Chase CSP Pre qualified?

Anonymous · ‎09-09-2015

Hello I am intersted in getting the csp since it shows im pre approved on the chase site .The question is now with the 5-24 rule would i get approved. In the last 24 months I have amex everyday -6k, amex gold charge card , Home depot 5k ,capital one 3.5k , citity furniture 5k ,and closed capital one secured card. I also have store cards from express and jcrew 1k each. Do the store cards count towards the 5 card limit, what about the charge card and my closed secured card?

I have 11 inquires on equifax (because of mortgagte shopping and opened accounts above ) so I dont want to wast a HP. Any advice

My currect fico's are all above 730.

Thank you

Anonymous · ‎09-09-2015

There is some ambiguity about whether or not Chase is including store cards in the equation, or just majors. No definitive answer.

Anonymous · ‎09-09-2015

hmmm has anybody get approved over the 5/24 rule because they were pre approved on the chase site?

Anonymous · ‎09-09-2015

@Anonymous wrote:
hmmm has anybody get approved over the 5/24 rule because they were pre approved on the chase site?

Some people have reported the opposite. Had the pre approval and then were denied because of the 5/24 rule.

Anonymous · ‎09-09-2015

@Anonymous wrote:
Hello I am intersted in getting the csp since it shows im pre approved on the chase site .The question is now with the 5-24 rule would i get approved. In the last 24 months I have amex everyday -6k, amex gold charge card , Home depot 5k ,capital one 3.5k , citity furniture 5k ,and closed capital one secured card. I also have store cards from express and jcrew 1k each. Do the store cards count towards the 5 card limit, what about the charge card and my closed secured card?
I have 11 inquires on equifax (because of mortgagte shopping and opened accounts above ) so I dont want to wast a HP. Any advice

My currect fico's are all above 730.

Thank you

They don't count store cards. Report back with results if you do apply. There seems to be some exception to the rule 5/24 rule.

Anonymous · ‎09-09-2015

@Anonymous wrote:
@Anonymous wrote:
Hello I am intersted in getting the csp since it shows im pre approved on the chase site .The question is now with the 5-24 rule would i get approved. In the last 24 months I have amex everyday -6k, amex gold charge card , Home depot 5k ,capital one 3.5k , citity furniture 5k ,and closed capital one secured card. I also have store cards from express and jcrew 1k each. Do the store cards count towards the 5 card limit, what about the charge card and my closed secured card?
I have 11 inquires on equifax (because of mortgagte shopping and opened accounts above ) so I dont want to wast a HP. Any advice

My currect fico's are all above 730.

Thank you
They don't count store cards. Report back with results if you do apply. There seems to be some exception to the rule 5/24 rule.

Cool, a definitive answer.

Go for it, OP!

Anonymous · ‎09-09-2015

Over the last 10 months, I opened,Qs, merrick, fairwind(cu), discover and a Sears store card. Got prequal for csp. Apped at the beginning of a spree on 8/18 and instapproved. Chase isn't a score based lender, but my ficos for ex/tu were 692.

They don't count store cards, seeing as I had total cards since October,1 being Sears.

Anonymous · ‎09-09-2015

i applied got- Thank you for responding. Your response requires further review before making a decision.

Should I call or should i wait?

Anonymous · ‎09-10-2015

I called the recon # from the sticky . Went directly to a live rep who put me on hold came back said I was approved for 18k !!! My highest limit yet.

Anonymous · ‎09-10-2015

@Anonymous wrote:
I called the recon # from the sticky . Went directly to a live rep who put me on hold came back said I was approved for 18k !!! My highest limit yet.

Rock on!!!!