I have been gardening since last July, and decided that I was going to try to get in with chase credit (I am now 5/24 with the new card). I was instantly approved for the CSP for $7K. I am very happy with the results of my gardening! My Credit score from chase was 745 out of 900, so based off that it looks like they used EX FICO bankcard 09.
I am hoping to finance a car this summer, so until then I am back to the garden!.