So I have taken a hit to my creidt lately. I went from a high of 700 last year to now being aroudn 630s, my utilization went up from about 15% to 40% and i got it down to 35% before applying. I also had a new collections how up on my report 8 months after it was removed and they sent a letter saying i owed nothing and sadly I lost the letter and there is nothing that's working to get rid of it now.
Despite all this I got approved for CSP with 5k limit. It was one of my "offers for you" when I signed in and I decided to take the plunge. Chase has been good to me so far. Started with a 2,600 limit and they raised that to $4,000 recently without me noticing for about a month.
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