CSP

[Anonymous]

What are my chances of getting approved for CSP?

Details

Amex BCE 3500$

Amex ED 500$

DCU  1000$

Barclays Rewards 1000$

Capital one 3500$

Discover  1000$

Bank of America 1500$

Total Limit 12000$

Aaoa is 8 months

Oldest card is 15 months

Inquiries 23 experian

I applied for Freedom last month before and was denied saying too many new accounts open and too mnay new enquiries

[chalupaman]

You have over a year of history which is good. Chase likes to see that. Not sure about your chances for the CSP though since you've never had a product with them. Have you tried their prequal website yet?

I think Chase's AF cards are generally easier to get than stuff like Freedom from my experience and you could always recon if you get denied for the card. Those are a lot of recent inquiries though and you might have to explain what those are about and the new accounts if they pull EX too for the CSP. Yet again, I had a lot of inquiries on EQ when I got approved for the SW card back in August and really made it clear to Chase when my app was in verification that I wanted to build more of a relationship with them and all that stuff and boom, $5k limit right out of the gate. They gave me my highest limit at the time too.

[Anonymous]

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@Anonymous wrote:

What are my chances of getting approved for CSP?

Details

Amex BCE 3500$

Amex ED 500$

DCU  1000$

Barclays Rewards 1000$

Capital one 3500$

Discover  1000$

Bank of America 1500$

Total Limit 12000$

Aaoa is 8 months

Oldest card is 15 months

Inquiries 23 experian

I applied for Freedom last month before and was denied saying too many new accounts open and too mnay new enquiries

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If you have been denied for the freedom card, I'd heed their advice and let the accounts age for at least 3-6 montths before appying for the CSP.  The CSP has a minimum starting limit of $5,000.  So I'd wait if I were in your shoes..

[Anonymous]

Yeah I tried reconsidering 5 times and even i did sent my request to EO  for my previous application for freedom where the age of my oldest card just turned 1 year and they said because of too many inquiries and short history they can't approve even for a smaller limit to start with them. I heard that 5k is min limit to have for csp. Is it okay if i go with my existing limits? 

I checked online for prequalify it was showing only slate and freedom not csp, not sure why

[chalupaman]

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@Anonymous wrote:

Yeah I tried reconsidering 5 times and even i did sent my request to EO  for my previous application for freedom where the age of my oldest card just turned 1 year and they said because of too many inquiries and short history they can't approve even for a smaller limit to start with them. I heard that 5k is min limit to have for csp. Is it okay if i go with my existing limits? 

I checked online for prequalify it was showing only slate and freedom not csp, not sure why

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Freedom to me is a weird card in terms of getting approved for it. In the past, I've been denied for it multiple times but have been able to get their cards no problem and CSP was probably my easiest approval with them ever along with the Ritz. It's sort of like Amazon Visa and how I was denied for that several times before and was finally able to get two months ago after being with Chase for a while and working with their other products.

You might wanna look for another card with Chase to get your foot in the door, work with that card for a few months and then you can try for the Freedom and CSP later. From my experience, I think that can really make a difference if you want their main products and all. I recommend going cobranded and get something like Amazon Visa to work with. Chase's BP card doesn't look too hard to get either though I've never had it before. I even think SW might be a card you could possibly get approved for on a thin file.

[Anonymous]

Chase likes to see some age on your accounts before they let you in if you don't have an internal score with them (they like people they know, from my understanding).  So if they told you your accounts were too new on a previous app, let them simmer for several months before trying again.

[ccb2115]

Hmmmm.....what are your scores? YMMV, but I have a feeling you'll get the same response.

[Anonymous]

Ex is 717 as of today with very low utilization. I am loookingto wait for an year or more until my inquiries fall off

[ccb2115]

That's probably the best thing to do. Because the CSP is a visa signature card, it's a little harder to get. I can't imagine that you would get a different response only after 1 month. Did you call and recon the Freedom decision?

[Anonymous]

I did 5 times they just kept on saying the same thing we need to see how you handle these new accounts and coz of too many inquiries about 21 and short history they said there is no way to approve me for a penny