So right now I'm on 5/24 jail and gardening for Chase. The only relationship I have with them was an Auto Loan all paid 5 years ago. Any recommendation on what card to apply for? Looking at CSP or CFU. If I apply for CSP and gets denied, do they offer you a lower end card like CFF or CFU? How long before you can apply again if you get denied (under 5/24 of course) ? Or should I just apply getting a CFU just to get my feet in the door? Thanks in advance.
AAoA 6yrs 8mos Inquries: TU3/EQ4/EX3 Utilization: 7% Mortgage: 1 Auto Loan: 2 Personal Loan: 2 Derogatory: 0
EX- 585, TU- 583, EQ- 563 CURRENT SCORE UPDATED: 6/2021 FICO 8 EX 733 TU 726 EQ 743 FICO 9 EQ 755
All of their cards are under a 5/24 restriction, unfortunately. If you apply for CSP and your application is not approved, they will not consider for CFF or CFU. The only way to bypass the 5/24 restriction is through a pre-approved offer in-branch or online (black stars or green check mark offers).
Wait until you're off the 5/24 restriction. If denied for any of their cards you can reapply for the same product after 30 days.