cancel
Showing results for 
Search instead for 
Did you mean: 

Waiting paid off, CSP approved....now im bummed

tag
Anonymous
Not applicable

Waiting paid off, CSP approved....now im bummed

20190122_200812.jpg

so after reading and reading and reading about the CSP vs THE CSR, and filling out both applications, but just to nervous for a denial so i closed them....I was only about 60% sure i would get the CSR, but about 80% sure for the CSP....sooo, after taking a sip of my Talisker distillers reserved, i filled both apps again in seperate witndows, and minimzed the windows down to only the submit button and told my son to choose one.....this is what came up!  After seeing the SL, i sure wish he chose the left button vice the right....but its ok, i can always PC next year! 

 

DP:

Signature is correct, income $135k, 8/24 with 4 of those being installment loans.

Message 1 of 19
18 REPLIES 18
MartyWrite75
Valued Contributor

Re: Waiting paid off, CSP approved....now im bummed

Congratulations on your approval!

April 2024: Experian 772; Equifax 779; Transunion 781


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

Message 2 of 19
Anonymous
Not applicable

Re: Waiting paid off, CSP approved....now im bummed

Thank you so much!  I have been sweating this app for weeks now....i feel like a ton of bricks are lifted for sure!

 

A few more data points for the record, (in case i change my sig)

Exp 741

TU 735

Eq 732

 

I have no idea which one they pulled, UTI is updated as of the app to 18%,  2 30day lates back in 2016, and a few more back in 2012

 

 

EDIT: they pulled experian, just saw the notification.

Message 3 of 19
Priory_Man
Valued Contributor

Re: Waiting paid off, CSP approved....now im bummed

Congrats on the approval and monster SL.
Give it a good using over the next year PC it to the CSR and live the FLEX life Smiley Happy






"Total revolving credit $286,000 Current UTIL >1%"
Message 4 of 19
Anonymous
Not applicable

Re: Waiting paid off, CSP approved....now im bummed

Rocking approval, congratulations!

Message 5 of 19
Remedios
Credit Mentor

Re: Waiting paid off, CSP approved....now im bummed

Congrats on your new card

You will be able to PC CSP to CSR in a year if that's what you want to do later on.
Message 6 of 19
xaximus
Valued Contributor

Re: Waiting paid off, CSP approved....now im bummed

Congrats on the approval! Great SL as well. FYI, you can always PC down to a freedom and re-app in a year as well.


Scores - All bureaus 770 +
TCL - Est. $410K
Message 7 of 19
simplynoir
Community Leader
Mega Contributor

Re: Waiting paid off, CSP approved....now im bummed

It's all good as some have pointed out you can PC it after the first year. Congrats on your new card!

Message 8 of 19
pinkandgrey
Senior Contributor

Re: Waiting paid off, CSP approved....now im bummed

Congrats! Lol I love your application strategy. That’s still a great card so don’t feel bad. Enjoy it!

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k
Message 9 of 19
Anonymous
Not applicable

Re: Waiting paid off, CSP approved....now im bummed

Congrats on your approval and monster SL !!!!

 

 

Message 10 of 19
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.