CSP - what is the minimum length of credit history needed?

[Discover2016]

When I was approved for CSP I only had a year of history, it was a short but clean file.

[Anonymous]

It probably helps to have another $5K+ CL to show that you can handle it properly.  CSP is a hard one with an already conservative lender.  

[Anonymous]

When approved, I had just over a year of credit history, income ~40k,  a Freedom that was a few months old at 5k+, a FICO around 660 (two medical collections) and a banking relationship with Chase. There are many factors that go into it, it seems. With my profile Captial One gave me a 10k QS prior to my application for CSP. Prior to that my only card was a store card with a 900 limit. Credit is a weird beast that is never the same for each person. 

[Anonymous]

I applied for my Chase Freedom in August with 10 months of limited history. I had cap 1 qs1, Victoria Secret and overstock - total credit was $6.7k.   Chase approved me for $10k and 12.99% apr. Before I applied, I checked the pre-qualifier and saw CSP, freedom and slate.  I have seen others with limited history post approvals.  My scores were similar to yours and my utilization was minimal.  Hang in there. It shouldn't be too much longer.

[Anonymous]

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@Anonymous wrote:

When approved, I had just over a year of credit history, income ~40k,  a Freedom that was a few months old at 5k+, a FICO around 660 (two medical collections) and a banking relationship with Chase. There are many factors that go into it, it seems. With my profile Captial One gave me a 10k QS prior to my application for CSP. Prior to that my only card was a store card with a 900 limit. Credit is a weird beast that is never the same for each person. 

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Yeah, I forgot the banking relationship.  That might be what gets you in the door at a lower score than someone who's not banking with Chase, depending on assets and such. 

[vanillabean]

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@Anonymous wrote:

It probably helps to have another $5K+ CL to show that you can handle it properly.  CSP is a hard one with an already conservative lender.  

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Yet the young front desk person at DW's dentist told me the other day she has the CSP card. I paid with mine and got an instant text on my iPhone, so she was wondering if she could too. Maybe one day she and I will get a chance to discuss credit, lol.

[Anonymous]

I have 7 months total of credit, i got a chase freedom a couple months ago with a crappy 500.00 cl, since then though i have amex, discover, amazon, and already had cap 1, i applied for csp 2 weeks ago, went through verification and 7500 cl, i find it humorous they give me a freedom with 500 and a csp with 7500, but whatever. I have banked with chase for 8+ years though, might be the key, but my history is shorter then your's is. I also never got a pre qualify for the csp, just cold apped and approved.