Chase Sapphire Preferred

[MrPSS]

I was just approved for the CSP also and have had the CFU as my daily driver for just over 2 yrs now- it’s a great card. I’ve managed to accumulate 35K points on it during that time frame. I too have a good relationship with chase already. Only 5K limit on the CSP though. I’ve heard quite the contrary that if you app for the CFU, it will be another HP. Not a big deal though because I’m sure they’ll approve you based on your DPs. I’m facing a similar dilemma however where I want to get the new Southwest priority card with them but am not sure they’ll approve right now since I only got the $5K starting limit but not bad APR of 21.74% with CSP. My CFU has been at 1K for 2 yrs now.

[Anonymous]

The CSP is a card on my list that I am waiting to app. I need a travel card badly but I'm exactly 5/24. Chase keeps teasing me too because they have given me the green checkmark for the CSR and the CSP for the last month and a half. . I already have the CFU too and wouldn't mind going for the Chase Trifecta eventually altogether.

[SweetCreditObsession]

Congratulations! I think you could get the second card. My sister was approved for two in one day. Best wishes.

[Anonymous]

Didn’t end up gong for the CFU. Might try for an Ink card once I get the min spend taken care of instead. 

Part of me wanted the Reserve, but clearly my numbers aren’t there yet. And I don’t plan on doing any travel til mid 2019, so no immediate need for the extra perks just yet. Maybe I’ll upgrade at one year.

And I do wish the CL was a little higher. Kind of shot myself in the foot there. Think the main reason initial CL of $6200 is likely my utilization was around 35%. But the majority of that was due to a $2k balance on my $5k CL Capital one card. But I did pay that down to $0 two weeks ago, but the statement date isn’t until the 9th. Sooooo, probably would have reflecting a much better utilization had a waited a week, but was hard to pass up the 60k SUB. 

Any chance I could call and plead my case for a higher CL, or is that pretty much futile?...and guaranteed for a needless additional hard pull?

[Anonymous]

I dont know how well that would turn out for you now that a few days have gone by. But I admit, I always do love it when I read a post where someone attempts it any way and they actually get the recon. "It wont hurt to try!" 😉

[19eighty5]

Congratulations on your approvals!

[Anonymous]

Congrats on the approval!

[sjt]

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@Anonymous wrote:
The CSP is a card on my list that I am waiting to app. I need a travel card badly but I'm exactly 5/24. Chase keeps teasing me too because they have given me the green checkmark for the CSR and the CSP for the last month and a half. . I already have the CFU too and wouldn't mind going for the Chase Trifecta eventually altogether.

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I believe the Green Checkmark Offers bypass the 5/4 rule.

[Anonymous]

Thankyou SJT! I was going to post something more about this today too. The selected for you checkmark has an actual set APR number, not a "based on credit worthiness rate" between 2 different APR percentages. I think I've read before that's a good sign. I feel as if I have a strong enough profile for it too but of course I'm afraid of the waste of a hardpull if the 5/24 rule does still apply to me.
Also, this afternoon, I got a pre-approval email from Chase on the CSP. It says if im interested to apply before October 10th. What to do, what to do????

[sjt]

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@Anonymous wrote:
Thankyou SJT! I was going to post something more about this today too. The selected for you checkmark has an actual set APR number, not a "based on credit worthiness rate" between 2 different APR percentages. I think I've read before that's a good sign. I feel as if I have a strong enough profile for it too but of course I'm afraid of the waste of a hardpull if the 5/24 rule does still apply to me.
Also, this afternoon, I got a pre-approval email from Chase on the CSP. It says if im interested to apply before October 10th. What to do, what to do????

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First, are you near a Chase branch you can visit and see if they have any pre-approved offers in their system? If so, go for those offers first. If not, then take the email offer. Make sure the email offer has a set APR.

Good luck and keep us posted.