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Approved for CSP - Surprised by High SL

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Anonymous
Not applicable

Approved for CSP - Surprised by High SL

I'm new to being smart about my credit card choices. As I researched what would be a good next move for me and I decided I couldn't pass the current SUB for the CSP. I decided to apply and was shocked to find that I was approved with a SL of $18,900! By far my highest limit among my now five cards.

 

A feel details for the DP:

Current cards:

WF Plat $4,400   <5% utilization

Citi Rewards+ $7,600   ~15% utilization

Amex Everyday $3,000   0% utilization

BofA Alaska Airlines $7,700   0% utilization

One 11-month-old installment loan (auto)

FICO ~770, within a couple of points of that across all three

Accessible income $135,000

No baddies

 

My credit has been a work in progress and I'm super proud of how far I've come. 

 

Also, I'm new here and I really am enjoying the community and all of the great advice and conversation. 

Message 1 of 17
16 REPLIES 16
mystikal1
Established Contributor

Re: Approved for CSP - Surprised by High SL

Congrats

Message 2 of 17
coreyb80
Super Contributor

Re: Approved for CSP - Surprised by High SL

Congrats on the approval!

Message 3 of 17
M_Smart007
Legendary Contributor

Re: Approved for CSP - Surprised by High SL

Congratulations on your CSP Approval..

Message 4 of 17
AverageJoesCredit
Legendary Contributor

Re: Approved for CSP - Surprised by High SL


@Anonymous wrote:

I'm new to being smart about my credit card choices. As I researched what would be a good next move for me and I decided I couldn't pass the current SUB for the CSP. I decided to apply and was shocked to find that I was approved with a SL of $18,900! By far my highest limit among my now five cards.

 

A feel details for the DP:

Current cards:

WF Plat $4,400   <5% utilization

Citi Rewards+ $7,600   ~15% utilization

Amex Everyday $3,000   0% utilization

BofA Alaska Airlines $7,700   0% utilization

One 11-month-old installment loan (auto)

FICO ~770, within a couple of points of that across all three

Accessible income $135,000

No baddies

 

My credit has been a work in progress and I'm super proud of how far I've come. 

 

Also, I'm new here and I really am enjoying the community and all of the great advice and conversation. 


Welcome to the communitySmiley Happy

 

With an income like yours, Chase is apt to give a high limit as they usually give what they feel your profile is worth and i forsee bigger limits with them down the road. Great job and enjoySmiley Happy

Message 5 of 17
MartyWrite75
Valued Contributor

Re: Approved for CSP - Surprised by High SL

Wow!  Congratulations on your approval!  Nice SL!

April 2024: Experian 769; Equifax 779; Transunion 781


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

Message 6 of 17
AllZero
Mega Contributor

Re: Approved for CSP - Surprised by High SL

Congratulations on your approval!
Message 7 of 17
Anonymous
Not applicable

Re: Approved for CSP - Surprised by High SL

@AverageJoesCredit thanks. I would have thought so a while ago, but considering my other CLs, I was surprised to see that amount. Feels good.

Message 8 of 17
CBrow
Regular Contributor

Re: Approved for CSP - Surprised by High SL

Congrats, and welcome to the community!


Message 9 of 17
gdale6
Moderator Emeritus

Re: Approved for CSP - Surprised by High SL

A very useful card, grats on the approval Smiley Happy

Message 10 of 17
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