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CSP Approval

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mgood
Valued Contributor

CSP Approval

I got under 5/24 on January 16 and stopped by a Chase branch and applied on January 20.

 

Approved with a $10,600 SL Smiley Happy

24.24% APR

I was hoping for double that SL, lol. When I got my CFF, it was my highest limit by a pretty good margin. I was thinking Chase might give me a CSP up there with my highest limits. Or at least enough so I could transfer some of the limit to my $9.1k CFF to make it a $10k+ card. But I got in. And it's a pretty good limit. High enough that I could've gotten the CSR if I decided I wanted it. But I think the CSP is a better fit for my spending and travel.

 

@Remedios  wrote:

For me, applying for chase card a few days after going below 5/24 worked. I am certain they go by exact date but a lot of people here wait till following month to be on a safer side of things.


Worked for me too.

 

@jaybird14 @ wrote

I can also confirm that I did an in-branch app and did not get the AF waived on CSP. I did get a slightly higher SUB (base offer right now + I think 10k extra if I spent 6k in 6 months? I have to check my terms) applying in-branch.


That's what I got, 70,000 points for spending $6k in 6 months. But it's not all or nothing. I still get the advertised 60,000 points for spending $4k in 4 months, then if I spend another $2k in that 6-month window, I get an extra 10,000 points. I'm not sure if that's available online, so a little benefit to going in branch. I just happened to be in town where there was a Chase branch, so I figured it wouldn't hurt to go in and check.

 

I was in the banker's office and he was filling out the application when my supervisor tried to call. I sent him to voice mail. The banker asked me about employment. I said, "Yeah, well I was employed when I came in here. That was my boss I just hung up on." Smiley Very Happy Smiley Tongue

 

DP's . . . I still haven't gotten notification of a credit pull. I assume they pulled Experian again. My EX8 is 775, for what that's worth.

[EDIT: Just got a notice from Experian that my credit was pulled by JPMCB Card Services and my FICO 8 decreased from 775 to 772.]

Income $72k, rent $700.

Was 0/6, 1/12, 4/24 on new accounts. Experian inquiries were 0/12.

7% utilization.



EQ8 772, TU8 757, EX8 778 as of October 20
AZE12 - 7% Utl - New Cards: 2/6, 4/12, 7/24
Message 1 of 28
27 REPLIES 27
sznthescore
Established Contributor

Re: CSP Approval

Congratulations 🎉 

REBUILDER CARDS




Goal: FICO 700+
Message 2 of 28
mgood
Valued Contributor

Re: CSP Approval

A little more DP, here's my credit card utilization:

util.jpg

 

Only other debt is I owe $5647 on a $10k PenFed personal loan. (I actually owe a little less than that now, but that's what's currently reported.)

 

AAoA: 3 yrs 6 mos.
AoOA: 7 yrs 4 mos.

Age of newest account: 7 mos.



EQ8 772, TU8 757, EX8 778 as of October 20
AZE12 - 7% Utl - New Cards: 2/6, 4/12, 7/24
Message 3 of 28
CYBERSAM
Senior Contributor

Re: CSP Approval

Congrats on your CSP Approval! 🥂🤑👍👍







                
Message 4 of 28
firefox100
Senior Contributor

Re: CSP Approval

Congratulations enjoy it.

Message 5 of 28
cashorcharge
Community Leader
Super Contributor

Re: CSP Approval

WooHoo!! Congratulations on your CSP Approval!!👏🏼🍾🥂

Message 6 of 28
Anonymous
Not applicable

Re: CSP Approval

Wow!

When your "hot your hot" ...

Grats! Smiley Happy

Message 7 of 28
mgood
Valued Contributor

Re: CSP Approval


@Anonymous wrote:
When your" hot your hot" ...

LOL. January is my month.

PenFed Platinum Jan 2021

PenFed PCR Jan 2021

FNBO Evergreen Jan 2022

Chase Sapphire Preferred Jan 2023

That's 4 of my 5 highest limit cards. And since I got a lot of cards in January, and lots of them allow CLIs every 6 months, January and July are CLI seasons for me.



EQ8 772, TU8 757, EX8 778 as of October 20
AZE12 - 7% Utl - New Cards: 2/6, 4/12, 7/24
Message 8 of 28
CreditAggie
Community Leader
Super Contributor

Re: CSP Approval

Congratulations on your CSP approval! I read your thread in Applications and I am glad this ended in a successful outcome! Smiley Happy

Current Cards (in order of approval):


         
Current FICO 8 | 9 (October 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 9 of 28
mgood
Valued Contributor

Re: CSP Approval


@CreditAggie wrote:

Congratulations on your CSP approval! I read your thread in Applications and I am glad this ended in a successful outcome! Smiley Happy


I saw you liked my "this thread can be closed" post, lol. I didn't want to type a novel on my phone so I waited until I got back home.

Hey, if you've been gardening since 5/12, I think your spade is due for an upgrade.



EQ8 772, TU8 757, EX8 778 as of October 20
AZE12 - 7% Utl - New Cards: 2/6, 4/12, 7/24
Message 10 of 28
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