First Chase Card Approval!

[Anonymous]

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@Anonymous wrote:

Was approved for my first Chase card, the Freedom, yesterday after verification. Excited to finally be apart of the Chase family! (Have been denied twice before due to AAoA and AoOA) Next up, the Sapphire Preferred.

SL: $2200

Other Cards: 

Discover It Student - CL: $2250

AmeX ED - CL: $2000

AoOA: 14mos

AAoA: 10mos

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Congratulations, Donnell!  For reference, do you have any installment loans or negative marks on any of your credit reports?  Thanks in advance for your reply.

"Absorb what is useful.  Reject what is useless.  Add what is essentially your own." - Bruce Lee

[Pro-X]

Congrats!!

[OmarGB9]

Congrats! For the CSP, you need to have at least one other CC with a minimum $5k limit (from any lender) before they'll even consider you for it. They don't like being the first to give a $5k+ SL.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Was approved for my first Chase card, the Freedom, yesterday after verification. Excited to finally be apart of the Chase family! (Have been denied twice before due to AAoA and AoOA) Next up, the Sapphire Preferred.

SL: $2200

Other Cards: 

Discover It Student - CL: $2250

AmeX ED - CL: $2000

AoOA: 14mos

AAoA: 10mos

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Congratulations, Donnell!  For reference, do you have any installment loans or negative marks on any of your credit reports?  Thanks in advance for your reply.

"Absorb what is useful.  Reject what is useless.  Add what is essentially your own." - Bruce Lee

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Thanks for the comment! To answer your question, the only other things on my credit reports are student loans totaling $5591 which are still in deferment. No negative marks, etc.

[Anonymous]

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@OmarGB9 wrote:

Congrats! For the CSP, you need to have at least one other CC with a minimum $5k limit (from any lender) before they'll even consider you for it. They don't like being the first to give a $5k+ SL.

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Gotcha, I plan on trying to 3x my Amex CL to $6000 in the next couple months. Once that post to my credit report I'll apply for the CSP.

[OmarGB9]

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@Anonymous wrote:

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@OmarGB9 wrote:

Congrats! For the CSP, you need to have at least one other CC with a minimum $5k limit (from any lender) before they'll even consider you for it. They don't like being the first to give a $5k+ SL.

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Gotcha, I plan on trying to 3x my Amex CL to $6000 in the next couple months. Once that post to my credit report I'll apply for the CSP.

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Sounds good, if/when you do get it, you'll be good. But also be sure to remember the 5/24 rule.

[grower1]

Congrats on your Freedom!!! 

🎉🎊🎈

[Anonymous]

Congrats!!

[omgitsMatt]

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@Anonymous wrote:

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@OmarGB9 wrote:

Congrats! For the CSP, you need to have at least one other CC with a minimum $5k limit (from any lender) before they'll even consider you for it. They don't like being the first to give a $5k+ SL.

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Gotcha, I plan on trying to 3x my Amex CL to $6000 in the next couple months. Once that post to my credit report I'll apply for the CSP.

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Way to go!

Can you share a few more data points? There's a fair chance I won't open any new lines of credit for the next two years, just CLIs. They'd be the first one I go for if that's the case, then others later one ofc.

What did they pull and what were your scores, how old are your student loans and how old were the the Discover and Amex individually along with utilization? I'd really appreciate it

Congrats again!

[Anonymous]

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@omgitsMatt wrote:

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@Anonymous wrote:

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@OmarGB9 wrote:

Congrats! For the CSP, you need to have at least one other CC with a minimum $5k limit (from any lender) before they'll even consider you for it. They don't like being the first to give a $5k+ SL.

---

Gotcha, I plan on trying to 3x my Amex CL to $6000 in the next couple months. Once that post to my credit report I'll apply for the CSP.

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Way to go!

Can you share a few more data points? There's a fair chance I won't open any new lines of credit for the next two years, just CLIs. They'd be the first one I go for if that's the case, then others later one ofc.

What did they pull and what were your scores, how old are your student loans and how old were the the Discover and Amex individually along with utilization? I'd really appreciate it

Congrats again!

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They pulled both my equifax and experian, although I am not sure exactly the scores that they recieved as I have not recieved the cardholders agreement yet (will update when I do). At the time of applying, my Discover (9mos old) utilization was 1% and my Amex (2mos old) was at 33% for an overall utilization of 20%. Student loans are 14mos old. 

Hope this helps!