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CSP approval - in-branch - $17,300 SL

CSP approval - in-branch - $17,300 SL

Hi Everyone Smiley Happy first post here. I wanted to share my data points from yesterday's in-branch visit to app for the CSP. I wasn't super confident I'd get approved because I had recently gotten 3 cards since April. I figured Chase would see this as "credit seeking behavior" for sure. But I couldn't resist the new 100k SUB, especially with some upcoming home improvements that'll help me hit SUB spend pretty quickly.

 

I didn't have any offers in my Chase account, likely because I opted out at some point. I was ready to plead my case about why I wanted the card, but ended up not even needing to. I got auto approved! $17,300 at 17.99%

 

The banker didn't have the 100k SUB in her system, only the 80k with $50 grocery credit and AF waived for the first year. I heard that Chase will match the SUB if you applied in-branch while the 100k offer is active. She wasn't aware of that. I took what I could get, and sent a secure message to Chase after I left. I'll add to my post when I hear back.

 

They pulled both my Experian and Equifax reports. I'm in Washington State.

 

Scores at time of pull:
EX: 758 (FICO 6/7)
TU: 780 (FICO 5/24) 745 (Vantage 6/7)
EQ: 751 (Vantage 6/7)

 

Inquiries at time of pull:
EX: 4
TU: 3
EQ: 2

 

I was 4/24 out of 5/24 at time of pull. All 3 of the new cards are reporting. Clean profile. No lates or derogatories. 3-5% overall utilization. Pay in full every month unless there's a 0% intro APR, and even then I still try to PIF. Had a Chase checking and savings that I closed out back in 2012. Not sure if the previous accounts helped any.

 

Current cards:
Local CU Visa - $10,500 (3/12)
US Bank Fred Meyer Rewards - $21,500 (1/15)
Local CU Visa (joint) - $1,000 (6/15)
Chase Amazon Prime - $12,300 (2/20)
Amex Blue Cash Preferred - $17,300 (4/21)
US Bank Cash+ - $2,000 (5/21)
BofA Cash Rewards - $16,000 (5/21)

 

Other loans:
Auto loan - $26,000 (8/13) paid off (8/17)
Mortgage (joint) - $442,000 (11/20)
Personal loan - $18,000 (11/20)

 

Age of oldest account: 9 yrs, 2 mo
Average age: 2 yrs, 8 mo (doesn't include CSP)

 

Income: $91k (myself only, not household)

 

For fun, I asked if I could use the same hard pull for a CLI for the Amazon card. She checked and said it would be an additional hard pull so I said nevermind lol. Into the garden I go until I'm 4/24 again Smiley Happy

 

Edit (6/11): Chase got back to me this morning. They confirmed I'll get the additional 20k points added once I spend the $4k in 3 months for the original 80k SUB. Woohoo!

Message 1 of 19
18 REPLIES 18
KingRue8500
Valued Contributor

Re: CSP approval - in-branch - $17,300 SL

Congrats on your Chase Sapphire Preferred approval




Message 2 of 19
coreyb80
Senior Contributor

Re: CSP approval - in-branch - $17,300 SL

Congrats on the approval!

Message 3 of 19
kkboom
Frequent Contributor

Re: CSP approval - in-branch - $17,300 SL

Great sl and congrats! Thank you for those data points. I don't believe they use vantage scores, but based on your clean profile, utilization and inquiries it seems like you have very solid scores. 


Gardening until 10/2021
Message 4 of 19
Elpadrino1
Valued Contributor

Re: CSP approval - in-branch - $17,300 SL

Congratulations on your approval!!

Message 5 of 19
Ficoproblems247
Valued Contributor

Re: CSP approval - in-branch - $17,300 SL

Nicely done and a very solid approval! Thanks for sharing all of your DPs! 





FICO 8 Mar '23 EX 753 EQ 755 TU 735
TCL $183,500
Message 6 of 19
SouthJamaica
Mega Contributor

Re: CSP approval - in-branch - $17,300 SL


@BunnieSlippers wrote:

Hi Everyone Smiley Happy first post here. I wanted to share my data points from yesterday's in-branch visit to app for the CSP. I wasn't super confident I'd get approved because I had recently gotten 3 cards since April. I figured Chase would see this as "credit seeking behavior" for sure. But I couldn't resist the new 100k SUB, especially with some upcoming home improvements that'll help me hit SUB spend pretty quickly.

 

I didn't have any offers in my Chase account, likely because I opted out at some point. I was ready to plead my case about why I wanted the card, but ended up not even needing to. I got auto approved! $17,300 at 17.99%

 

The banker didn't have the 100k SUB in her system, only the 80k with $50 grocery credit and AF waived for the first year. I heard that Chase will match the SUB if you applied in-branch while the 100k offer is active. She wasn't aware of that. I took what I could get, and sent a secure message to Chase after I left. I'll add to my post when I hear back.

 

They pulled both my Experian and Equifax reports. I'm in Washington State.

 

Scores at time of pull:
EX: 758 (FICO 6/7)
TU: 780 (FICO 5/24) 745 (Vantage 6/7)
EQ: 751 (Vantage 6/7)

 

Inquiries at time of pull:
EX: 4
TU: 3
EQ: 2

 

I was 4/24 out of 5/24 at time of pull. All 3 of the new cards are reporting. Clean profile. No lates or derogatories. 3-5% overall utilization. Pay in full every month unless there's a 0% intro APR, and even then I still try to PIF. Had a Chase checking and savings that I closed out back in 2012. Not sure if the previous accounts helped any.

 

Current cards:
Local CU Visa - $10,500 (3/12)
US Bank Fred Meyer Rewards - $21,500 (1/15)
Local CU Visa (joint) - $1,000 (6/15)
Chase Amazon Prime - $12,300 (2/20)
Amex Blue Cash Preferred - $17,300 (4/21)
US Bank Cash+ - $2,000 (5/21)
BofA Cash Rewards - $16,000 (5/21)

 

Other loans:
Auto loan - $26,000 (8/13) paid off (8/17)
Mortgage (joint) - $442,000 (11/20)
Personal loan - $18,000 (11/20)

 

Age of oldest account: 9 yrs, 2 mo
Average age: 2 yrs, 8 mo (doesn't include CSP)

 

Income: $91k (myself only, not household)

 

For fun, I asked if I could use the same hard pull for a CLI for the Amazon card. She checked and said it would be an additional hard pull so I said nevermind lol. Into the garden I go until I'm 4/24 again Smiley Happy


Congratulations on your CSP approval.  A splendid card.


Total revolving limits 743700 (625200 reporting) FICO 8: EQ 705 TU 717 EX 687

Message 7 of 19
CreditAggie
Community Leader
Super Contributor

Re: CSP approval - in-branch - $17,300 SL

Congratulations on your CSP approval!

Current Cards (in order of approval):

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

Message 8 of 19
Anonymous
Not applicable

Re: CSP approval - in-branch - $17,300 SL

Absolutely fantastic! Congratulations on your approval! 🥳

Message 9 of 19
gdale6
Moderator Emeritus

Re: CSP approval - in-branch - $17,300 SL

Sweet approval, grats on it & welcome to the board Smiley Happy

Message 10 of 19
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