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Applied Yesterday for CSR and called and they just verified couple of identity questions, then told me to check within a couple of days.
Also called robo lady and getting the 30 day message!
Should I call the actual person today to get update? Any next steps?
INFO BELOW:
11.7k in credit limit from google synchrony & care credit.
Experian (time of app): 743
TU: 736
EQ: 740
AAoA: 2years 1 month - including Student loans
Age of credit: 10 months.
Paid off a student loan and utilization is at 3%
0 derogatory and 100% payment history
Income: $65k (will increase this march by about 12%), little/no expenses (no car, or mortgage, or wife/kids)
[EDIT]: Age: will be 23 next month
Really 1 hard inquiry on cap one of May 2017.
What are the individual limits on your cards?
$342 used out of $4,000 on google
$0 used (paid balances off already) out of $7,200 Care credit.
So from 1st post, the edit is total credit limit is at $11.2k
Yeah that's correct. Also, never been an authorized user on major credit cards.
This was definitely a reach, since I travel for my job, was reaching to get approved.
Will keep this post updated.
@Anonymous wrote:$342 used out of $4,000 on google
$0 used (paid balances off already) out of $7,200 Care credit.
So from 1st post, the edit is total credit limit is at $11.2k
CSR has a minimum credit line of 10k, so it's a reasonable question to ask about individual CL.
I hope you get an approval but with both of your cards being considered "store" cards, it's really hard to tell.
Do not call them again, you already talked to a person. An actual person will only be able to recite back same thing that robolady tells you.
A Chase robolady 30 day message means that they haven't yet processed the application. At this stage there is nothing to be gained in speaking with a CSR.
Your next step is to keep calling the robolady daily to check if status has changed to 14 days, approval, or 7-10 days. If the status changes to 7-10 days, and only if there is a status change to 7-10 days, you then want to talk to a CSR as they either need verification or you need to recon. A 14 day message means the application has been processed but the decision has not yet been finalized, so like a 30 day message there is no value in speaking with a CSR.
Really tough call.
I would have suggested applying for CSP to maximize approval chances, then a year later upgrade to CSR if credit line allows.