topic Re: Just got Approved for CSP!!! in Credit Cards

Just got Approved for CSP!!!

Anonymous — Fri, 27 Jun 2014 02:05:57 GMT

Hi everyone,

This is my first post. I am looking to improve my credit score and my husband's credit score.

I am a stay at home mom with a husband that makes a decent 6 figure salary. I've recently today got approved for the Chase Sapphire Preferred card!

I have a credit score of 767 and pretty low Credit Utilization. On the other hand, my husband the one making all the money has a lower credit score than me (735) because he has a lot more loans and debts in his name than mine. His CU is pretty high, I believe 44 percent when I last checked.

I am new to the whole credit card world as my husband manges it mostly. What are your tips on lowering the CU? Should I do balance transfers over multiple credit cards or try to pay off the debt on the cards currently asap?

Also, on a side note as I have mentioned before I've just got approved for the CSP with 7k CL. Will it show up of my Chase Freedom current account under 'Credit Cards" or do I have to wait till I receive the credit card to link it to my account? I would like to do a Chase UR point transfer asap so I can redeem it for travel.

Thanks in advance for reading this post!

-Kim

Re: Just got Approved for CSP!!!

wacdenney — Fri, 27 Jun 2014 02:09:02 GMT

I was just recently approved for Freedom and had to wait for it to come in the mail before I could link the account to my existing Chase online banking profile.

Re: Just got Approved for CSP!!!

Closingracer99 — Fri, 27 Jun 2014 02:12:25 GMT

@Anonymous wrote:
Hi everyone,

This is my first post. I am looking to improve my credit score and my husband's credit score.

I am a stay at home mom with a husband that makes a decent 6 figure salary. I've recently today got approved for the Chase Sapphire Preferred card!
I have a credit score of 767 and pretty low Credit Utilization. On the other hand, my husband the one making all the money has a lower credit score than me (735) because he has a lot more loans and debts in his name than mine. His CU is pretty high, I believe 44 percent when I last checked.

I am new to the whole credit card world as my husband manges it mostly. What are your tips on lowering the CU? Should I do balance transfers over multiple credit cards or try to pay off the debt on the cards currently asap?

Also, on a side note as I have mentioned before I've just got approved for the CSP with 7k CL. Will it show up of my Chase Freedom current account under 'Credit Cards" or do I have to wait till I receive the credit card to link it to my account? I would like to do a Chase UR point transfer asap so I can redeem it for travel.

Thanks in advance for reading this post!

-Kim

I have been a chase customer for a long time for checking and when i got approved for the Amazon Visa , Freedom and Chase sapphire it all showed up on my account when i got approved.

Side note Send a Secured message to them to ask if they would rush it if you really want it I politely asked them to rush both of my cards and they did

Re: Just got Approved for CSP!!!

nachoslibres — Fri, 27 Jun 2014 02:14:34 GMT

Yes, you will have to wait for it to come in the mail before registering it online - and you should have no issues putting that on the same online account. Combining business and personal accounts are the ones you have to call in to get Chase to do. I have my personal Chase checking account, Freedom account, and Ink Bold card all on the same online account.

As far as lowering his CU, paying down his balances would help. If you add him as an authorized user and you keep your balance low that should help as well.

Re: Just got Approved for CSP!!!

Anonymous — Fri, 27 Jun 2014 02:14:41 GMT

How do I send a secured message?

Do I do that through my current account with the Chase Freedom card?

Re: Just got Approved for CSP!!!

Closingracer99 — Fri, 27 Jun 2014 02:16:56 GMT

@Anonymous wrote:
How do I send a secured message?

Do I do that through my current account with the Chase Freedom card?

I would assume so. I have a Checking account so maybe thats why my cards were Registered onto my accounts... do you know the last 4 digits of the account for the CSP?

Re: Just got Approved for CSP!!!

nachoslibres — Fri, 27 Jun 2014 02:17:26 GMT

@Anonymous wrote:
How do I send a secured message?

Do I do that through my current account with the Chase Freedom card?

Yes, login online, and towards the upper right you will see an option to send a secured message.

Re: Just got Approved for CSP!!!

09Lexie — Fri, 27 Jun 2014 02:18:06 GMT

@Anonymous wrote:
Hi everyone,

This is my first post. I am looking to improve my credit score and my husband's credit score.

I am a stay at home mom with a husband that makes a decent 6 figure salary. I've recently today got approved for the Chase Sapphire Preferred card!
I have a credit score of 767 and pretty low Credit Utilization. On the other hand, my husband the one making all the money has a lower credit score than me (735) because he has a lot more loans and debts in his name than mine. His CU is pretty high, I believe 44 percent when I last checked.

I am new to the whole credit card world as my husband manges it mostly. What are your tips on lowering the CU? Should I do balance transfers over multiple credit cards or try to pay off the debt on the cards currently asap?

Also, on a side note as I have mentioned before I've just got approved for the CSP with 7k CL. Will it show up of my Chase Freedom current account under 'Credit Cards" or do I have to wait till I receive the credit card to link it to my account? I would like to do a Chase UR point transfer asap so I can redeem it for travel.

Thanks in advance for reading this post!

-Kim

Welcome to the forum. Contact Chase and ask them to expedite your card. IIRC, my CSP showed on my profile a few days after I was approved.

Re: Just got Approved for CSP!!!

Anonymous — Fri, 27 Jun 2014 02:18:35 GMT

No, I wished. That would of helped a lot.

I just received an generic message from Chase sent to my email saying I got appoved. It doesn't even say what card or my CL.

Re: Just got Approved for CSP!!!

Closingracer99 — Fri, 27 Jun 2014 02:21:01 GMT

@Anonymous wrote:
No, I wished. That would of helped a lot.

I just received an generic message from Chase sent to my email saying I got appoved. It doesn't even say what card or my CL.

I think all CSP are siggys to my knowledge so i would guess at the very least a $5k CL probably a lot higher with your Credit scores

Re: Just got Approved for CSP!!!

09Lexie — Fri, 27 Jun 2014 02:22:09 GMT

@Closingracer99 wrote:
@Anonymous wrote:
How do I send a secured message?

Do I do that through my current account with the Chase Freedom card?
I would assume so. I have a Checking account so maybe thats why my cards were Registered onto my accounts... do you know the last 4 digits of the account for the CSP?
It doesn't matter if you have a checking account. It will take a day or two for the account to be populated. Chances are, if expedited the card may arrive before it shows online.

Just call Chase and ask them to expedite it ESP if you need it for travel. Next week is a short week and you would hate to have your card delayed.

Re: Just got Approved for CSP!!!

Closingracer99 — Fri, 27 Jun 2014 02:23:55 GMT

@09Lexie wrote:
@Closingracer99 wrote:
@Anonymous wrote:
How do I send a secured message?

Do I do that through my current account with the Chase Freedom card?
I would assume so. I have a Checking account so maybe thats why my cards were Registered onto my accounts... do you know the last 4 digits of the account for the CSP?
It doesn't matter if you have a checking account. It will take a day or two for the account to be populated. Chances are, if expedited the card may arrive before it shows online.
Just call Chase and ask them to expedite it ESP if you need it for travel. Next week is a short week and you would hate to have your card delayed.

well Idk my cards all showed up on my account when i got approved that minute... MAde it easier for me to ask for the card to be Rushed

Re: Just got Approved for CSP!!!

Anonymous — Fri, 27 Jun 2014 02:24:15 GMT

What is a good number to call them to expedite the card?

I'm about to give them a call now.

Re: Just got Approved for CSP!!!

Closingracer99 — Fri, 27 Jun 2014 02:26:33 GMT

@Anonymous wrote:
What is a good number to call them to expedite the card?

I'm about to give them a call now.

I would just call one of their CSR numbers ... they can always transfer you to the right people

Re: Just got Approved for CSP!!!

09Lexie — Fri, 27 Jun 2014 02:26:53 GMT

@Anonymous wrote:
What is a good number to call them to expedite the card?

I'm about to give them a call now.

Chase: 888-245-0625

Re: Just got Approved for CSP!!!

Kenny — Fri, 27 Jun 2014 02:27:47 GMT

@Anonymous wrote:
What is a good number to call them to expedite the card?

I'm about to give them a call now.

1-800-493-3319 is the CSP #

Re: Just got Approved for CSP!!!

09Lexie — Fri, 27 Jun 2014 02:29:50 GMT

@KennyRS wrote:
@Anonymous wrote:
What is a good number to call them to expedite the card?

I'm about to give them a call now.
1-800-493-3319 is the CSP #

Thanks Kenny, my wallet was so far away from my iPad.

Re: Just got Approved for CSP!!!

Kenny — Fri, 27 Jun 2014 02:30:51 GMT

@09Lexie wrote:
@KennyRS wrote:
@Anonymous wrote:
What is a good number to call them to expedite the card?

I'm about to give them a call now.
1-800-493-3319 is the CSP #
Thanks Kenny, my wallet was so far away from my iPad.

No problemo -- unfortunately I keep my wallet near my computer at all times. This is no good for my budget!

Re: Just got Approved for CSP!!!

Anonymous — Fri, 27 Jun 2014 02:37:59 GMT

Congrats on the CSP. It's a great card!

Re: Just got Approved for CSP!!!

Anonymous — Fri, 27 Jun 2014 02:38:18 GMT

Just called Chase and they expedited it via UPS!

Thanks for of you guys help!