CSP application

[Anonymous]

Got an approval for Discover IT and AMEX BCE this week. Thinking of applying for CSP. The sign up bonus is tempting...50,000 bonus points for $4000 spent.

My stats are below, but I have 3 collections (paid) that are 6 years old and one judgement that's also 6 years old. What are my chances? or should I wait until those baddies falls off next year.

I know about the 5/24 rule. Do store cards counts because I got 4 store cards last year.

My income is 68k.

[iheartwings]

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@Anonymous wrote:

Got an approval for Discover IT and AMEX BCE this week. Thinking of applying for CSP. The sign up bonus is tempting...50,000 bonus points for $4000 spent.

My stats are below, but I have 3 collections (paid) that are 6 years old and one judgement that's also 6 years old. What are my chances? or should I wait until those baddies falls off next year.

I know about the 5/24 rule. Do store cards counts because I got 4 store cards last year.

My income is 68k.

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Congrats on your approvals.

Yes, store cards count against 5/24. 

[Anonymous]

Sounds like you're over

[RonM21]

Yes I believe they count. So I don't think you should app, but congrats on the approvals.

[Anonymous]

Congrats on your approvals, OP! I agree with the others that waiting is probably the best strategy. But one thing to add: check the Chase Prequalified site, those are usually reliable, unless 5/24 rules against you. Good luck!

[SouthJamaica]

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@Anonymous wrote:

Got an approval for Discover IT and AMEX BCE this week. Thinking of applying for CSP. The sign up bonus is tempting...50,000 bonus points for $4000 spent.

My stats are below, but I have 3 collections (paid) that are 6 years old and one judgement that's also 6 years old. What are my chances? or should I wait until those baddies falls off next year.

I know about the 5/24 rule. Do store cards counts because I got 4 store cards last year.

My income is 68k.

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I don't think you'd qualify yet, but you could check their pre-qual site.