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CSP w/ $29.5k CL and 80k point Bonus!

New Member

CSP w/ $29.5k CL and 80k point Bonus!

Finally made my way into Chase credit cards! Was instantly approved for the CSP at a $29,500 limit, which was unbelievable with my credit history (only 14 months).

Had the following cards when I applied:
AMEX PRG — opened 11/2017
AMEX Green — opened 11/2017
AMEX everyday — 11/2017, $3k limit
Discover IT — 4/2017, $4k limit

Also have a 36mo (unsecured) car loan for about $22k that was opened in July 2017. Authorized user on two other cards, both with a bit more history. But the discover IT was the first credit I had in my name opened last year. No previous history, and never a negative remark.

Credit scores were all in the 760-770 range, as I dropped my balances and utilization over the last 2 months. I’ve also been banking with them since 2017, but had no preapprovals/prequalified offers. I was worried I wouldn’t get approved at all since I’ve heard you need at least 1 year of history and another card with $5k+ limit. I was thrilled that I was approved, and dumbfounded when I saw a starting CL 3x my other two CCs combined. And to top it off, I got the 50k/$4k spend sign up bonus plus an extra 30k points for $20k spend in the first year. So excited to have this card coming!
Frequent Contributor

Re: CSP w/ $29.5k CL and 80k point Bonus!

That's HUGE! Congrats on your Chase score!

Am Ex | BOA | Chase | Citi | Disc | PenFed | USB | 400K Club
Message 2 of 8
Moderator Emeritus

Re: CSP w/ $29.5k CL and 80k point Bonus!

Very impressive with your other cards/limit for chase to be so generous.. Congrats

NFCU Platinum 50k | NFCU More Rewards 30k | BofA Merrill+ 45k | BofA Premium Rewards 25k | Affinity FCU Cash Rewards 22.5K | CSP 40k | Chase Amazon Visa 20k | Chase Freedom Flex 5k | Chase IHG 1k | Chase Ritz 20k | AOD FCU 20k | FNBO Duck Unlimited 25k | PNC Cash Rewards 22.5k | Citi Premier 14k | Citi Custom Cash 31k | US Bank Alt Connect 20k | Union Bank Cash Rewards 15.5k | SECU 20k | Discover 20k | William Sonoma Visa 35k | Farm Bureau 18.5k | Synovus Cash Rewards 18.5k | Regions Cash 14k | TD Cash 6k | Penfed Cash Rewards 30k | Penfed Pathfinder 20k | 5/3rd Trio 10K | BMO Harris Cash 18.5k | Barclay's Red AA 22k | MFCU 20k | Amex Business Cash 30k | Amex Business Prime 20k | Amex Delta Business Platinum 10k | AMEX BBP 15k
Message 3 of 8
Frequent Contributor

Re: CSP w/ $29.5k CL and 80k point Bonus!

Congrats on approval.


Do you mind sharing number of inquires on EX and income range ?

Message 4 of 8
Senior Contributor

Re: CSP w/ $29.5k CL and 80k point Bonus!

Congrats on Approval and monster SL

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 8
New Member

Re: CSP w/ $29.5k CL and 80k point Bonus!

Thanks!! Yeah, I was happy to be approved, and still think there must have been an error on the huge starting limit.

As for hard inquiries, I had 5 on EX in the last 12mos, not sure last 24.... maybe 8? And last inquiry was during my spree in November when I opened all 3 of my Amex cards in a day (only 1 hard pull since they were same day). Income is high 200s, but unsure if that actually plays a part. Both Amex and Discover started me with $1k limits and I’ve been diligent about timing my CLIs with both to maximize increase amounts.
Message 6 of 8
Valued Contributor

Re: CSP w/ $29.5k CL and 80k point Bonus!

I’d say income was definitely a factor in the SL but your history with Amex and Discover (they essentially piloted you as a credit consumer) helped in the overall approval.

Fantastic credit journey. Awesome starting line.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 7 of 8
Valued Contributor

Re: CSP w/ $29.5k CL and 80k point Bonus!

Congratulations on your Chase approval!! Awesome SL for you

State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 8 of 8
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