CSR/CSP multiple denials

[Anonymous]

I have 2 cards with Chase, both with $500 CLs. They're my oldest accounts (12-13 years) so I've kept them open despite the toy limits and no rewards. Most of my spending is on travel so the Chase card I really want is a CSR. Every 6 months or so for the past couple years I've applied for the CSR or CSP (or both) and been denied every time. Called recon each time, denied again. Chase seems to pull EQ+EX where my FICOs are 719 and 678. That said every time I get denied they also send a letter with my proprietary Chase score which has always been in the 620s. The reason for denial is usually some version of "too much delinquency". The only collection on any of my reports was a $50 medical collection from more than 6 years ago which just fell off (early?) a few days ago. Apart from that I also have a $6k credit union credit card charge off (not on EQ) and a 30+60 on one of the Chase cards, both from 5 years ago. Despite all of this I've had no problem getting approved for 3 Amex cards with >$10k in total limits (1-3 years ago, when the derogs were fresher). Obviously Chase will know about the 30+60 on their own account forever regardless of what's on my CR. Is it worth it to keep trying every time something falls off or should I just wait until the charge off drops in 2021?

[CreditInspired]

Hi and welcome

Yep, it seems your internal score and history with Chase are the culprit. Have you tried applying for the Freedom or Freedom Unlimited?

[Anonymous]

One of them already is a Freedom that I PC'd from a Slate. That only leaves the Unlimited (if Chase even lets you hold both, which I read they don't for the CSR/CSP).

[Remedios]

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@Anonymous wrote:

I have 2 cards with Chase, both with $500 CLs. They're my oldest accounts (12-13 years) so I've kept them open despite the toy limits and no rewards. Most of my spending is on travel so the Chase card I really want is a CSR. Every 6 months or so for the past couple years I've applied for the CSR or CSP (or both) and been denied every time. Called recon each time, denied again. Chase seems to pull EQ+EX where my FICOs are 719 and 678. That said every time I get denied they also send a letter with my proprietary Chase score which has always been in the 620s. The reason for denial is usually some version of "too much delinquency". The only collection on any of my reports was a $50 medical collection from more than 6 years ago which just fell off (early?) a few days ago. Apart from that I also have a $6k credit union credit card charge off (not on EQ) and a 30+60 on one of the Chase cards, both from 5 years ago. Despite all of this I've had no problem getting approved for 3 Amex cards with >$10k in total limits (1-3 years ago, when the derogs were fresher). Obviously Chase will know about the 30+60 on their own account forever regardless of what's on my CR. Is it worth it to keep trying every time something falls off or should I just wait until the charge off drops in 2021?

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Hi and welcome 

That 620 internal risk score is pretty low.  If you've had Chase cards for that long, and they are not giving you any pre-approved or prequalified offers, something in your profile is quite "bothersome" to their computer. You did not elaborate on how the rest of your profile looks like, especially new accounts and utilization on your other cards. 

I've seen a lot of approvals with COs present and/or including past delinquencies with Chase cards, so there has to be more to this story, at least in their eyes. 

I would look into other travel card options for the time being. 

[Anonymous]

I've gotten 2 Amexes in the past year (6 and 9 months old) but 2 of the CSR/CSP apps were before those when my next newest account was an auto lease from 2014. Util is around 15% though I've had >200% util on Chase cards several years back (temp CLI while traveling, auto reduced 3 months later and only min payments for a while). I've thrown the Chase cards 1-2 purchases a month keeping them near $0 for the last couple years.

Complete picture is:

BofA, $300, Opened 1/2006 Closed 3/2008

Chase, $300, Opened 9/2006 Closed 9/2007

Chase, $500, Opened 9/2007 (worst 60)

Chase, $500, Opened 11/2007

BofA, $300, Opened 1/2008 Closed 9/2011

Barclays, $500, Opened 3/2008 Closed 8/2008

NFCU, $7k, Opened 11/2008 CO 10/2014 (CO)

BofA, $5k, Opened 7/2009 Closed 11/2014 (worst 60)

Amex, $2k, Opened 6/2016 ($4k SL, $2k shifted to new card in 11/2018)

Amex, NPSL, Opened 9/2018

Amex, $8k, Opened 11/2018

No inquries except Chase. The Amexes were both preapproval soft pulls.