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CSP - Went for it! * UPDATE: Approved & pushed my luck! LOL

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Regular Contributor

CSP - Went for it! * UPDATE: Approved & pushed my luck! LOL

We decided to go for it, possibly prematurely -- we'll find out!

 

Husband just paid his utilization down from 71% to 14%, which brought his Experian to 779. Problem is the balances haven't fully updated on Equifax (721) or TransUnion (704) yet. Was considering waiting until they all update, so that the other scores could catch up buuuttt... got antsy.

 

Got the 7-10 day message immediately, 30 day email, and just called and got the 2 weeks message.

 

CROSS YOUR FINGERS FOR US!! It's our most desired card of all time. :-P 

Message 1 of 26
25 REPLIES 25
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Established Contributor

Re: CSP - Went for it!

Pre-qualified? Not In 5/24 I presume? Good luck
03/09 EX- 701 TU- 716 EQ- 684 || 12 Mnth Inq EX- 3 TU- 1 EQ- 4
Last late Payment Feb '14(180 Days) || Oldest ACC- 4 Yrs
AAOA- 1.8 years || Total CL 84k || Goal: 700 across the board


Message 2 of 26
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Regular Contributor

Re: CSP - Went for it!

Thanks!

 

Not pre-qualified. :-/

2 new cards in the past 24 months, plus added as 1 authorized user... I suppose that puts it at 3/24.

Message 3 of 26
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Established Contributor

Re: CSP - Went for it!

I don't see how you couldn't be approved(unless you've got some serious baddies under that score). Well under the rule, I could see an issue with that card reporting a high balance, but if they double pulled and see the low balance I'm sure that can be reconned in a worst case scenario and say hey that's not the actual balance, see look at experian.

 

What makes up his scores? Aaoa etc, prior relationship with Chase?

03/09 EX- 701 TU- 716 EQ- 684 || 12 Mnth Inq EX- 3 TU- 1 EQ- 4
Last late Payment Feb '14(180 Days) || Oldest ACC- 4 Yrs
AAOA- 1.8 years || Total CL 84k || Goal: 700 across the board


Message 4 of 26
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New Contributor

Re: CSP - Went for it!

*Fingers crossed* Good Luck!

Message 5 of 26
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Super Contributor

Re: CSP - Went for it!

Good luck!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 6 of 26
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Regular Contributor

Re: CSP - Went for it!


@Kuma wrote:

I don't see how you couldn't be approved(unless you've got some serious baddies under that score). Well under the rule, I could see an issue with that card reporting a high balance, but if they double pulled and see the low balance I'm sure that can be reconned in a worst case scenario and say hey that's not the actual balance, see look at experian.

 

What makes up his scores? Aaoa etc, prior relationship with Chase?


No baddies Smiley Happy... No lates, no collections, no charge offs, nothing. Perfect payment history. The only thing holding him back previously was the high utilization.

 

AAoA is 6.9 years, we have a checking account with Chase and just got a Freedom 2 months ago (first Chase card). Prior to the Freedom 2 months ago, he had a new Synchrony card 10 months ago, but prior to that the last card was 7 years ago. ~$36k in credit lines with about $5k in balances right now. Inquiries are 6 (Ex), 1 (TU), 4 (Eq).

 

I sure do hope we get it!

Message 7 of 26
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Established Contributor

Re: CSP - Went for it!

Worst case you recon. Regardless this is gonna be in the approvals section soon enough
03/09 EX- 701 TU- 716 EQ- 684 || 12 Mnth Inq EX- 3 TU- 1 EQ- 4
Last late Payment Feb '14(180 Days) || Oldest ACC- 4 Yrs
AAOA- 1.8 years || Total CL 84k || Goal: 700 across the board


Message 8 of 26
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Frequent Contributor

Re: CSP - Went for it!

Good luck
Nov 2014 500s April 2016 TU 707 EQ 690 EX 663 May 2017 TU 718 EQ 708 EX 701
CSR 12K United Explorer 12k Cap One QS 10.6K Discover 7.8k Freedom 4k Unlimited 4.4k AMEX Platinum NPSL
Message 9 of 26
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Regular Contributor

Re: CSP - Went for it!

Thank you all, I'm so nervous and excited! Our "best" card so far has been the Quicksilver... the utilization was really holding us down but ever since I've been on these forums, our scores both have risen 50+ points in the past 4 months!
Message 10 of 26
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