topic Re: what are my odds....chase SP in Credit Cards

what are my odds....chase SP

revvystoke — Sun, 19 May 2013 03:57:03 GMT

Just paid off my cards, waiting for my balances to update. Before discover reported a balance my score was 719EQ, 738TU last I checked, it dropped a few points but should go back to that score once it updates soon.

I want the signup bonus of the CSP and possibly a card for my daily spending. I usually run $4-5k per month through my airline card

My util is currently 14% out of $16.5k total. 65k a year income, 2.5yr aaoa.

$3500 discover, $5000 boa 123 $7500 ak air, only have a balance on the akair card and less then $2k left on a $16k car loan.

Re: what are my odds....chase SP

myjourney — Sun, 19 May 2013 04:00:00 GMT

@revvystoke wrote:
Just paid off my cards, waiting for my balances to update. Before discover reported a balance my score was 719EQ, 738TU last I checked, it dropped a few points but should go back to that score once it updates soon.

I want the signup bonus of the CSP and possibly a card for my daily spending. I usually run $4-5k per month through my airline card

My util is currently 14% out of $16.5k total. 65k a year income, 2.5yr aaoa.

$3500 discover, $5000 boa 123 $7500 ak air, only have a balance on the akair card and less then $2k left on a $16k car loan.

.

Pretty good odds YMMV

Re: what are my odds....chase SP

jamesdwi — Sun, 19 May 2013 04:04:40 GMT

Chances look good, even before balances update, unless you have a card over 60-70% showing, 14% is good enough when you have over a 700 score and existing cards with over a 5k limit.

Re: what are my odds....chase SP

09Lexie — Sun, 19 May 2013 04:17:12 GMT

Sounds good to me.

Re: what are my odds....chase SP

Anonymous — Sun, 19 May 2013 06:08:16 GMT

I agree with what others said. Your chances look good.

If you want to be on the safe side you can always wait until all your new balances are updated as well.

Re: what are my odds....chase SP

CardsLifeLine — Sun, 19 May 2013 06:12:29 GMT

Good profile ... wish you good luck and kepe us posted with your status on CSP ... this one is my dream card ...

Re: what are my odds....chase SP

mcf — Sun, 19 May 2013 15:00:25 GMT

Get It Already!! Good luck!

Re: what are my odds....chase SP

ztnjpv — Sun, 19 May 2013 15:06:52 GMT

I'd say the odds are good. Beyond the basic criteria, you have gainful income and show experience with multiple prime cards with limits 5000+. The AAoA is good enough IMHO. But I am not an underwriter. So take it for what it's worth. Good Luck!

Re: what are my odds....chase SP

revvystoke — Tue, 21 May 2013 17:32:34 GMT

I app'd this morning. Got the 10day message.

Pulled my eq report after and my score dropped to only 701. My BOA reported mid cycle and upped my util to almost 22%, 46% for that account. Just came back from a business trip and I get my expenses reimbursed, hotel, airfare etc.

I called the recon number and was told they needed to verify an old address. Rep came on and said I was approved for $12k and asked if that was ok. I am happy now. Back to the garden for me.

Re: what are my odds....chase SP

09Lexie — Tue, 21 May 2013 17:38:50 GMT

Woo hoo! Congrats! Great starting CL.

See you in the garden!

Re: what are my odds....chase SP

dodgerslv — Tue, 21 May 2013 18:35:28 GMT

woohoo!!! Big congrats and awesome CL!!!

Re: what are my odds....chase SP

Anonymous — Tue, 21 May 2013 18:42:13 GMT

Nice limit -- congrats!!! See you in the garden.

Re: what are my odds....chase SP

Obt3wKLq5t — Tue, 21 May 2013 18:51:52 GMT

I got mine yesterday as well. Limit was a big surprise at 40k, which is in addition to my other 3 Chase cards. This is my biggest credit limit by far as the closest is a Amex at 20k.

Re: what are my odds....chase SP

dodgerslv — Tue, 21 May 2013 18:59:56 GMT

@Obt3wKLq5t wrote:
I got mine yesterday as well. Limit was a big surprise at 40k, which is in addition to my other 3 Chase cards. This is my biggest credit limit by far as the closest is a Amex at 20k.

wow.. BIG congrats!!!.didnt even know they could give credit limits that high until i joined myfico...lol. Hope to be there one day myself!

Re: what are my odds....chase SP

Anonymous — Tue, 21 May 2013 19:32:10 GMT

Awesome congrats

Re: what are my odds....chase SP

Anonymous — Tue, 21 May 2013 21:04:42 GMT

Grats!

Re: what are my odds....chase SP

revvystoke — Wed, 05 Jun 2013 16:47:06 GMT

Just met the spending requirements on this card and my AMEX this morning. Can't wait to get the point bonus. Only thing I don't like so far is the card seems to scratch easier then a regular card. Also I can only make one payment every day or two and I have been having to use bill pay to force payments on my bank side. Will be PIF'd as soon as my billpay makes it to them. Other then that the CSR's are awesome.

Re: what are my odds....chase SP

improvingmycredit — Wed, 05 Jun 2013 16:50:38 GMT

@revvystoke wrote:
Just paid off my cards, waiting for my balances to update. Before discover reported a balance my score was 719EQ, 738TU last I checked, it dropped a few points but should go back to that score once it updates soon.

I want the signup bonus of the CSP and possibly a card for my daily spending. I usually run $4-5k per month through my airline card

My util is currently 14% out of $16.5k total. 65k a year income, 2.5yr aaoa.

$3500 discover, $5000 boa 123 $7500 ak air, only have a balance on the akair card and less then $2k left on a $16k car loan.

.

Hey revvystoke!

Congrats! Man...very late response on my part!

Re: what are my odds....chase SP

revvystoke — Wed, 05 Jun 2013 16:51:52 GMT

@improvingmycredit wrote:
@revvystoke wrote:
Just paid off my cards, waiting for my balances to update. Before discover reported a balance my score was 719EQ, 738TU last I checked, it dropped a few points but should go back to that score once it updates soon.

I want the signup bonus of the CSP and possibly a card for my daily spending. I usually run $4-5k per month through my airline card

My util is currently 14% out of $16.5k total. 65k a year income, 2.5yr aaoa.

$3500 discover, $5000 boa 123 $7500 ak air, only have a balance on the akair card and less then $2k left on a $16k car loan.

.
Hey revvystoke!
Congrats! Man...very late response on my part!

I should've edited the first post, my bad. I had 6inqs when I applied, 4 old ones and one from a BOA cli and the other from a loan refi.

Re: what are my odds....chase SP

SRAGS — Wed, 05 Jun 2013 16:52:04 GMT

Execellent lmit.... Congrats.