@Anonymous wrote:
@omgitsMatt wrote:
@Anonymous wrote:
@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.
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!
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!
Very, thanks again! 
@omgitsMatt wrote:
@Anonymous wrote:
@omgitsMatt wrote:
@Anonymous wrote:
@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.
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!
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!
Very, thanks again!
Recieved my card today, and it appears they pulled a 706 from Equifax. Although they also did a hard pull of my experian, they did not provide that score with my cardholder's agreement.
Congrats!!
