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Approved for CSP with $26K. It's been a long road back

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Approved for CSP with $26K. It's been a long road back

Back in late 2009/early 2010, when my credit was at its worst, I had a ~$6,000 charge-off with Chase.  As I rebuilt my credit over the ensuing years (thanks to the help of this place), I put together a nice portfolio of cards.  But I tried applying for Chase cards a couple times, and was always shot down.

 

Well, it's been a few years since my rebuild has been complete.  My scores are all in the high 700s, my balances are all $0 (except for my monthly Amex PRG balance) and I haven't opened a new card since early 2014.  I was showing some preapprovals from Chase, so I figured I'd give it a try.  Spent some time trying to decide between the CSP and the CSR, but since the sign-up bonus is the same for both at the moment, I figured I'd start with the CSP.  Instantly approved for $26,000!  It feels great!

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Re: Approved for CSP with $26K. It's been a long road back

26 thousand reasons to feel like Tony the TigerSmiley Wink CongratsSmiley Happy
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Re: Approved for CSP with $26K. It's been a long road back


@LionLawwrote:

Back in late 2009/early 2010, when my credit was at its worst, I had a ~$6,000 charge-off with Chase.  As I rebuilt my credit over the ensuing years (thanks to the help of this place), I put together a nice portfolio of cards.  But I tried applying for Chase cards a couple times, and was always shot down.

 

Well, it's been a few years since my rebuild has been complete.  My scores are all in the high 700s, my balances are all $0 (except for my monthly Amex PRG balance) and I haven't opened a new card since early 2014.  I was showing some preapprovals from Chase, so I figured I'd give it a try.  Spent some time trying to decide between the CSP and the CSR, but since the sign-up bonus is the same for both at the moment, I figured I'd start with the CSP.  Instantly approved for $26,000!  It feels great!


Good show, way to go!

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Re: Approved for CSP with $26K. It's been a long road back

Congratulations on the Chase approval and rebuild.
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Re: Approved for CSP with $26K. It's been a long road back


@LionLawwrote:

Back in late 2009/early 2010, when my credit was at its worst, I had a ~$6,000 charge-off with Chase.  As I rebuilt my credit over the ensuing years (thanks to the help of this place), I put together a nice portfolio of cards.  But I tried applying for Chase cards a couple times, and was always shot down.

 

Well, it's been a few years since my rebuild has been complete.  My scores are all in the high 700s, my balances are all $0 (except for my monthly Amex PRG balance) and I haven't opened a new card since early 2014.  I was showing some preapprovals from Chase, so I figured I'd give it a try.  Spent some time trying to decide between the CSP and the CSR, but since the sign-up bonus is the same for both at the moment, I figured I'd start with the CSP.  Instantly approved for $26,000!  It feels great!


Congrats! Just to clarify, you never paid the Chase charge off and they approved you?

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Re: Approved for CSP with $26K. It's been a long road back

Congratulations that's a really nice SL! Nice job on rebuilding!

.:: Chase Amazon Prime Signature Visa | $12,300::.
.:: Wells Fargo Platinum | $3,000::.
.:: Target | $400::.
.::02.15.18::. EQ-758 | TU-764 | EX-761
Goal: 800+ EX:TU:EQ
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Re: Approved for CSP with $26K. It's been a long road back

Nice job! Great sl, so, congrats!

Am Ex | BOA | Chase | Citi | Disc | PenFed | USB | 390K Club
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Re: Approved for CSP with $26K. It's been a long road back


@Treasurecreditwrote:

@LionLaw

Congrats! Just to clarify, you never paid the Chase charge off and they approved you?


The balance got sent to a debt collecter.  I settled in full with them in 2010.

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Re: Approved for CSP with $26K. It's been a long road back

Congrats on your approval there!
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Re: Approved for CSP with $26K. It's been a long road back

Nice comeback. Sweet starting line.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
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