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CSP Approval / Altitude Reserve Approval + a bonus CLI.

Jynx
Established Member

CSP Approval / Altitude Reserve Approval + a bonus CLI.

Applied for CSP a couple weeks ago, recently got a letter that they needed to verify some information - Spoke to a rep who transferred me to the fraud department and asked a few questions (fraud alert on file) got the welcome email a few days later, checked chase.com and there it was with a monster $16900 SL.

 

They pulled Experian which was around 720 at the time i applied, 3 inquiries 3 new accounts in the last 6 months otherwise everything was clean and utilization was at about 7%. I'm 27 with a 85k income. 

 

Pretty happy to have my foot in the door with Chase.

 

A week later i figured I'd pull the trigger on that Altitude card I've been wanting.

So I put in the application, got the 7-10 day message, a few days later I called in and the robolady said she's sorry she couldnt find my application and transferred me to a rep who transferred me to another rep in the verification dept. (also the fraud alert) answered a few questions and they said they'll get back to me in writing within a week. got the approval email this morning at another monster $22000 SL.

 

They also pulled experian, same report with an extra inquiry from Chase, I have a couple checking accounts with US Bank and a Amex 365 credit card with them aswell (infamous $500 SL), Called underwriting and asked if they could use that same pull for a CLI and was told to wait for a response, upon checking my online portal a day later I saw the Altitude reserve on my account and a nice $3000 on my 365. 

 

My only other two cards are an American Express Tradational Green card (Downgrade after hitting bonus on Gold) and a $1000 Cash Magnet from Amex. 

 

This is my first post, Thanks to everyone who posts here as I've been lurking for a year and it has been helpful to say the least. 

 

Will be gardening for a while now, those 5 cards in the past 6 months are pretty much what I wanted and I don't want to push my luck with shutdowns or financial reviews. 

Sapphire Preferred $16900
World of Hyatt $6700
Altitude Reserve $22000
US Bank Cash365 $3000
Sallie Mae Accelerate $6000
American Express Traditional Green $NPSL
American Express Cash Magnet $1000
Alliant Platinum $1000
BMW Financial 72 Months @3.99

In the garden since 4/2/2020
Message 1 of 18
17 REPLIES 17
AllZero
Super Contributor

Re: CSP Approval / Altitude Reserve Approval + a bonus CLI.

Congratulations on your approvals!

Message 2 of 18
Drwaz99
Established Contributor

Re: CSP Approval / Altitude Reserve Approval + a bonus CLI.

Nice work! Congrats & welcome to the forums! 

US Bank Altitude Reserve 18.1k
Chase Freedom Unlimited 18.5k
Chase Freedom 11.7k
American Express Bonvoy Brilliant 22.5k
American Express Bonvoy Business 10k
Barclays Aviator Business 5k
Citibusiness AAdvantage 11.9k
Citi Double Cash 15k
Amazon Store Card 10k

Fico 8s as of 1/2/2021:




Message 3 of 18
angelwingz
Valued Contributor

Re: CSP Approval / Altitude Reserve Approval + a bonus CLI.

Congratulations on your approvals! 👍




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 4 of 18
M_Smart007
Epic Contributor

Re: CSP Approval / Altitude Reserve Approval + a bonus CLI.

Welcome To myFICO Forums and

 




Message 5 of 18
newfossil
Valued Contributor

Re: CSP Approval / Altitude Reserve Approval + a bonus CLI.

Congratulations!




Starting score - May 2018

June 2020

AAoA - 1 year 3 months
Message 6 of 18
MyFault
Valued Contributor

Re: CSP Approval / Altitude Reserve Approval + a bonus CLI.

Congrats on your two cards!
You'll love the CSP, and i've thought about getting the Altitude Reserve also!



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Message 7 of 18
wingennis
Established Contributor

Re: CSP Approval / Altitude Reserve Approval + a bonus CLI.

Congratulations on some record approvals.

Message 8 of 18
coreyb80
Valued Contributor

Re: CSP Approval / Altitude Reserve Approval + a bonus CLI.

Great work and congrats on the approvals!!

Message 9 of 18
Aim_High
Senior Contributor

Re: CSP Approval / Altitude Reserve Approval + a bonus CLI.


@Jynx wrote:

CSP ...  $16900 SL.

Altitude Reserve ... $22000 SL

 

Experian  ... 720 at the time i applied

... 3 inquiries 3 new accounts in the last 6 months

utilization about 7% ...  85k income. 

 

This is my first post, Thanks to everyone who posts here as I've been lurking for a year


Welcome (out of the shadows) to the My Fico community!

And congratulations on two awesome approvals for your profile DPs! 

Well played!  Enjoy those cards and limits!

 

waytogo.jpg






Total Length of Credit > 35 years; AoOA (Currently open accounts) > 27 years
AAoA > 7 years; AoYA less than 1 year (Aug 2020)
Credit Limits: Total > $573K. Average > $28K. Utilization 1%.
Total Inquiries (TU:3 ~ EQ:4 ~ EX:7); Scorable Inquiries (TU:1 ~ EQ:2 ~ EX:4)
New Accounts: 1/6 months; 4/12 months; 11/24 months (as of 01/11/21)
* Hover cursor over each card to see name & CL, or press & hold on mobile app.
** Gardening since 08/15/20. Garden Goal ACHIEVED!!: Gold Spade on 02/15/21
Message 10 of 18
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