@Anonymous wrote:2 for 1 HP deal? I'm not buying a computer haha
Thanks for the enthusiam, I'll sit on it for awhile and get the bonus from the freedom first.
Isnt it true that you could technically pay yourself to get that spending mark at the end of the time frame if you havent hit the goal yet?
If it's a card that you really want, I would just go ahead and apply for it now or tomorrow. I really think you will be approved. You have good scores. The only thing they may want to see is a card with a 5k or above limit. If you do decide to apply, I would def do it within a week or two so that they use the same HP. I was blacklisted and applied for the CSP and was approved after getting the 7-10 day message. I then applied for the Freedom a week later and was approved the same way and they used the same HP. Good luck if you decide to go for it!
When you were denied, did you call for a recon? Did they give you reasons as to why? What did the denial letter say? YMMV, but if you are denied, you can call the recon department and explain your situation and hear what they have to say. I've heard Chase has one of the best recon departments, so you should def take that route if denied.
Blacklisted = automatically denied or given 7-10 review message because of a past derogatory relationship with a bank (i.e. chargeoff, BK, etc.) In my particular case, I had a charge off with Chase in 2009.
@Anonymous wrote:Oh interesting. Well the thing is I tried to get the CSP a month ago and was denied, then i applied for the freedom today and got it. Still think I should go for it?
Also what do you mean by blacklisted?
OP, you are a student on limited income? Might want to wait. The "2 for 1" sounds like a good deal, until you start stacking multiple spend requirements that are not in your normal CC budget. No, you can't pay yourself to complete the spend requirement. HP are free. They fade with time. Cash, however, does not like to be triffled with.
My advice is to just enjoy the no-AF Freedom for now, get that spend bonus covered, then a few months down the road (there is not a rush for this) app the CSP when you know you have enough spend lined up to cover that as well. The UR points will wait quietly in the Freedom account. No sense getting carried away with any app sprees right now.
@NRB525 wrote:
@Anonymous wrote:Oh interesting. Well the thing is I tried to get the CSP a month ago and was denied, then i applied for the freedom today and got it. Still think I should go for it?
Also what do you mean by blacklisted?
OP, you are a student on limited income? Might want to wait. The "2 for 1" sounds like a good deal, until you start stacking multiple spend requirements that are not in your normal CC budget. No, you can't pay yourself to complete the spend requirement. HP are free. They fade with time. Cash, however, does not like to be triffled with.
My advice is to just enjoy the no-AF Freedom for now, get that spend bonus covered, then a few months down the road (there is not a rush for this) app the CSP when you know you have enough spend lined up to cover that as well. The UR points will wait quietly in the Freedom account. No sense getting carried away with any app sprees right now.
Ah I see. I didn't realize OP was a student. If that's the case, I also agree with the above. Outside of the bonus points that you'll get when you hit the 4k, you probably won't put enough spend on this card to make it worthwhile after that point.
Vispercon...I mentioned that above.