CSP and/or Freedom Chances

[Anonymous]

Hi all... Just graduated law school and am looking to get my first card. Went to Chase Pre-Qual site and was pre-approved for CSP, Freedom and Slate. What do you think the chances are of me getting either as a first real card? Secured a position for after I take the bar for $85k. Checked the CreditOne pre-qual site and got denied with a 775 rating from Equfiax. Just wondering if this is feasible... Thanks guys.

[OmarGB9]

Just as well credit one didn't take you. You're way above the credit scores they cater to anyway. If you're prequalified for all 3 of chase's flagship cards, I'd say you're in good shape. However, what do your CRs look like? Any baddies? AAoA?

[Anonymous]

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@OmarGB9 wrote:
Just as well credit one didn't take you. You're way above the credit scores they cater to anyway. If you're prequalified for all 3 of chase's flagship cards, I'd say you're in good shape. However, what do your CRs look like? Any baddies? AAoA?

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This would be my first real credit card, so I guess the AAoA would be zero? I have a card in my name under my mother's card (authorized user), so idk if that has anything to do with anything.

[Anonymous]

If you are prequalified then I would apply for any of the cards with benefits that match your lifestyle. The CSP is great if you are a traveler...If you don't travel then it's far from ideal. The Freedom is a pretty good "catch-all" card - not the best in any specific category but very flexible.

Be sure to apply for Chase cards first if you are looking at other bank cards (Citi, Barclays, Cap1, etc) because Chase implemented a policy that automatically denies applicants if they have more than 5 new accounts opened in the previous 2 years. I understand their reasoning (stop the churners) but it can be a pain in the rear for those trying to build their credit portfolio.

[Anonymous]

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@Anonymous wrote:

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@OmarGB9 wrote:
Just as well credit one didn't take you. You're way above the credit scores they cater to anyway. If you're prequalified for all 3 of chase's flagship cards, I'd say you're in good shape. However, what do your CRs look like? Any baddies? AAoA?

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This would be my first real credit card, so I guess the AAoA would be zero? I have a card in my name under my mother's card (authorized user), so idk if that has anything to do with anything.

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If I were you I'd app for the Freedom and the CSP on the same day. The Slate is worthless to you if you don't have any balance transfers to make. Freedom and CSP most likely would be the same HP and they work great together for earning UR points. Stay as far away from Credit One as possible. Your scores are too good for their crap cards.

[Anonymous]

Good luck

[Anonymous]

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@Anonymous wrote:
Good luck

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Do you think I have a decent chance of getting one or both?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Good luck

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Do you think I have a decent chance of getting one or both?

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Our friend Kaylava is mad at Chase right now LOL

[Anonymous]

Lol no, I was serious. 😁 you don't have to worry about the new account thing so I would say you're golden. 😊

[Anonymous]

Just to let everyone know about the offers... CSP: 15.99% Purchase and $5 or 3% BT; Freedom: 0% Intro for 15 billing cycles and then 13.99% thereafter.