Time to app. Amex or CSP? Help!

[Anonymous]

Here's the list of current cards:

Wells Fargo Secured ($500) - April 2014, First card

Chase Freedom ($1200) - 6 months today.

Income is 72K

--

Prequal's I know right now

50K Amex PRG

Capital One (crap offers, credit steps)

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Card I want: CSP!

What should I do? I have 15K funds with Chase in checking+saving, Scores right now: 703 TU (3 inq), 736 EQ (1 inq) and 715 EX(2 inq)

No inquiries since August 2014 when Chase pulled TU and EQ.

Need your help!

Any other cards that I should try? What are my odds for CSP?

[Anonymous]

@Programmerguy,

Check Chase website and see if you are pre-approved.  If you are you should be fine.  If not, I think you should apply for it regardless.  You have a history and a relationship with them.  Keep us posted if you apply.

[TheGardner]

I think you need to qualify for 5k to get a CSP if I'm not mistaken.

Maybe get the Amex gold and go for the 2 for 1 HP and try for a revolver too. Get that account to over 5k. At that point you will be over 1 year of history and have a much better shot at it.

Good luck in whatever you decide, keep us posted!

[Anonymous]

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@Anonymous wrote:

@Anonymous,

Check Chase website and see if you are pre-approved.  If you are you should be fine.  If not, I think you should apply for it regardless.  You have a history and a relationship with them.  Keep us posted if you apply.

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No prequal's on the Chase website

I've heard that Chase likes to see cards in the 5K range when you want to apply for CSP, the best I have is that Freedom at $1200, is it a long shot?

[chalupaman]

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@Anonymous wrote:

Here's the list of current cards:

Wells Fargo Secured ($500) - April 2014, First card

Chase Freedom ($1200) - 6 months today.

Income is 72K

--

Prequal's I know right now

50K Amex PRG

Capital One (crap offers, credit steps)

--

Card I want: CSP!

What should I do? I have 15K funds with Chase in checking+saving, Scores right now: 703 TU (3 inq), 736 EQ (1 inq) and 715 EX(2 inq)

No inquiries since August 2014 when Chase pulled TU and EQ.

Need your help!

Any other cards that I should try? What are my odds for CSP?

---

Go for CSP either way. I think you could get it easily without a hitch.

It's the closest card I've ever gotten with Chase that has resembled an instant approval for me besides the Ritz.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

@Anonymous,

Check Chase website and see if you are pre-approved.  If you are you should be fine.  If not, I think you should apply for it regardless.  You have a history and a relationship with them.  Keep us posted if you apply.

---

No prequal's on the Chase website

I've heard that Chase likes to see cards in the 5K range when you want to apply for CSP, the best I have is that Freedom at $1200, is it a long shot?

---

Not really.. That is a myth.  You should be fine.  They base approvals on their internal score, your credit profile etc.. If you have had the Freedom for a while and have been good with it, I will apply.  Give it a shot.  You have nothing to lose....  Report back if it goes to pending and then we can plan a strategy for recon.  Now, Lets go..

[Anonymous]

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@chalupaman wrote:

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@Anonymous wrote:

Here's the list of current cards:

Wells Fargo Secured ($500) - April 2014, First card

Chase Freedom ($1200) - 6 months today.

Income is 72K

--

Prequal's I know right now

50K Amex PRG

Capital One (crap offers, credit steps)

--

Card I want: CSP!

What should I do? I have 15K funds with Chase in checking+saving, Scores right now: 703 TU (3 inq), 736 EQ (1 inq) and 715 EX(2 inq)

No inquiries since August 2014 when Chase pulled TU and EQ.

Need your help!

Any other cards that I should try? What are my odds for CSP?

---

Go for CSP either way. I think you could get it easily without a hitch.

It's the closest card I've ever gotten with Chase that has resembled an instant approval for me besides the Ritz.

---

I'm definitely going to try soon. I'm planning on going into the branch and have the banker apply for me, if it gets denied, I can ask them to request a recon and talk about the relationship with Chase and funds with them, maybe that'll help a bit!

[Anonymous]

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@Anonymous wrote:

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@chalupaman wrote:

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@Anonymous wrote:

Here's the list of current cards:

Wells Fargo Secured ($500) - April 2014, First card

Chase Freedom ($1200) - 6 months today.

Income is 72K

--

Prequal's I know right now

50K Amex PRG

Capital One (crap offers, credit steps)

--

Card I want: CSP!

What should I do? I have 15K funds with Chase in checking+saving, Scores right now: 703 TU (3 inq), 736 EQ (1 inq) and 715 EX(2 inq)

No inquiries since August 2014 when Chase pulled TU and EQ.

Need your help!

Any other cards that I should try? What are my odds for CSP?

---

Go for CSP either way. I think you could get it easily without a hitch.

It's the closest card I've ever gotten with Chase that has resembled an instant approval for me besides the Ritz.

---

I'm definitely going to try soon. I'm planning on going into the branch and have the banker apply for me, if it gets denied, I can ask them to request a recon and talk about the relationship with Chase and funds with them, maybe that'll help a bit!

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That is also a good idea....

[Anonymous]

Go for both, plus like a previous poster said, go for the 2 for 1 amex and get a revolver.  Then when it shows up ask for a 3x CLI.  

[Anonymous]

I think I'll try the CSP before the Amex cards. I really want that CSP to make that Freedom + CSP combo!