Hello everyone,
I was waiting to be 4/24 and to apply for CSR. I become 4/24 on May 5th and exactly 1 month after, on June 5th I started seeing "You are already approved" message on my login for CSP, CSR and couple other United/SW cards.
I learned that if you apply in-branch, you will get AF and $50 grocery credit in addition to 100K points for CSP but CSR had the normal 60K offer. So I decided I'll go with CSP and if needed I can upgrade my freedom card to CSR while traveling at the end of the year.
I went into the branch today and asked for offers and she did confirm that I have the offer for CSP and CSR. Before even I asked, she mentioned that "even though its showing 80k the offer is actually 100k and 0AF and the grocery credit". I went ahead and applied and got instant approval for $17.3K @ 19.99
Felt like the apr is on the high side but it doesnt matter as I dont carry balance. The banker ordered the replacement card and said I should be getting it on Friday!
Below are the DPs:
They pulled only EX. 0/12 and 4/24
Score: EX-825 at the time of pull and went down by 3 to 822 after the pull
8 Inq - none in last 15 months
<1% Util
TU - 829 & 0 inq, Eq - 817 & 0 inq
Have 1 car loan - 60% paid
credit cards:
DISCO - 0/7000
CF - 0/9500
CFU - 28/7900
BoA CashRewards - 200/60,000
USB Cash+ - 400/18500
USB Altitude GO - 0/14000
USB HD Visa - 0/1000
Amex Gold - 280
Gardening until 10/2021
-- Congrats! & thanks for the DPs.
Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677 
