I have a relatively low income compared to other online data so I hope my background will help anyone with similar situations.
I'm a college grad, currently taking some time off preparing for grad school. Apart from studying I work a part time job plus volunteer at a lab. My family lives in a foreign country so I make sure to visit at least once a year. I chose CSR because I was attracted to the $300 travel credit and wanted to work on the trifecta for maximum value.
Visited a branch today with no luck on pre-approvals but applied for the card anyways. Given my 15k income, I thought the chances were slim. The banker did the application for me and right after had to call a line for further verifications (in which a senior banker said calling this line indicates a 99% chance of approval? not sure about that) After a few holds on the line (approximately 8-10 minutes) I was told the application got approved for 10k CL. The entire process (from application to getting approved) took about 30-40 minutes.
I hope my experience will help others in need. Thank you for reading!
Income 15k
TU 767, EQ 774
5yr 10 mo credit history
$4,100 CL with Chase Amazon Prime Visa Signature (1.5yr history)
$1,000 CL with local credit union
17% credit usage (paid off all balance before applying)
