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Wanted to give an update. After my denial from Chase three months ago, I decided maybe it was time to try out again since I have a card with a high $10k limit and my scores are better. Below is my profile:
Real FICO scores:
EX is 729
EQ is 727
TU is 736
AAoA is 7 months with the following cards, name (Limit) (Age), 2% utilization and all paid off:
- Local bank credit card (650$) (14 months)
- AMEX PRG (NPSL, highest was ~1'800$) (6 months)
- Citi Double Cash (2'000$) (5 months)
- AMEX Gold Delta Skymiles (10'000$) (3 months)
EX Inq: 6 (only two in the past 6 months soon)
EQ Inq: 4 (only one in the past 6 months)
TU Inq: 1 (none in the past 6 months)
At first the web page told me to wait 7-10 days for a decision, but I called the status line. The status line told me to wait 30 days for a reponse by mail. Well today (the day after apping) the verification rep called me to verify records. I was slightly confused and could not figure out my own mobile number! Anyways, I cleared the two questions and the rep said to wait 5-7 business days for a letter to verify more information. I suspect it's identification, but they didn't give me the option to go in branch or fax in. Could I possibly just do those two options to speed things up, before the letter arrives?
People noted in the past to mail it in because of faxing issues, so one day certified mail might do the trick too.
Yes, you can speed it up. Defiantely go into the branch and let them verify you. Update with final results.
Update: So I received my verification letter on Saturday (12th). Sent out the copy of my driver's license, letter, and passport visa USPS. My verification arrived at Chase on Wednesday (16th). During that time and up until Sunday (20th) the message changed from 30 days to 7-10 days.
Today the message changed again to 30 days, which must mean they received my verification information. Still no word yet, but the signs look good!
UPDATE: Just call the automated line and they said I was approved! Card should be here in 10 days apparently, but I estimate between 3-4 days since I live a state over their processing facility where the letters and stuff is sent.
@Anonymous wrote:UPDATE: Just call the automated line and they said I was approved! Card should be here in 10 days apparently, but I estimate between 3-4 days since I live a state over their processing facility where the letters and stuff is sent.
Congrats!
@surferchris wrote:
@Anonymous wrote:UPDATE: Just call the automated line and they said I was approved! Card should be here in 10 days apparently, but I estimate between 3-4 days since I live a state over their processing facility where the letters and stuff is sent.
Congrats!
Thanks! I wanted to post it here in detail because browsing the forums myself, there was some inconsistent and missing information regarding the CSP application/approval process by others. A lot of people had different experiences and broken up into small less descriptive posts. I say 'NO' to that and as an engineer, I've made careful observations of this process!
Generally, from this experience:
From my panel, the card is being shipped from the west coast via first-class mail. Expect it here this week though, if USPS doesn't take Turkey Day into account. Otherwise another day won't hurt as long as I can book my airfare soon
Final update: I received my card today and verified everything. I did not request expidited shipping (though I really should have), so it took about a week by first class mail from Ohio to two states over.
The CSP limit is 5'000$ (5,000$ for Google stuff). Not too bad and I'll definitely be using it on a few travels I need to get a move on booking!