CSP Application Went to 30 Day Review - UPDATE! Denied!

[Anonymous]

Went against my better judgement and fell for the infamous "Selected For You Offer" The CSP was one of my long term goal card and was going to wait until next year since I had been very good at spacing out my applications a year apart. I was approved for the CFU back in March but had a checking and savings account with Chase for over a year. Last Tuesday, when I logged in to pay my CFU bill, there was a green check mark for the CSP only, which said selected for you. Checked it out and saw a fixed APR 22.74% (high I know) but I do PIF on high interest cards so that was not so much of a problem. Did not pull the trigger that day, and was forcing myself to hold off on applying, but alas, I gave in and pulled the trigger yesterday and of course it went to the further review process. Oh well, I should have waited for next year : ( 

Currently 3/24 with 1% overall UTI and AoYA is 4 months (CFU) AAoA 1 year 11 mos. They HP'd EX/TU again. Hope something comes of of it

Happy Friday to everyone!

Update: 07-25-2019

30 day msg. Just changed to 7 - 10 days around 4:46pm. Called to speak to a credit analyst and after verification, she placed me on hold for 3 mins and came back to inform me that the application is denied. Denied due to the following reasons:

- Too few accounts on file for a sufficient length of time

- Insufficient credit information

- Oldest account has not been open long enough

I opted not to move forward with recon and will keep it as is, i've read the horror stories of accounts getting closed after accepted these offers and I'm just glad the denial wasn't about Unsatisfactory relationship with Chase which ultimately will close my CFU. I was suprised to receive that offer and got ahead of myself. I think I will accept the decision and will try my luck again, once my AAoA is past 2 years. 

Whoops!

[patoot10]

You will get approved eventually.

[Anonymous]

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@patoot10 wrote:

You will get approved eventually.

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Hopefully, my EX just took an 8 point hit because of it.

[Anonymous]

Wife had the same thing happen.

We are going in branch today to submit documents.

I believe she will be approved. Just gotta give em what they want

[Anonymous]

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@Anonymous wrote:

Wife had the same thing happen.

We are going in branch today to submit documents.

I believe she will be approved. Just gotta give em what they want

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Best of luck to the DW! Keep us posted 

[Anonymous]

It sounded good on the phone she had just moved and got married recently so they need that new info.

[Anonymous]

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@Anonymous wrote:

It sounded good on the phone she had just moved and got married recently so they need that new info.

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Looks like an approval. Otherwise, they won't bother asking for documentation. Keep us posted and don't forget to share your DP's once approved. 

[Anonymous]

Thanks,

Her scores are all 760+ no baddies

2 YRs AAoA and our income is 100k+ depending on how well I do each year.

[JR_TX]

@Clark_d_shark
Congrats on Chasing that matters! 😉
30 days usually leads to an approval!

[Anonymous]

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@JR_TX wrote:
@Clark_d_shark
Congrats on Chasing that matters! 😉
30 days usually leads to an approval!

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Thank you @JR_TX 

I claim temporary insanity on this app. Would be happy if I get it, but I guess i'll accept however the outcome. 

Twas too soon