cancel
Showing results for 
Search instead for 
Did you mean: 

CSP APPROVAL after having CSP Closed by Chase past. There is hope!

tag
sterl1002
Valued Member

CSP APPROVAL after having CSP Closed by Chase past. There is hope!

I had the CSP with a $6k limit back in 2016 and was I was maxed out, irresponsible, and let the CSP report 60 days late. Chase closed the account immediately and I slowly over years paid off the outstanding balance (I also had a Freedom which they did not close or CLD and still have open). In the meantime as my score increased I would occasionally toss a app and get a auto denial (before HP) saying I already had a sapphire product (they counted the outstanding balance on the closed card as having the product). Flash forward today and thanks to a recent work bonus I'm at AZEO (almost, still waiting for my Apple Card to report the payoff) and I saw the CSP 100k offer, so I decided to try again with my new scores (755 EQ, 753 EX). I got the dreaded 7-14 day message and figured Chase just hated me forever. I called the recon line and after over two hours on hold with verification and not only was I APPROVED, but with a $15,600 CL! My highest CL ever! (second highest is my $6,500 Apple Card). The new boy is already showing up on my chase app (next to the closed CSP lol) There's hope after angering Chase y'all! Smiley Happy

 

 

P.S. before the CSP app I tried a AMEX 3X CLI on my $4k BCP and they denied me, so their loss. Smiley Frustrated

Message 1 of 15
14 REPLIES 14
Anonymous
Not applicable

Re: CSP APPROVAL after having CSP Closed by Chase past. There is hope!


@sterl1002 wrote:

I had the CSP with a $6k limit back in 2016 and was I was maxed out, irresponsible, and let the CSP report 60 days late. Chase closed the account immediately and I slowly over years paid off the outstanding balance (I also had a Freedom which they did not close or CLD and still have open). In the meantime as my score increased I would occasionally toss a app and get a auto denial (before HP) saying I already had a sapphire product (they counted the outstanding balance on the closed card as having the product). Flash forward today and thanks to a recent work bonus I'm at AZEO (almost, still waiting for my Apple Card to report the payoff) and I saw the CSP 100k offer, so I decided to try again with my new scores (755 EQ, 753 EX). I got the dreaded 7-14 day message and figured Chase just hated me forever. I called the recon line and after over two hours on hold with verification and not only was I APPROVED, but with a $15,600 CL! My highest CL ever! (second highest is my $6,500 Apple Card). The new boy is already showing up on my chase app (next to the closed CSP lol) There's hope after angering Chase y'all! Smiley Happy

 

 

P.S. before the CSP app I tried a AMEX 3X CLI on my $4k BCP and they denied me, so their loss. Smiley Frustrated


Woah! LIfe after Chase Death.  Congrats!

 

Now don't screw it up!!! ;-)

Message 2 of 15
M_Smart007
Legendary Contributor

Re: CSP APPROVAL after having CSP Closed by Chase past. There is hope!

Congrats on getting back in with Chase, and Your nice CSP with a great SLSmiley Happy

Message 3 of 15
randomguy1
Valued Contributor

Re: CSP APPROVAL after having CSP Closed by Chase past. There is hope!

Congrats on getting back in!

Message 4 of 15
sjt
Senior Contributor

Re: CSP APPROVAL after having CSP Closed by Chase past. There is hope!

Congrats! As long as you paid off that Chase card, you would not be blacklisted.
American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Bank of America: Alaska Air Atmos Summit Visa Infinite
Barclays: Arrival Premier WEMC (Closed)
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 12.24, EX: 816 / EQ: 825 / TU: 818
Message 5 of 15
Mr_Mojo_Risin
Senior Contributor

Re: CSP APPROVAL after having CSP Closed by Chase past. There is hope!

Good news getting back in there.

Big congrats on a sweet approval!

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 6 of 15
coreyb80
Super Contributor

Re: CSP APPROVAL after having CSP Closed by Chase past. There is hope!

Congrats on the approval!

Message 7 of 15
gdale6
Moderator Emeritus

Re: CSP APPROVAL after having CSP Closed by Chase past. There is hope!

Excellent approval given the previous closure, grats on it Smiley Happy

Message 8 of 15
Kidcat
Established Contributor

Re: CSP APPROVAL after having CSP Closed by Chase past. There is hope!

Congrats on your approval.  In your case I'm sure your paying off that balance even after closure helped.




Last app 09/21/2021. Gardening Goal Oct 2023
Message 9 of 15
KLEXH25
Valued Contributor

Re: CSP APPROVAL after having CSP Closed by Chase past. There is hope!

Congratulations on your approval! 🎉



Message 10 of 15
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.