CSP odds

[alexak]

I know this question gets asked a lot and I've scoured the forum for situations similar to mine. I'm starting to travel a lot for work (to Asia every 2-3 months, for 2 weeks at a time) and would like the CSP. Score and Profile details below:

-28 years old, $71,500 annual income
-EX 677, TU 733 (FICO), EQ 699 (FAKO)
-AoAA 3 year 7 months
-Last derog- 90 day late 6 years ago
-Currently hold the Freedom since Mar 2013 in good standing; $3000 CL with a balance of $90.
-Paid off auto loan through Chase- never late, checking and saving account through Chase as well.
-Highest CL cards are Venture @ $9000 (zero balance) and Patelco CU Visa at $8,000 ($5k balance)
-Total util across all cards is 12%

What are my odds of approval? Should I wait a bit longer (next trip to Asia is November), or would I be ok to app now? I don't have any pre-qualified offers showing...

TIA

[alexak]

Apologies- transposed EX and TU scores--

EX is 733
TU is 677

[Anonymous]

Just read through your post, and basing from your stats, you have a pretty good chance of approval. I've read that the UW criteria for the CSP would only require a year or more of credit history. Having an existing relationship with Chase will help you, plus your existing credit lines are competative enough for them to grant you with a good SL. But I'd say check their Pre qual offers for the card since I've heard that is pretty much a great platform to check your approval chances. Best of luck and i'm sure you'll have some good news to report to this forum.

[alexak]

Thanks for the reply @clark_d_shark . I check the pre-qual offer page as well as "my offers" in my account page and nothing is showing . I'm pretty sure I'm opted in.

[K-in-Boston]

I would check the credit pulls database for your state and Chase.  If they are only looking at your (revised in later post) EX score, I would say that an approval is very likely.  However they do pull other reports and sometimes pull two, in which case I would say the chances are a little more marginal.  Do you think that your scores will improve in any drastic way over the next 2 months?  Have you considered other travel cards from other lenders, or is there a specific need/reason for the CSP?

Edit: I'd also caution against not taking the approvals there without a big grain of salt.  The person with 2 current collection accounts, 87% util and a 628 EX score did not get an instant approval for a $20,000 Chase Sapphire Reserve.

[Anonymous]

---

@alexak wrote:
@Anonymous for the reply @Anonymous . I check the pre-qual offer page as well as "my offers" in my account page and nothing is showing . I'm pretty sure I'm opted in.

---

What does the message say? Not opt in? or no offers found?

[alexak]

---

@K-in-Boston wrote:

I would check the credit pulls database for your state and Chase.  If they are only looking at your (revised in later post) EX score, I would say that an approval is very likely.  However they do pull other reports and sometimes pull two, in which case I would say the chances are a little more marginal.  Do you think that your scores will improve in any drastic way over the next 2 months?  Have you considered other travel cards from other lenders, or is there a specific need/reason for the CSP?

Edit: I'd also caution against not taking the approvals there without a big grain of salt.  The person with 2 current collection accounts, 87% util and a 628 EX score did not get an instant approval for a $20,000 Chase Sapphire Reserve.

---

I've checked that and the information seems to be all over the place, and I've read elsewhere that it can be unrealiable.

I have the Cap1 Venture card, however I fly United with work so I'd like to maximize my points if possible. The CSP seems to have a best redemption value (I've looked at the United/Chase co-branded card awell). Not sure how much my scores will improve. 

[alexak]

---

@Anonymous wrote:

---

@alexak wrote:
@Anonymous for the reply @Anonymous . I check the pre-qual offer page as well as "my offers" in my account page and nothing is showing . I'm pretty sure I'm opted in.

---

What does the message say? Not opt in? or no offers found?

---

" We are unable to locate any offers for you at this time.

This may be because you have opted out of "pre-screened" offers from Chase and other companies or you have recently responded to another offer from Chase.

However we may still have products to meet your needs. Please continue to chase.com" 

I have not responded to any offers from Chase in the last 3-4 years.... 

[alexak]

Just out of curiosity, I checked Citi's Pre-qual and Amex's Pre-qual site:

Citi had nothing for me (I already have the Double Cash card)

Amex said I was Pre-Qualified for Everyday, BCE, and Platinum. (I do not have an AMEX yet)

[K-in-Boston]

Amex is what I was hinting at when I asked if you had considered travel cards from other lenders.  With your EX score and other stats, approval would be almost guaranteed unless there's some other factor not in your first post.  Not saying that the CSP is out of the question, but I wouldn't feel comfortable encouraging you to go into it expecting a quick and easy approval.