Chase CSP Approval, Some Data Points

[Anonymous]

My average AAOA is over 7 years have a total of 1200 of debt on a zero percent interest card.  No other debt. No house loan, no car loan and showing 114k of available credit limit. And much less hard pulls. I guess even with all the baddies I am unlikely to default on credit.  FICO doesn't care about debt to income.

but you are the one with the CSP and I have zero chance of being approved.

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@Anonymous wrote:

That is weird indeed. My AAOA is only 36 months which isn't the best and my newest acct (mortgage) is only 2 months old which isn't helping. I'm also the co signer for my son's car which could be hurting debt to income since i also have my own car payment. Other than those things, I really can't explain it. I'm sure that getting Util below 9% would be a big help for my scores, but that is going to take some time since I am not going to open any more accts for the next year.

CH

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[Anonymous]

I will PM you to offer some insight.

[BPebbles]

Congrats on your shiny new CSP!  It's a great travel card. 

[Anonymous]

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I still do not know which bureaus they pulled.  I do not suspect Equifax since I have 32 inquiries (22 of them from 2 different car loans)

Exp and TU are showing 12-15 inquiries.

CH

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Update- They pulled TU and Exp like I suspected.

[Anonymous]

One more update.  Marriott was an Equifax pull but the Chase Analyst said that Marriott was auto declined because they have a policy of not approving 2 different cards in a 30 day period.  Now, I know I have seen people on here talking about getting 2 Chase cards in the same day so I'm not really sure how accurate his statement was.

CH