thoughts on app odds for CSP

[Anonymous]

I was searching for a bit of insight and wisdom before I do in branch app for CSP: 7 open cards at 50%. No bads, 10 year average age, 2 inqs in 2 years, no new cards in 4 years, 708 ex, 730 eq, 699 trans. not a chase customer, but was once an authorized user on a chase card with $20,000 limit.

Looking to sign up for the 50,000 bonus points and to use as my main card. Thoughts on approval chances? Thanks!!!

[Anonymous]

original poster here: meant CSP not reserve!!!

[simplynoir]

Those 7 cards with 50% utilization total for all cards I'm assuming? I would bring that utilization down some before attempting to apply unless perhaps you have a pre-approval in branch waiting for you. Even then I'd bring that UTL as first priority.

[Remedios]

If you are carrying balances, CSP may not be the card for you, unless those are in 0% promo. 

If you drop the utilization a bit, I think you'll get an approval.