topic Re: chase freedom and csp in Credit Cards

chase freedom and csp

Anonymous — Sun, 06 Oct 2013 14:07:28 GMT

ive heard great things about having the freedom and chase sapphire preffered combo

so maybe its time to app again?

income is 63,000

score 700

aaoa 2.5 yrs

no collections

car loan 02/2013 for 30,000 down to 25,000

student loans in defferment

app free for 6 months! 6 or 7 inquiries in last year (car shopping)

credit cards:

1. discover over 5 yrs old 0/1000

2. citi opened 12/2012 550/1000

3. csp opened 04/2013 500/5000

4. jared 2 yrs old 900/1400

my first cc ever was a bank of america american express which i maxed out and i closed for financial hardship

so never went to collection but currently still paying off, remaining balance is 500

do you guys think i cant get the amex blue or cash card? or the chase freedom?

Re: chase freedom and csp

Kozmo — Sun, 06 Oct 2013 15:34:23 GMT

Have you checked their pre-qualified offers site?
Check that first.

The only issue I would have is that you're carrying a balance on 4 cards. But everything else looks good

If you apply and are denied I would recon. You can probably talk your way through an approval. But you stand a decent shot right now

Re: chase freedom and csp

swpopham — Sun, 06 Oct 2013 16:00:01 GMT

well, why haven't you been getting CLI's on the discover if its 5 years old its time to call and say hey am i prequalified for a 10k limit? and think too your citi is at 55% uti

Re: chase freedom and csp

Anonymous — Sun, 06 Oct 2013 16:31:26 GMT

ive literally tried to get a cli every year and they keep giving me bs answers why not to.

thats why i refuse to use it but i cant close it since its on my oldest

Re: chase freedom and csp

Kenny — Sun, 06 Oct 2013 16:35:33 GMT

Have you tried getting a CLI on Discover before you make a payment and have a balance on the card? I've found that works as well.. but I've honestly never had any trouble at all with them... I've done the chat for a CLI, I've called, and I've done it through Message, and also on the soft pull page luv button. LOL GL!!

Re: chase freedom and csp

B335is — Sun, 06 Oct 2013 16:35:44 GMT

I agree, I would check the preapproval link because of carrying a balance on 4 of 5 accounts. If you got your Citi balance down below 20% I think you have a good shot at it.

Re: chase freedom and csp

MMB85 — Sun, 06 Oct 2013 16:38:35 GMT

@Anonymous wrote:
ive literally tried to get a cli every year and they keep giving me bs answers why not to.
thats why i refuse to use it but i cant close it since its on my oldest

If it helps any, I had my Discover card since 2009, rarely used it. Started out with a $500 limit. I've tried in the past to get a CLI but was denied. I tried the other day and punched in $4500, so that it would bring me to 5,000 and I was approved. Have you tried CLI through your account on the site rather than calling?

Re: chase freedom and csp

Anonymous — Sun, 06 Oct 2013 16:39:01 GMT

good idea!

Re: chase freedom and csp

09Lexie — Sun, 06 Oct 2013 18:25:24 GMT

Is the Discover a Student card? Is it the More?

Re: chase freedom and csp

Networth — Sun, 06 Oct 2013 19:26:49 GMT

For American Express I would be worried about there "internal algorithmic" you said you opened a BoA/Amex card maxed it, than closed, and are slowly paying it off. I would wonder how their super secret system views that.

Re: chase freedom and csp

thelethargicage — Sun, 06 Oct 2013 21:50:08 GMT

If BofA put a notation to the effect of "This account is on a payment plan" on OP's CR, then Amex will instantly deny his app. Trust me on that one. This applies to Chase as well.

Re: chase freedom and csp

09Lexie — Sun, 06 Oct 2013 22:04:48 GMT

True!

Re: chase freedom and csp

youngandcreditwrthy — Mon, 07 Oct 2013 00:15:00 GMT

Yeah... You should pull your reports to see how that account is reporting.
I had a closed accout with a balance when I got approved for Amex and pretty much all of my primes.
The rate was 9.24% on an old Wamu account. I was in no hurry to pif as such.

Re: chase freedom and csp

Anonymous — Mon, 07 Oct 2013 01:02:33 GMT

I've been approved for southwest chase and csp with that amex charge off