I have to tell you guys this good news! I have been gardening for close to 2 years. I found out the hard way about Chase's 5/24 rule and decided not to apply for anything. (Boy was that tough!) Today, I was at 4/24 according to Credit Karma. My scores are as follows: 720 Transunion(from Discover); 729 Experian (From Citi); and 725 Experian(from Amex). I read over some of the approvals for the FU and after going back and forth on whether to decide to take the dive, I pressed the button. After the pinwheel was spinning in what seemed like forever I got the approval screen. Approved for $7,100 at 16.49. Then I remembered that I saw a post where a gentleman was at 4/24 and was approved for the CSR and immediately decided to go for the FU and was approved. So I went incognito and applied for the CSP and was approved! $18,600 spending limit. Man I love these forums!
