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736 score enough for CSP?

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736 score enough for CSP?




736 score enough for CSP?

Hi gus,my info :



Open Credit Cards :9
Accounts Ever Late:1 ( 30 Days  3Years ago)
Average Account Age :2 Years 7 Months
Oldest Account :4 Years 1 Month

3 HP in the last 6 months.



Total Credit

utilization 8%




Message 1 of 8
Valued Contributor

Re: 736 score enough for CSP?

Do you currently have an account that is $5K+ and over a year old?


If approved for an account, your credit access line will be at least $5000

500K+ TCL / 800+ FCOs
Message 2 of 8
New Member

Re: 736 score enough for CSP?

Yes,I have one BOA credit card at 5K CL since 2016,but it's an additional card :(

Message 3 of 8
Community Leader
Mega Contributor

Re: 736 score enough for CSP?

How many cards did you open in the last two years? 

please list the month and year they were opened in 

Message 4 of 8
Community Leader
Valued Contributor

Re: 736 score enough for CSP?

I would think you could get it IF IF IF you haven’t opened a bunch of cards in the last two years. You listed your inqs in the last six months, but said nothing about new accounts over the past 24.


Good luck!

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
Once you go Berner, you never go back.
Message 5 of 8
Established Contributor

Re: 736 score enough for CSP?

With your score I would say you are in good shape. Definitely a few factors that could change that, as mentioned above. If you have opened 5 accounts in the past 24 months, that would be a hard stop for Chase. Also, credit length and amount is another big factor (such as the 5k threshold mentioned above). 


The best way to find out is to go into a branch and see if you are pre-approved. 

Bourbon and bow ties.
Current Cards:

2020 Goals:
$100K total CL (through organic/soft pull growth; COMPLETE!)
750+ across bureaus
No real goal cards for now
Garden Forever.
Message 6 of 8
Valued Contributor

Re: 736 score enough for CSP?

What were the 3 HPs for? Current lines, when opened, current limits? Also, any accounts opened in the last 2 years? If so, how many and what are the limits?

I would recommend as mentioned before - you're best bet is to go in-branch and have a banker see what you are possibly approved for.

Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 7 of 8

Re: 736 score enough for CSP?

Chase is weird sometimes.

2 days ago, I was checking their pre qual page and got a message that there were no offers for me at this time. Went to check my mail and saw a pre approved CSP offer. Used the invitation code online and got approved for 13.9k. My fico is at 727 (didn’t check with any credit bureaus).
Amex Blue Cash ; Chase Sapphire Preferred ; Capital One Quicksilver Cash Rewards, ; Capital One Platinum ; Citi Thank You Preferred ; Discover It Cash Back ; DCU Platinum Visa ; BofA Cash Rewards ; Best Buy Citi ; Mercury Cash Rewards
Message 8 of 8
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