Re: CSP instant approval bypassing(?) 5/24

show_hell · ‎10-04-2021

I have been gardening since my last approval of Citi Premier in November 2020.

Hearing 100k points SUB on CSP is expiring in a few days, I decided to try my luck and applied online using the referral link from a friend. Surprisingly, I got instantly approved with a limit of 7.8k (APR 22.99%).

In my calculation, I will not be under 5/24 till 2021/10/23 and was expecting to be instantly denied.

My opened cards after September 30, 2019:

2019/10/23 - Amex Delta Gold

2020/02/08 - Chase United MPE (Limit 5k)

2020/02/23 - US Bank Cash+

2020/05/26 - US Bank Cash+

2020/11/26 - Citi Premier

2021/10/04 - CSP

Chase pulled my EX + EQ and all my cards are reported there.

Score: EX 778 (Fico 9 from Wells Fargo), EX 767 (Fico 8 from Experian), EQ 766 (Fico 9 from Penfed)

Have I really bypassed the infamous 5/24?

Sub16610 · ‎10-04-2021

Congrats on your CSP approval!

CreditPacMan · ‎10-04-2021

Congrats on the approval.

I do not think the 5/24 rule as that firm on the exact timing, a few weeks probably didn't matter to Chase.

Current Cards:

CreditAggie · ‎10-04-2021

Congratulations on your CSP approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (July 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Rebuild2019 · ‎10-04-2021

Congratulations 🎉🎈🍾🎊 on your CSP approval.

MomoMango · ‎10-04-2021

Congrats on the CSP approval! I also bypassed 5/24 because my Apple Card didn't report yet on my Experian.🥂🎊

Updated: April 27th 2024 at 1:19am

Titans84 · ‎10-05-2021

Congrats on your approval!

Current FICO 8:

US Bank Cash+ (PC from Perks+) | 05/2007 | $10,000

AMEX Blue Cash Preferred (PC from Blue) | 09/2008 | $25,000

US Bank Cash+ (PC from Platinum) | 12/2014 | $20,000

Goldman Sachs' Apple Card | 08/2019 | $28,000

Chase Freedom Unlimited | 09/2019 | $16,000

Elan Max Cash Preferred | 05/2021 | $25,000

FNBO Evergreen Rewards | 07/2021 | $25,000

Affinity FCU Cash Rewards | 04/2022 | $32,500

US Bank Altitude Reserve | 09/2023 | $15,000

Chase Sapphire Preferred | 05/2024 | $23,000

Bank of America Premium Rewards | 04/2025 | $22,500

CreditMarathoner · ‎10-05-2021

Congratulations on your CSP approval!

On the 5/24, did you have a black star prequal or a green checkmark preapproval on the Chase site/app? Those have been known to bypass 5/24. Or maybe they didn't count the Delta Gold since it's almost 2 years out. Did you apply online or in branch?

What's your data points? Scores, starting limit, APR etc?

Open Tradelines: 4 Revolvers, 1 Mortgage / Garden Start Date: 10/1/2021 / Garden Goal: don't have one right now
TCL: $26,500 / AAoA: 8y6m / AoYA: 1y5m / Inqs: 1EX 0TU 1EQ / FICO8 Feb 2023: 848(TU) 843(EX)

JLRDC909 · ‎10-05-2021

Congratulations on your approval!

There has been some discussion on this board and on other FB groups that the CSP has been approved over 5/24. It seems Chase is really pushing this card lately with the high SUB.

A few weeks ago I wanted to press my luck on the United Explorer card and was denied in a few seconds. Reason being; over 5/24 😡. I should be under 5/24 again in a few weeks.

Enjoy your new Chase card

JR

JustJay119 · ‎10-05-2021

Congrats on the CSP!!

Current

AU

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CSP instant approval bypassing(?) 5/24

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CSP instant approval bypassing(?) 5/24