Walked into a local branch to pay my CSP balance today. Just for giggles, thought I'd ask if I had any pre-approvals. Banker came back with the news that I'm pre-approved for both the CFU and CF. Both are on my radar and thought I'd share some DPs.
- Just under 3 months since I got my CSP with a limit of $5,000. I've put almost $10,000 in spend on it since then.
- Never carry a balance.
- I've been a banking and credit card customer since 2017. I call Chase my "fun money" account and direct deposit less than 10% of my paycheck there each month.
- I never have pre-approvals, neither online, nor through the app. I have to go in to the branch for pre-approvals.
- Currently 4/24. I was 3/24 when I got my CSP. I'll be 2/24 in September.
- I was practicing AZEO for a mortgage refinance but my mistakes caused my scores to drop in the last 2 months. First, my lender wanted to see all accounts at $0. That caused a small dip in my scores. The next month, I let 1 account report but I was stupid and let my AMEX gold report. That caused my scores to take a substantial tumble.
- This month, my Cap1 MC will be the only account to report a small balance. Hopefully, my scores recover.
I surprised myself by walking out without apping for the CFU (which I've been wanting since the 3% promo started). I'll wait for my scores to go back up and then I'll be back for that CFU.
Also, the banker said that the 3% offer could go away at any time, but she didn't think it would be until the next quarter on July 1st.
