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CSP Approval!!!

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New Contributor

CSP Approval!!!

Hi myFico family! I haven't posted in about 5 years but I visit this board multiple times a day (never close the window on my phone). I just applied for the CSP which I've wanted for awhile but was trying to wait until my util. decreased around the beginning of the year. Before last year I had not applied for any credit cards since 2011. I am unsure of what my credit scores are for experian and transunion, but as of last month Experian was 693 and Transunion was 699. I had two inquiries on Experian prior to applying and 0 on Transunion. Average age of accounts was 5 years and 3 months. I have an $18,000 NFCU cash rewards (2011), $10,400 USAA world MasterCard (2011), $10,000 American Express (Dec. 2015), and $6,000 JCP (2010). My oldest account which is now closed as of Nov of last year is from 2007. My overall util. is around 40%. I know I should've waited to apply, but I wanted the UR's for an upcoming trip. I was approved for $5,000 at the highest APR (made it in...barely...phew) and approval was instant! Annual income is $50k. I do not mind the apr as I will not be carrying a balance. The high util. Is from a balance transfer I took advantage of to pay off a loan quicker. Thank you to everyone on this board for your informative posts over the last half decade. You guys rock!

Message 1 of 24
23 REPLIES 23
Frequent Contributor

Re: CSP Approval!!!

Congrats! I loooove that card!

Nov 2014 500s April 2016 TU 707 EQ 690 EX 663 May 2017 TU 718 EQ 708 EX 701
CSR 12K United Explorer 12k Cap One QS 10.6K Discover 7.8k Freedom 4k Unlimited 4.4k AMEX Platinum NPSL
Message 2 of 24
New Contributor

Re: CSP Approval!!!

What do you love the most about it?
Message 3 of 24
Valued Contributor

Re: CSP Approval!!!

Congrats!!
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 4 of 24
Established Contributor

Re: CSP Approval!!!

congrats

Message 5 of 24
Super Contributor

Re: CSP Approval!!!

Congrats



EX08 658 EQ08 664 TU08 672 Total Credit Line: 63,550Utilization: 19.4%Inquiries: EQ8 EX11 TU11
Message 6 of 24
Frequent Contributor

Re: CSP Approval!!!

Whoo! Congratulations! Smiley Very Happy

♠Queen of Spades♠
Message 7 of 24
Super Contributor

Re: CSP Approval!!!

Congrats!

Message 8 of 24
Valued Contributor

Re: CSP Approval!!!

Congrats on the CSP!  Woman Very Happy


FICOS: EQ-812 TU-811 EX-818 Goal - 840-850 Across The Board
Total Credit Lines - 506K Gardening....
"I am the master of my fate and the captain of my destiny" Nelson Mandela
Message 9 of 24
Established Contributor

Re: CSP Approval!!!

Congrats on the CSP it's a good card to have.
Message 10 of 24
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