topic Re: CSR approval odds with some old oopsies in Credit Cards

CSR approval odds with some old oopsies

Anonymous — Fri, 25 Oct 2019 19:42:10 GMT

I'm thinking of applying for the CSR

I have 725 fico, 4 years of avg credit hit.(oldest card is 5 years old), I do have a CO from another issuer from 6years ago, also a 90 day late from wells fargo also from 6 yrs ago, I know, I wasn't very responsible back then, but since then I have no negative marks. I'm in the Amex family with the gold card, and the BCE(12k limit), I have discover 10k limit, and some capital one card with 3 and 4 k limit, and a unsecured loan from my credit union.

I've tried the preapproval page with no luck, have never received an offer from chase in the mail.

Should I go for it? I'm at 0/24

Re: CSR approval odds with some old oopsies

Anonymous — Fri, 25 Oct 2019 19:45:24 GMT

For the CSR you need to swing by a branch if you want a pre-approval.

Also, while there they can show you all of the cards you're pre-approved for.

Re: CSR approval odds with some old oopsies

Anonymous — Fri, 25 Oct 2019 19:48:33 GMT

thank you, I'll swing by a chase branch. In case they don't show pre approval for it, does it mean low chances of approval?

Re: CSR approval odds with some old oopsies

Anonymous — Fri, 25 Oct 2019 20:07:51 GMT

If there's no pre-approval then I would hold off on applying.

There's always the option to proceed though if your'e confident in your ninja skills of reconsideration for an approval. Nothing these days is 100% even with a pre-approval but, with Chase it's probably a 99% approval if they show one in branch.

Looking at your OP you have the min requirements of 10K+ CL over 1 year of history and you're 0/24. Score might be a little on the low side though. It will most likely be a double pull betwen 2 CR's as most apps pull EX+1. To get a better sense maybe get all 3 of your scores over at creditchecktotal.com for $1 trial and maybe it will prove some more insight into what to expect.

Re: CSR approval odds with some old oopsies

Remedios — Fri, 25 Oct 2019 20:16:13 GMT

In branch preapprovals require an existing Chase account, otherwise banker is doing same thing as OP, checking a prequal.

OP, do you have a Chase account of any kind?

Re: CSR approval odds with some old oopsies

Anonymous — Fri, 25 Oct 2019 20:30:09 GMT

Yes, I forgot to mention it. My wife has had chase checking/savings for a long time, we went to chase and they added me to her account and changed it to a joint account.

Re: CSR approval odds with some old oopsies

Anonymous — Fri, 25 Oct 2019 20:47:29 GMT

you're right, I'll hold off If I don't get a pre approval.

Thanks for the tip, I didn't know about creditchecktotal.com. I just pulled my 3 reports and it shows EXP 725, EQ 715 and TRA 723. All 3 show the late payment and CO. I'll test the waters at the branch, hope for a pre approval and pay they don't pull EQ if I apply.

Thank you!

Re: CSR approval odds with some old oopsies

NRB525 — Fri, 25 Oct 2019 20:52:47 GMT

When is the CO due to fall off?

Re: CSR approval odds with some old oopsies

Anonymous — Fri, 25 Oct 2019 21:00:49 GMT

@Anonymous wrote:
you're right, I'll hold off If I don't get a pre approval.

Thanks for the tip, I didn't know about creditchecktotal.com. I just pulled my 3 reports and it shows EXP 725, EQ 715 and TRA 723. All 3 show the late payment and CO. I'll test the waters at the branch, hope for a pre approval and pay they don't pull EQ if I apply.

Thank you!

YW! Don't forget to cancel CCT though or it turns into $30/mo after 7 days.

Re: CSR approval odds with some old oopsies

Anonymous — Fri, 25 Oct 2019 21:40:27 GMT

should be gone by june 2020

Re: CSR approval odds with some old oopsies

Aim_High — Sat, 26 Oct 2019 00:19:49 GMT

@Anonymous wrote:
Yes, I forgot to mention it. My wife has had chase checking/savings for a long time, we went to chase and they added me to her account and changed it to a joint account.

Good advice above. I was a little concerned with your baddies and was going to suggest you open accounts to hedge your bets. I think that will help. Now checking for the preapprovals should be next step; if none, then hold off for awhile and let CO's age.

Re: CSR approval odds with some old oopsies

EAJuggalo — Sat, 26 Oct 2019 11:42:02 GMT

If the CO is scheduled to age off in June, 2020. You may be able to ask for it to be excluded early. The other option to look at would be to get one of the other Chase cards to get in the door with them, and build up your UR stash before getting the CSR.

Re: CSR approval odds with some old oopsies

Anonymous — Sat, 09 Nov 2019 03:43:21 GMT

Just an update---------- I was approved for the CSR SL $18,700 and 18.49% APR

I went to a chase branch, banker said I was pre approved and shows me the list of the cards , luckily the CSR was on the list. I asked to see the offer terms and it showed a single APR. I told her to pull the trigger and just told me I was approved with that SL. Very happy to finally be in the chase game.

I appreciate the advice.

Re: CSR approval odds with some old oopsies

Anonymous — Sat, 09 Nov 2019 03:59:07 GMT

Congrats! That's a great approval - enjoy and treat it well

Re: CSR approval odds with some old oopsies

FinStar — Sat, 09 Nov 2019 04:30:23 GMT

Thanks for the update and congrats on your approval @Anonymous. Glad to hear the odds worked out in your favor.

Locking this thread as you have been approved. Feel free to start a new approval thread in the Approvals forum if you would like to do so.