Hello all, just wanted to share a recent experience with app for CSR and battling concerns about 5/24. Have a slew of work travel upcoming, spanning about 2 years. Wanted to maximize points earning and have been agonizing about pulling the trigger on CSR for about two weeks. Going to re-fi a boat soon with USAA, they pull EX looking for 760-780 for their best rate and I am currently at EX 784. Not wanting to waist a HP for a denial, decided to have DW app for CSR. She is 754 EX, 739 EQ, (Chase did HP both) with about 11 INQ combined (mostly from mortgage refi that pulled 2 on each CR). Currently 41% Util including +80% on a USAA AMEX at 14.5 of 17k (babysitting a 0% convenience check from home reno). Recently opened TLs were Ashley/Sync 11/17, Ashley/WF 11/17, Harley/USBank Visa 12/17, ISPC 3/18, and AMEX Plat AU 2/19 for a solid 5/24. Recieved an instant approval for $23.1K. Of note she was AU on my 45k NFCU More Rewards (recently terminated but still shows) but the Chase is currently her biggest individual TL. Total profile is 2 mortgages, 3 vehicles (two PIF/closed) 3 PLs (All PIF), and 7 revolving. AAoA 4.4 Yrs and AoOA 7.6Yrs. Definitely not what I expected from chase. There is hope and the rule isn't static.
US Bank Altitude Reserve 18.1k Chase Freedom Unlimited 18.5k Chase Freedom 11.7k American Express Bonvoy Brilliant 22.5k American Express Bonvoy Business 10k Barclays Aviator Business 5k Citibusiness AAdvantage 11.9k Citi Double Cash 15k Amazon Store Card 10k
3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671. >12/2020 CCT EX 821 TU 826 EQ 840
"Survival kit contents check. In them you'll find:
- One forty-five caliber automatic - Two boxes of ammunition - Four days' concentrated emergency rations - One drug issue containing antibiotics, morphine, vitamin pills, pep pills, sleeping pills, tranquilizer pills - One miniature combination Russian phrase book and Bible - One hundred dollars in rubles - One hundred dollars in gold - Nine packs of chewing gum - One issue of prophylactics - Three lipsticks - Three pair of nylon stockings.
Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."