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Chase showing love - CSP and Freedom Approved!

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Contributor

Chase showing love - CSP and Freedom Approved!

I can't describe how ecstatic I am!

 

After having some student loans charged off and being dumb with credit in general as a youth (you can read my comeback story in more detail here: http://ficoforums.myfico.com/t5/Credit-Card-Approvals/My-climb-back-to-the-mountaintop/m-p/4804428), I have had quite the challenge in rebuilding my credit.

 

I had put this card (CSP) as my goal card some time ago and thought I'd app for it sometime in 2018. I went to several prequal sites some months ago to no real avail. But I kept hope and kept trying, seeing as it doesn't hurt your score.

 

Finally, I think sometime last month, the Chase and Discover prequals showed me some love. I was excited, but decided the time wasn't right. Well, with my overseas trip coming up in October (gonna see Italy), I thought it would be a good idea to get a travel card since my wife and I generally enjoy traveling out of the country anyway.

 

I remembered that I had read on here that Chase prequals are like 95% good as cash, so I went for it!

 

Details in. 'Submit' clicked. "Pending" hit. Heart sank.

 

Smiley Sad

 

But alas... I didn't give up hope! I searched these trusty forums and found this thread: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Chase-30-day-message/td-p/4540725

 

The post by u/Creditplz in particular (http://ficoforums.myfico.com/t5/Credit-Card-Applications/Chase-30-day-message/m-p/4588050#M120058) with the Verification Line encouraged me. I called, spoke with a very nice CS rep, and was sent a verification code.

 

She broke the news to me: Approved!! $21k! Smiley Happy Smiley Happy Smiley Happy

 

That makes it my second largest CL right behind my AmEx at $25k! I couldn't be happier, family. Happy days ahead.

 

Now I want to add a Discover or MasterCard to the mix to complete my portfolio. Might get rid of my Bank of America or CapOne when the time is right. Bank of America hasn't been very nice to me, keeping me at $3,400 for what feels like forever now, so we'll see. Nonetheless, Chase, I love you!

 

UPDATE: After doing some reading and research, it came to my attention that it's very beneficial to pair some sort of 'everyday' card with the CSP. Upon learning that, I submitted an app for the Freedom yesterday evening. I got the same 30 day message. Tried calling but the verification locale was closed for business (I applied in the evening). Called this morning and got it approved for $10k! Wow! Chase showing some love! 

 



AmEx FICO 8: EX [714] | Discover Credit Scorecard FICO: EX [719]
  

 

 

13 REPLIES 13
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Valued Contributor

Re: IN WITH CHASE! CSP FOR ME!

Congrats.  It's a nice card. 🎉🎊🍾🐬🎈


(10/05/18)
Message 2 of 14
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Community Leader
Mega Contributor

Re: IN WITH CHASE! CSP FOR ME!

Your down with CSP yeah you know YOUSmiley Wink Big grats on a super approval. Enjoy ItalySmiley Happy
Message 3 of 14
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Established Contributor

Re: IN WITH CHASE! CSP FOR ME!

Well done, congrats!!

Amex Gold =Amex ED 20k = Amex BCP 14k = Amex SPG Lux 2k = Arrival 2k = Ring 14k = BOA 321 30k = BOA BBR 10k = CSR 25k = Freedom 10k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 16k = DCVR IT(2) 10k = CAP1 QS 15k = NFCU CR24k/AE25k/CLOC 15k = BBVA 14k = Wells Plat. 5k = (2) US Bank Cash+ 13k, 18k = PenFed 17k

FICO scores TU 764 EX 739 EQ 745
Message 4 of 14
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Established Contributor

Re: IN WITH CHASE! CSP FOR ME!

Congrats on the CSP!!!!! Chase has been very good to me as well. 

 

Have fun in Italy!!!!

Message 5 of 14
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Valued Contributor

Re: IN WITH CHASE! CSP FOR ME!

Excellent! Congratulations!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 6 of 14
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Valued Contributor

Re: IN WITH CHASE! CSP FOR ME!

congrats on the great approval.

More cards than I can mention in a signature.
Message 7 of 14
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Regular Contributor

Re: IN WITH CHASE! CSP FOR ME!

Woo hoo! Smiley Happy

Message 8 of 14
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Established Contributor

Re: IN WITH CHASE! CSP FOR ME!

Awesome SL.

Congrats! Smiley Happy
Message 9 of 14
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Frequent Contributor

Re: IN WITH CHASE! CSP FOR ME!

Ahh that’s awesome. Congrats on the limit!

Chase is my favorite for CCs. They are the first to give me a chance with a good card with a higher limit.




TU 756 EX 730 EQ 775
Message 10 of 14
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