topic Re: Progress...CSP...or garden in Credit Cards

Progress...CSP...or garden

tattooedhusker — Wed, 20 Aug 2014 17:51:18 GMT

So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!

Re: Progress...CSP...or garden

1GaDawg85 — Wed, 20 Aug 2014 17:52:17 GMT

keep holding out! you may get an even better offer later

Re: Progress...CSP...or garden

Closingracer99 — Wed, 20 Aug 2014 20:02:48 GMT

@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!

If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo

Re: Progress...CSP...or garden

Skye12329 — Wed, 20 Aug 2014 20:05:32 GMT

Gardening wouldnt hurt if you can hold off, otherwise Chase Pre-Approvals are supposed to be really good actually

Re: Progress...CSP...or garden

mongstradamus — Wed, 20 Aug 2014 20:24:10 GMT

@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo

I got double pulled for my CSP and it ex and tu i wish somebody would pul EQ on me its my highest score and has least amount of HP. YMMV on who pulls you i am in northeast. If you decide not to pull the trigger yet, you can use freedom as an everyday card as well as 5% category card to build up those UR points. Don't cash them out save them up till you apply for CSP then you can transfer them over to CSP account.

Re: Progress...CSP...or garden

Closingracer99 — Wed, 20 Aug 2014 20:26:58 GMT

@mongstradamus wrote:
@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo
I got double pulled for my CSP and it ex and tu i wish somebody would pul EQ on me its my highest score and has least amount of HP. YMMV on who pulls you i am in northeast. If you decide not to pull the trigger yet, you can use freedom as an everyday card as well as 5% category card to build up those UR points. Don't cash them out save them up till you apply for CSP then you can transfer them over to CSP account.

Chase has never pulled TU for me and i am in the Northeast as well. They done it once when I asked them to

Re: Progress...CSP...or garden

mongstradamus — Wed, 20 Aug 2014 20:29:42 GMT

@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo
I got double pulled for my CSP and it ex and tu i wish somebody would pul EQ on me its my highest score and has least amount of HP. YMMV on who pulls you i am in northeast. If you decide not to pull the trigger yet, you can use freedom as an everyday card as well as 5% category card to build up those UR points. Don't cash them out save them up till you apply for CSP then you can transfer them over to CSP account.
Chase has never pulled TU for me and i am in the Northeast as well. They done it once when I asked them to

i didnt ask i didn't want an double pull :-( i thought my credit was in good enough shape where i wouldn't get double or tripled anymore alas i was mistakened

Re: Progress...CSP...or garden

Closingracer99 — Wed, 20 Aug 2014 20:44:44 GMT

@mongstradamus wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo
I got double pulled for my CSP and it ex and tu i wish somebody would pul EQ on me its my highest score and has least amount of HP. YMMV on who pulls you i am in northeast. If you decide not to pull the trigger yet, you can use freedom as an everyday card as well as 5% category card to build up those UR points. Don't cash them out save them up till you apply for CSP then you can transfer them over to CSP account.
Chase has never pulled TU for me and i am in the Northeast as well. They done it once when I asked them to
i didnt ask i didn't want an double pull :-( i thought my credit was in good enough shape where i wouldn't get double or tripled anymore alas i was mistakened

I got declined for the Freedom when they pulled my EX and on a Recon I asked if they could pull my TU report instead. They pulled and decline but still for me at least that is the only time they have pulled my TU report

Re: Progress...CSP...or garden

mongstradamus — Wed, 20 Aug 2014 20:49:47 GMT

@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo
I got double pulled for my CSP and it ex and tu i wish somebody would pul EQ on me its my highest score and has least amount of HP. YMMV on who pulls you i am in northeast. If you decide not to pull the trigger yet, you can use freedom as an everyday card as well as 5% category card to build up those UR points. Don't cash them out save them up till you apply for CSP then you can transfer them over to CSP account.
Chase has never pulled TU for me and i am in the Northeast as well. They done it once when I asked them to
i didnt ask i didn't want an double pull :-( i thought my credit was in good enough shape where i wouldn't get double or tripled anymore alas i was mistakened
I got declined for the Freedom when they pulled my EX and on a Recon I asked if they could pull my TU report instead. They pulled and decline but still for me at least that is the only time they have pulled my TU report

Meh who knows what chase is thinking i don't think i got double pulled for my freedom when i got it. My credit report was in an lot worse shape at the time. I think my scores were in hi 600s when i got my freedom. I got double pulled back in may when i apped for CSP, and my scores were in the 770s on ex and low 800s on TU, I know freedom is easier to get approved for , but still an litlte crazy imo.

Re: Progress...CSP...or garden

Closingracer99 — Wed, 20 Aug 2014 20:51:38 GMT

@mongstradamus wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo
I got double pulled for my CSP and it ex and tu i wish somebody would pul EQ on me its my highest score and has least amount of HP. YMMV on who pulls you i am in northeast. If you decide not to pull the trigger yet, you can use freedom as an everyday card as well as 5% category card to build up those UR points. Don't cash them out save them up till you apply for CSP then you can transfer them over to CSP account.
Chase has never pulled TU for me and i am in the Northeast as well. They done it once when I asked them to
i didnt ask i didn't want an double pull :-( i thought my credit was in good enough shape where i wouldn't get double or tripled anymore alas i was mistakened
I got declined for the Freedom when they pulled my EX and on a Recon I asked if they could pull my TU report instead. They pulled and decline but still for me at least that is the only time they have pulled my TU report
Meh who knows what chase is thinking i don't think i got double pulled for my freedom when i got it. My credit report was in an lot worse shape at the time. I think my scores were in hi 600s when i got my freedom. I got double pulled back in may when i apped for CSP, and my scores were in the 770s on ex and low 800s on TU, I know freedom is easier to get approved for , but still an litlte crazy imo.

Oh chase has never doubled pulled me myself I asked them to pull TU and the obliged

Re: Progress...CSP...or garden

mongstradamus — Wed, 20 Aug 2014 20:56:38 GMT

@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo
I got double pulled for my CSP and it ex and tu i wish somebody would pul EQ on me its my highest score and has least amount of HP. YMMV on who pulls you i am in northeast. If you decide not to pull the trigger yet, you can use freedom as an everyday card as well as 5% category card to build up those UR points. Don't cash them out save them up till you apply for CSP then you can transfer them over to CSP account.
Chase has never pulled TU for me and i am in the Northeast as well. They done it once when I asked them to
i didnt ask i didn't want an double pull :-( i thought my credit was in good enough shape where i wouldn't get double or tripled anymore alas i was mistakened
I got declined for the Freedom when they pulled my EX and on a Recon I asked if they could pull my TU report instead. They pulled and decline but still for me at least that is the only time they have pulled my TU report
Meh who knows what chase is thinking i don't think i got double pulled for my freedom when i got it. My credit report was in an lot worse shape at the time. I think my scores were in hi 600s when i got my freedom. I got double pulled back in may when i apped for CSP, and my scores were in the 770s on ex and low 800s on TU, I know freedom is easier to get approved for , but still an litlte crazy imo.
Oh chase has never doubled pulled me myself I asked them to pull TU and the obliged

I wonder if there was something they didn't like on my ex i wonder what it could be there are no derogs or anything on it. I thought 770 is decent score oh well

Re: Progress...CSP...or garden

Closingracer99 — Wed, 20 Aug 2014 21:00:04 GMT

@mongstradamus wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo
I got double pulled for my CSP and it ex and tu i wish somebody would pul EQ on me its my highest score and has least amount of HP. YMMV on who pulls you i am in northeast. If you decide not to pull the trigger yet, you can use freedom as an everyday card as well as 5% category card to build up those UR points. Don't cash them out save them up till you apply for CSP then you can transfer them over to CSP account.
Chase has never pulled TU for me and i am in the Northeast as well. They done it once when I asked them to
i didnt ask i didn't want an double pull :-( i thought my credit was in good enough shape where i wouldn't get double or tripled anymore alas i was mistakened
I got declined for the Freedom when they pulled my EX and on a Recon I asked if they could pull my TU report instead. They pulled and decline but still for me at least that is the only time they have pulled my TU report
Meh who knows what chase is thinking i don't think i got double pulled for my freedom when i got it. My credit report was in an lot worse shape at the time. I think my scores were in hi 600s when i got my freedom. I got double pulled back in may when i apped for CSP, and my scores were in the 770s on ex and low 800s on TU, I know freedom is easier to get approved for , but still an litlte crazy imo.
Oh chase has never doubled pulled me myself I asked them to pull TU and the obliged
I wonder if there was something they didn't like on my ex i wonder what it could be there are no derogs or anything on it. I thought 770 is decent score oh well

My EX score is 717 and at the time when I apped I didn't have a score. I apped for the Freedom about 2-3 months after I got approved for the Discover it card. I never have baddies on my reports so far and a lot of inq's on my EX. There is much more then Scores. Bank of America rep said my score was pretty good but the inqs and new accounts was the reason for the cpu denial

Re: Progress...CSP...or garden

mongstradamus — Wed, 20 Aug 2014 21:01:45 GMT

@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@mongstradamus wrote:
@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo
I got double pulled for my CSP and it ex and tu i wish somebody would pul EQ on me its my highest score and has least amount of HP. YMMV on who pulls you i am in northeast. If you decide not to pull the trigger yet, you can use freedom as an everyday card as well as 5% category card to build up those UR points. Don't cash them out save them up till you apply for CSP then you can transfer them over to CSP account.
Chase has never pulled TU for me and i am in the Northeast as well. They done it once when I asked them to
i didnt ask i didn't want an double pull :-( i thought my credit was in good enough shape where i wouldn't get double or tripled anymore alas i was mistakened
I got declined for the Freedom when they pulled my EX and on a Recon I asked if they could pull my TU report instead. They pulled and decline but still for me at least that is the only time they have pulled my TU report
Meh who knows what chase is thinking i don't think i got double pulled for my freedom when i got it. My credit report was in an lot worse shape at the time. I think my scores were in hi 600s when i got my freedom. I got double pulled back in may when i apped for CSP, and my scores were in the 770s on ex and low 800s on TU, I know freedom is easier to get approved for , but still an litlte crazy imo.
Oh chase has never doubled pulled me myself I asked them to pull TU and the obliged
I wonder if there was something they didn't like on my ex i wonder what it could be there are no derogs or anything on it. I thought 770 is decent score oh well
My EX score is 717 and at the time when I apped I didn't have a score. I apped for the Freedom about 2-3 months after I got approved for the Discover it card. I never have baddies on my reports so far and a lot of inq's on my EX. There is much more then Scores. Bank of America rep said my score was pretty good but the inqs and new accounts was the reason for the cpu denial

Oh well i guess i can't complain at least it wasn't out right denied. We will see what happens when i app for amex next that is probably more important to me since it can backdate me to 1995. That will really help my AAOA just waiting for best offer to come along.

Re: Progress...CSP...or garden

tattooedhusker — Wed, 20 Aug 2014 21:03:43 GMT

@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo

This is what I was thinking, I'll have to pull my EQ score again, as that score is from April/May of this year

Re: Progress...CSP...or garden

mongstradamus — Wed, 20 Aug 2014 21:05:17 GMT

@tattooedhusker wrote:
@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo
This is what I was thinking, I'll have to pull my EQ score again, as that score is from April/May of this year

The one thing i would say if you think you are borderline apping for the card , i would wait for a few months then app then.

Re: Progress...CSP...or garden

Closingracer99 — Wed, 20 Aug 2014 21:13:27 GMT

@tattooedhusker wrote:
@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo
This is what I was thinking, I'll have to pull my EQ score again, as that score is from April/May of this year

If you are pre-qualified it should be fine and no double pull imo

Re: Progress...CSP...or garden

sccredit — Wed, 20 Aug 2014 21:16:10 GMT

@Closingracer99 wrote:
@tattooedhusker wrote:
@Closingracer99 wrote:
@tattooedhusker wrote:
So yesterday when I got home from work and checked the mail and saw a letter from Chase. Open it up...pre-approval for the CSP, the one I had been aiming for since the start of my rebuild! Exciting! My dilemma is if I should take the 45k offer (40k sign up, 5k AU) or remain in the garden for my full year (November). I'm just happy to finally be in the position to make these decisions! Woo!
If They double pull they will probably see youe EX and EQ scores ... Would garden till that one is in the 700's imo
This is what I was thinking, I'll have to pull my EQ score again, as that score is from April/May of this year
If you are pre-qualified it should be fine and no double pull imo

x2. I would do it. 45k is a good offer and I would bet you get approved. Just my $.02