CSP: “You’re Already Approved” & “Pre-Selected” Offers

[Anonymous]

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@Anonymous wrote:
Didn’t apply yet. Waiting till I reach my garden goal. Hopefully a can make it until then lol

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If you want or need the card, I would just go for it. Your AoYA will reset regardless of when you apply. Is there a prize for 2 years of Gardening? 

[Anonymous]

Nope. Just called something like following through 😆

[Anonymous]

I agree with Smart007, going in will provide more info to make a decision on. And possibly what the SL will be.

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@Anonymous wrote:
Didn’t apply yet. Waiting till I reach my garden goal. Hopefully a can make it until then lol

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What exactly is your garden goal though? 

AoYA is over 12, no HP in last 12 months, and you seem to be under 5/24. Since you only have 4 CC's.

I think if you go in and test the waters without a HP, you might get sense of where you stand. The sooner you get your goal cards, the sooner you can age your file.

just my .02¢

[Anonymous]

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@Anonymous wrote:
Nope. Just called something like following through 😆

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The whole point of gardening is to get your goal cards. If you can get it, go for it.

[FinStar]

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@Anonymous wrote:
Nope. Just called something like following through 😆

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Nothing wrong with that notion OP.  I would say do what's best for you.  You don't have to give in to peer pressure 😁.   For instance, I would jump on the Chase and Gold Card opportunities because I'm a sucker for these things, but on the other hand I would respect someone else's choice if they prefer to wait.  At the end of the day, it's your profile and you came here for advice regarding the pre-approved/approved offer.

You can always run the numbers to determine about hitting the minimum spend for both goal cards and decide from there.  Either way, when you're ready, best of luck! 

[FinStar]

@Anonymous, as it appears the main question has already been addressed regarding the CSP pre-approval offer and as this thread has evolved to an already existing discussion as far as your strategy, this thread is now locked and closed to new messages.

Additional comments or discussion can continue in the thread below:
https://ficoforums.myfico.com/t5/Credit-Cards/App-Every-Six-Months-Tactic-Question/td-p/5896932