell like 60 points last summer because i stupidly went on vacation and forgot to double check my car payment which resulted in a 30 day late. I make around 72k annually. I have the Ink Preferred, Ink Cash and Freedom with a 5k (lowered from 25k via SM), 3k (lowered from 13k via SM) and 9k credit line on each respectively. Do I have a decent shot at the CSP or CSR? Im mostly concerned about my one 30 day late. I would love to cancel my CIC and get the CSP or CSR before my annual fee kicks in.

Re: CSP/CSR chances

Priory_Man — Sun, 24 Mar 2019 23:25:57 GMT

Do you have any pre-qual offers when you log into your chase account?

I don't think the one late will be too much of a problem. I would suggest going for the CSP, the subs are the same right now, and maybe PC to the CSR in a year, but, that's just me.

Re: CSP/CSR chances

Anonymous — Sun, 24 Mar 2019 23:34:42 GMT

No unfortuantely no offers. What do you mean by subs?

Re: CSP/CSR chances

Anonymous — Sun, 24 Mar 2019 23:36:28 GMT

I'd say based on the info you gave you should be able to get the CSP without an issue, not so sure about the CSR.

You could always go into a branch and ask if they have any pre approvals for you on either.

SUB is sign up bonus. Currently both cards are offering about the same number of points.

Re: CSP/CSR chances

Anonymous — Sun, 24 Mar 2019 23:56:31 GMT

thanks guys, i think i will go for it then!