@disdreamin wrote:
A couple months back I had inquired about a good starter card for my SO to try for to get back into the CC game since they'd been out of it for a while (they were AU on a few of my cards but had none of their own). They ended up doing a card with our CU to start with, but the CSP was still tempting us.
Since I am currently working on amassing Chase UR for travel in a couple years, SO agreed to try for a CSP when we were in the branch last week. We didn't realize until we spoke to the CSR that they waive the $95 AF the first year if you apply in the branch (we had other banking paperwork we needed to complete and happened to mention SO was in the market for a card in the not-too-distant future). Turned out all CRs were locked, so we unlocked and tried again today...and success.
Given SO's thin file, at least as far as being primary on CC's goes, I was concerned, but tunred out it was an immediate approval for a nice SL. When I app'd a few weeks ago I wasn't so lucky, mine was a battle of moving CLs and all different kinds of verification. So yay, Chase can play nice sometimes!
Great SL for SO--- congrats!
What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)
What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)
Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.
EQ 759, EX 765, TU 771 (06/10/2022)
I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!
