CSP and/or Freedom Chances

[Anonymous]

Not too mad anymore. The inquiry didn't effect my score due to discover reporting my cli. It evened out ,So it's a good day! Haha

[Anonymous]

I'm glad it all worked out! I'm still trying to get up to your level with other creditors!

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@Anonymous wrote:
Not too mad anymore. The inquiry didn't effect my score due to discover reporting my cli. It evened out ,So it's a good day! Haha

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[Anonymous]

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@Anonymous wrote:

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.

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You have an amazing offer for the Freedom. My regular interest rate they offered me was about 21%. GO FOR IT!!!

[Anonymous]

You will get there. It took me 3 months to finally get into the 700's. Seemed like a year. I shyed away because of the judgement still reporting. Can't wait for that to come off in a few months.

What cards do you have now?

[Anonymous]

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

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Sorry, bit of a dumb question, but can you explain what you mean by "the new account thing"? Sorry, just trying to get as much knowledge about credit as possible.

[Anonymous]

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@Anonymous wrote:
You will get there. It took me 3 months to finally get into the 700's. Seemed like a year. I shyed away because of the judgement still reporting. Can't wait for that to come off in a few months.

What cards do you have now?

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I have some pretty good ones so far but most are from Chase so I want to be able to diversify. My current line up is Discover It, Chase Freedom, CSP, SWA, Marriott, a Visa from my local credit union, and most recently a Delta AMEX Gold that I was shocked to get LOL. My scores are ratehr low again because of the hits I've taken for inquiries, new accounts and, utilization while I was trying to figure out how they new accounts reported. I think they will climb again once things level off. There are three cards that I have my eye on once my scores climb after some gardening: AMEX BCE, Cap 1 Venture and Hyatt. I'm gonna try for these around Nov-Dec.

[Anonymous]

Yesterday i apped for chase freedom, but was immediately denied because I opened up more than 5 new accounts (different creditors) in the past 2 years. The lady counted 8. 😔 little did she know I just got a citi double cash, venture, and Amex Ed. She probably would have hung up on me. 😂

[Anonymous]

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@Anonymous wrote:

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

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Sorry, bit of a dumb question, but can you explain what you mean by "the new account thing"? Sorry, just trying to get as much knowledge about credit as possible.

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Not a dumb question! Chase has a new policy of automatically denying apps for their in house cards (Freedom, Slate and CSP) if the applicant has more than 5 new accounts in the last 2 years. You won't have that problem though.

[Anonymous]

You have some good cards. I don't think you will have any problems obtaining them. I wanted the bce but decided to go for ED instead. I was nervous about the judgement being there.

[Anonymous]

What are you scores spoiledgrly?

OP app for it, you're pre qual already. Youve got this.