Apply or Wait

[Anonymous]

CSP - Apply Now with 777, 767, 753 or wait a few days and see if I pop back up to 830? Scores dropped when existing cards reported at $0 vs 1%. Next reporting is 5th & 9th. Time between now and then has me sleeping on the floor,  lol. Mattresses will go toward welcome spend. 

Also, anyone hear that if you Apply in branch they will match the bonus?

[Hoben02]

https://thepointsguy.com/guide/credit-score-needed-for-chase-sapphire-preferred/

really the rule you should be watching out for is 5/24, if you can apply I would do it before that 100k bonus disappears

[pinkandgrey]

Assuming you don't have a bunch of recent inquiries or something, I'd just go for it now. You may or may not get back upto 830 right away and your current scores are good anyway. 

Good luck!

[FishingGuy]

Why not look at when your next billing cycle on one of your cards ends...... just put a small charge on it before it recycles and see where your scores move to,  if it's not too far off I don't think the few days will make much of a difference.... and I'd want the best shot at approval.  ( not sure if it would make a difference on the line issued if approved,  but my thoughts are.... a higher score couldn't hurt  )

[Anonymous]

Went ahead. Immediate approval at 17.99% and $17,300. Sad I didn't start around 40k, but with my score drop, I shouldn't complain. 

[cashorcharge]

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@Anonymous wrote:

Went ahead. Immediate approval at 17.99% and $17,300. Sad I didn't start around 40k, but with my score drop, I shouldn't complain. 

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Glad it went throughly instantly!!  Congratulations!!!

[pinkandgrey]

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@Anonymous wrote:

Went ahead. Immediate approval at 17.99% and $17,300. Sad I didn't start around 40k, but with my score drop, I shouldn't complain. 

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That's a pretty fantastic approval if you ask me lol. Congrats! I'm sure it will grow anyway. 

[gdale6]

Thread is closed to further comments, approval thread can be found here:

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/CSP-approval-17-300-start/td-p/6402036