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CSP approval!!!

Cashbackjunky
Regular Contributor

CSP approval!!!

Just went into the branch (because I had an in branch pre-approval and I was at 5/24) and applied for the CSP and was approved for $20,200 @ 12.74% APR (This doesn't matter as I ALWAYS PIF).

I'm elated right now!

I just hope Chase doesn't take AA against me as this is my 5th new card in 3 months.

Cheers!
————————————————————————————————————————————————————————————
784 INQs: 3
792 INQs: 4
784 INQs: 9
Total Credit Line: $176,100 Total CC's: 10
Message 1 of 12
11 REPLIES 11
Cashbackjunky
Regular Contributor

Re: CSP approval!!!

Does anyone know if a pre-approval bypasses a HP? I just realized that I didn't get any notifications from credit karma or experian about a new HP...

I just checked and no new HP on any of the bureaus, but the new card is in my Chase account!

Not mad about that at all, just not sure if it's normal.

Cheers!
————————————————————————————————————————————————————————————
784 INQs: 3
792 INQs: 4
784 INQs: 9
Total Credit Line: $176,100 Total CC's: 10
Message 2 of 12
doinit1
Valued Contributor

Re: CSP approval!!!

Super congratulations!!Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 3 of 12
Cashbackjunky
Regular Contributor

Re: CSP approval!!!


@doinit1 wrote:

Super congratulations!!Smiley Happy


Thank you! 

Do you happen to know if a pre-approval bypasses a HP? 

 

Cheers!

————————————————————————————————————————————————————————————
784 INQs: 3
792 INQs: 4
784 INQs: 9
Total Credit Line: $176,100 Total CC's: 10
Message 4 of 12
simplynoir
Community Leader
Super Contributor

Re: CSP approval!!!

Congrats there!

Message 5 of 12
jawbrkr
Established Contributor

Re: CSP approval!!!

As far as I know, pre-approvals do no bypass. You will still get the HP. It can take up to 24hrs for it to show...maybe 48. I have had INQs not show up for that long.



|| TU08: 802 || EQ08: 791 || EX08: 797 ||



Message 6 of 12
Cashbackjunky
Regular Contributor

Re: CSP approval!!!

Interesting... Literally EVERY other HP I've ever had notified me within 5 seconds of approval.

Cheers!
————————————————————————————————————————————————————————————
784 INQs: 3
792 INQs: 4
784 INQs: 9
Total Credit Line: $176,100 Total CC's: 10
Message 7 of 12
jawbrkr
Established Contributor

Re: CSP approval!!!


@Cashbackjunky wrote:
Interesting... Literally EVERY other HP I've ever had notified me within 5 seconds of approval.

Cheers!

Unless you got lucky. But I would give it till Tuesday since its the weekend. That 12.74% APR though, how? I thought the minimum was 16.74%?



|| TU08: 802 || EQ08: 791 || EX08: 797 ||



Message 8 of 12
Cashbackjunky
Regular Contributor

Re: CSP approval!!!

The minimum IS 16.74%! I was Pre-aporoved for the card at 12.74%!

I'd be more excited about that if I actually carried balances lol!

It's my lowest APR card now tho!

Cheers!
————————————————————————————————————————————————————————————
784 INQs: 3
792 INQs: 4
784 INQs: 9
Total Credit Line: $176,100 Total CC's: 10
Message 9 of 12
TheGeekyCreditGuy
Established Contributor

Re: CSP approval!!!


@Cashbackjunky wrote:
@just went into the branch (because I had an in branch pre-approval and I was at 5/24) and applied for the CSP and was approved for $20,200 @ 12.74% APR (This doesn't matter as I ALWAYS PIF).

I'm elated right now!

I just hope Chase doesn't take AA against me as this is my 5th new card in 3 months.

Cheers!

Awesome! I seen your other post and how you were debating on applying, glad you did especially with a decent 20k SL approval!  Did you have any other Chase cards prior to this and what were their limits?

Message 10 of 12
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