I am glad I was sitting down when I got my approval back. I got an instant approval for the csp with a credit line of 17k (yes I had to go back and read it twice to be sure). I am going to go and hide in the garden now and hope nobody changes their minds about giving me these cards. Thank you all for your advice and support, not just today but since I joined this forum several months ago.
;So I had been in the garden over six months. My plan was to apply for a chase ink plus and then go for a personal amex charge and revolver. Then in six months apply for the CSP (this was due to the fact that I did not want to try to meet the spend limits of both the ink and csp at same time- also I was hoping if I get a higher amex cl first it would help me get a high csp credit line when I applied in six months). I went down to the branch today and they did multiple pulls and told me 7-10 days I will hear back. I called recon and was denied the ink plus. I have some baddies from 2009 which I explained. I have two open cards a cap 1 venture card from may 2013 (10k limit) and a chase freedom June 2013 (3.7k). The rep said that once my cards are a year old it should be fine to get a business card. My question is since I did not get the chase ink what should I do now? Should I try for the CSP? Should I go for an Amex? I applied for a CSP back in may of 2013 and was denied due to lack of open accounts (I had zero at the time). After that i obtained my venture and freedom within 2 weeks of the csp denial. I receieved a chase freedom auto cli from 3k to 3.7k and a venture cli from 5k to 10k, since the time of initial applications. Back in June I was denied an amex charge due to too many recent inquiries and lack of open accounts. I'm trying to figure out my next move before racking up another inq. If I could do the csp and amexes all at once I will and then garden another six months and go back for a business card. I assume my scores can only be better than what is listed below. My current util is 1%. Any advice?
Anyone else want to chime in before I pull the trigger and app amex then csp?
While you were in the branch, did you have any offers for CSP? The double pull is brutal - I would say if you want to try go for both. If unsuccessful, wait until your your gets TL is 1 yr old
@09Lexie wrote:While you were in the branch, did you have any offers for CSP? The double pull is brutal - I would say if you want to try go for both. If unsuccessful, wait until your your gets TL is 1 yr old
I didn't ask if I had an offfer for the CSP, because the rep was not telling me I was being denied for the ink. If I had gotten the ink card I would have waited for the CSP, since the initial spend requirements would have been too much all at once and I figured I would go for the csp in six months when the inqs all dropped off. However, now that I did not get the ink the csp looks good because I have put soo much of my spend on the freedom card and honestly its not worth much to me if I can't transfer to travel partners. So I think my game plan is to app for the prg and if approved go for an amex revolver either the blue preferred or the spg card and then finish up with an app for the csp. I don't see any point in waiting six months, since the inqs will have all aged by that point anyway and I figure it will be easier to explain the inqs to chase on recon than to amex. Any thoughts on which amex revolver would be better? SPG or blue cash preferred? Are they the same underwriting? I prefer travel rewards, although I could use the bonus with grocceries and the spg card I would just be interested in transferring the points to other partners not staying at spg properties this year.
@Anonymous wrote:What about online, do you check for offers there?
With chase? Yes, I checked and had no offers.
@red259 wrote:
@09Lexie wrote:While you were in the branch, did you have any offers for CSP? The double pull is brutal - I would say if you want to try go for both. If unsuccessful, wait until your your gets TL is 1 yr old
I didn't ask if I had an offfer for the CSP, because the rep was not telling me I was being denied for the ink. If I had gotten the ink card I would have waited for the CSP, since the initial spend requirements would have been too much all at once and I figured I would go for the csp in six months when the inqs all dropped off. However, now that I did not get the ink the csp looks good because I have put soo much of my spend on the freedom card and honestly its not worth much to me if I can't transfer to travel partners. So I think my game plan is to app for the prg and if approved go for an amex revolver either the blue preferred or the spg card and then finish up with an app for the csp. I don't see any point in waiting six months, since the inqs will have all aged by that point anyway and I figure it will be easier to explain the inqs to chase on recon than to amex. Any thoughts on which amex revolver would be better? SPG or blue cash preferred? Are they the same underwriting? I prefer travel rewards, although I could use the bonus with grocceries and the spg card I would just be interested in transferring the points to other partners not staying at spg properties this year.
Have you tried cardmatch? I agree, not to wait for 6 mos but to app now. I would only app for a charge if you want one - as far as the revolvers are concerned, the question is would you need both the CSP and SPG?
Im bring optimistic that you would get both- so app for the cards you need IMO.