APPROVED FOR CSP WITH 650 FICO!!!

[Anonymous]

Haha yeah CSP not CSR.

[Anonymous]

Thank you 😊 I am only 23 so I feel pretty accomplished. I am aiming for a higher score score this year 😊

[Anonymous]

Thank you 😊 So strange because prior to me sending the apps for freedom and CSP, I inquired to AMEX for a CLI of $1000 and got denied.
I do not understand why AmEx, a company I have established credit history, denies me of a CLI, and Chase approves me for 2 cards both with a higher credit limit!?

[Anonymous]

CONGRATS!!

[Anonymous]

Congrats on your recent success!!

[theBeardedNerd]

Congrats on your approvals!!!

[AverageJoesCredit]

Congrats Op and welcome to the forum. May i ask what income you are reporting for a dp, thank you

[Anonymous]

This makes me want to jump the garden wall. Congrats

[sjt]

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@Anonymouswrote:
Hello everyone! I am new to this forum and wanting to tell you about my experience with getting approved for the Chase Sapphire Preferred! I mainly use CreditKarma to monitor my credit scores but I recently checked my FICO score. My TU is 643 and EXP is 644 and FICO is 650 (AMEX offered free reports).

My credit history is only 1 year. I had only 3 credit cards prior to checking pre-qualified offers from Chase on a Wednesday night Feb 20th. No bankruptcies, derogatory marks, or late payments. I have a car loan from Capital One which I make monthly payments on. The only thing that does stand out is a high utilization but I always pay more than the minimum payment.

I was iffy to submit an application for the CSP so I originally applied for the Chase Freedom through their prequalified and immediately got approved for $2000 SL. And I read on myFICO forums that I’d you apply, you might as well apply for another card since it does 1 HP. And I took a chance since I recently had not applied for any new cards, and submitted an application for the CSP and got immediately approved for $5000 SL!
They approved me for 2 cards within 10 minutes!!

Here are a list of my 3 credit cards I had prior to approval of Chase Freedom and CSP:

CITI BANK Secured MasterCard $1000
American Express $1000
Care Credit $500.

I am so surprised I even got approved with my Fico score and credit report. Time to take advantage of the sign up offers!!!!!!

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Congrats!
I would work on getting your utilization down which would make your score go up. Also, would garden for a while. Chase has been known to take AA with folks that open up accounts after they got their chase cards.

[Anonymous]

What do you mean by AA?? I do plan on getting my utilization down! It will definitely help with getting more credit lines.