CSP - Approved!

[CreditCuriosity]

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@TiggerDat wrote:

When you make that trip to Europe, make sure you use a card with no FTF!  You don't want to lose out on rewards which are eaten up by a FTF and then some!  If you have a CapOne card or Discover they could both benefit you when doing overseas transactions.  Also make sure that if you do a card with no FTF that the rewards still match the category.  Some cards may only give you the basic rewards for overseas purchases regardless of the category.  (Or so I have heard.)

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Ya when I go to Europe spend will be between Amex Delta, QS and the CSP (assuming I get approved for it) all have no FTF's.

[Anonymous]

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@TiggerDat wrote:

When you make that trip to Europe, make sure you use a card with no FTF!  You don't want to lose out on rewards which are eaten up by a FTF and then some!  If you have a CapOne card or Discover they could both benefit you when doing overseas transactions.  Also make sure that if you do a card with no FTF that the rewards still match the category.  Some cards may only give you the basic rewards for overseas purchases regardless of the category.  (Or so I have heard.)

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The CSP has no FTF, and will give category rewards for dining and travel outside the US.  

Cards like the Amex Blue Cash XXX and Everyday do explicitly restrict supermarket and gas purchases to the US, but many other cards don't.

[takeshi74]

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@CreditCuriousity wrote:

So obviously as most know the Pre-Quals are golden...

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Nothing obvious and it's not something "most know".  Prequals are never a guarantee.  It's always a matter of what may have changed since the soft pull used for the prequal.  One's credit is not static.  Apply for what you need/want when your credit is in shape.  Don't rely on prequals as they are just marketing.

[CreditCuriosity]

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@takeshi74 wrote:

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@CreditCuriousity wrote:

So obviously as most know the Pre-Quals are golden...

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Nothing obvious and it's not something "most know".  Prequals are never a guarantee.  It's always a matter of what may have changed since the soft pull used for the prequal.  One's credit is not static.  Apply for what you need/want when your credit is in shape.  Don't rely on prequals as they are just marketing.

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Agreee..Nothing is guranteed, just makes you feel a bit more warm and fuzzy that you meet the "criteria" and they have recently SP'ed you..  The CSP would benefit me on my upcoming trip...  Will I get approved it could go either way to be honest...  The forum will know the outcome either way when i do

[Anonymous]

Same happened with the wife's Slate offer, before it disappeared off the site.

[too-much-time]

Are we referring to a place such as this?  https://creditcards.chase.com/prequalified-offers

There is absolutely now downside to checking it out? Will a check impact for your actual app?

[CreditCuriosity]

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@too-much-time wrote:

Are we referring to a place such as this?  https://creditcards.chase.com/prequalified-offers

There is absolutely now downside to checking it out? Will a check impact for your actual app?

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Nope there is no downship to checking out if you are pre-qualied..  Never gurantees in life, just if the match you up you basiaclly know you meet certain crtieria from the burea they SP'ed you from is all.

[Anonymous]

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@too-much-time wrote:

Are we referring to a place such as this?  https://creditcards.chase.com/prequalified-offers

There is absolutely now downside to checking it out? Will a check impact for your actual app?

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Yes, there is no downside in checking it out unless you apply.  If chase - the site you posted says you are pre- approved, you likely get approved and then does the actual application results in a hardpull.

[too-much-time]

Unfortunately my optoutprescreen is active at this time.

[CreditCuriosity]

Decided to App today once i got my ducks in order...

Approved $7500  ... Card will be here tomorrow or Wednesday!