Re: CSP Approval Odds

MrPepperoni · ‎03-27-2025

Hi Community,

I would like your thougts on approval odds of this profile for Chase SP Card since it has elevated SUB right now.

Scores are ~ 730-735

Avarage Age: 1 y 8 m

Oldest Acc: 3 y 11 m

Total Credit Available: $18k

Oldest Acc is Auth User (Chase Card): 3 y 11 m

Relationship with Chase: CFU Card 6 months old + Checking Account

At 4/24 at the moment

Credit History is with perfect payments / never late or anything like that.

Moved to the US in August 2018.
Applied for Citi Costco in November 2018 - Denied due to lack of history (no history).
Started building credit in January 2019. Please hover over each card:

Discover IT Cash Back | SL $300 as IT Secured | CL $2,600 | Jan 2019

Chase Freedom Unlimited | CL $2,500 | Sep 2019

AMEX BCE| SL $5,400 | CL $23,000 | May 2020

Chase Sapphire Preferred | SL $5,000 | Nov 2020

BofA Cash Rewards | SL $6,000 | April 2021

Chase United Quest | CL $5,000 | April 2021

American Honda Finance| Honda Accord EX-L 2023 Auto Loan @ 3.99% for 36 months | May 2023 | $13,803 (82%) remaining out of $16,932

Also have Chase Marriott Bonvoy Bold (6 months old, $11k limit)
Bilt Credit Card (6 months old, $2k limit)
Amex Hilton Honors Surpass (1 month old, $16k limit)
Two paid off auto loans ($20.5K and $15.7K)

GZG · ‎03-27-2025

what is your credit without AUs?

but probably yes you should be fine, what's the limit on the CFU?

Starting FICO 8:

Current FICO 8:

0/6, 0/12, 4/24 new accounts

MrPepperoni · ‎03-27-2025

Au Chase Card 46 months old - $13.6k

Cap One Quicksilver 25 months old - $700

Cap One Savor 13 months old - $1.3k

CFU 6 months old - $2.6k

Moved to the US in August 2018.
Applied for Citi Costco in November 2018 - Denied due to lack of history (no history).
Started building credit in January 2019. Please hover over each card:

Also have Chase Marriott Bonvoy Bold (6 months old, $11k limit)
Bilt Credit Card (6 months old, $2k limit)
Amex Hilton Honors Surpass (1 month old, $16k limit)
Two paid off auto loans ($20.5K and $15.7K)

Fenway2025 · ‎03-28-2025

Your credit history looks very familiar to mine when I applied for my CSP last October. I had 3 personal cards, around the same credit score, and a previous Chase Freedom Flex, and a total of around 12,000 CL on all my cards. I would be surprised if you are not approved for the CSP. Best of luck!

Personal Credit Cards

Store Credit Cards

NoHardLimits · ‎03-28-2025

@MrPepperoni wrote:
Au Chase Card 46 months old - $13.6k
Cap One Quicksilver 25 months old - $700
Cap One Savor 13 months old - $1.3k
CFU 6 months old - $2.6k

My biggest concern for your profile is that your highest individual card limit is currently only $2.6k (AU's don't really count). CSR has higher starting limit requirements.

May 2025 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:

FICO9:

VantageScore3:

Inquiries (n/12, n/24):

MrPepperoni · ‎03-28-2025

Update for all: Approved instantly with 12k startling limit

Moved to the US in August 2018.
Applied for Citi Costco in November 2018 - Denied due to lack of history (no history).
Started building credit in January 2019. Please hover over each card:

Also have Chase Marriott Bonvoy Bold (6 months old, $11k limit)
Bilt Credit Card (6 months old, $2k limit)
Amex Hilton Honors Surpass (1 month old, $16k limit)
Two paid off auto loans ($20.5K and $15.7K)

ptatohed · ‎03-28-2025

Nice!!!

[ Signature in dire need of updates. It's on my to-do list.

]

5% CB rotating:

;
Everyday 3% CB:

;
Everyday 5%:

;
Companion Card:

;
Everyday 2.2% CB:

;
Retired to sock drawer after AOD (kept alive w/ 1 purchase every 6 mo):

;
On my radar:

;
Still Waiting for an Invite:

;
No hope:

MsSecondChance · ‎03-30-2025

Congratulations! 🥳

Ch 13 filed 6/2018
Ch 13 discharged 7/2024
TU 793
EX 800
EQ 795

citymunky · ‎03-30-2025

@MrPepperoni wrote:
Update for all: Approved instantly with 12k startling limit

Did you get the elevated SUB?

Rebuilding since 2021

Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:

Current FICO 8 Scores:

ptatohed · ‎03-30-2025

@citymunky wrote:
@MrPepperoni wrote:
Update for all: Approved instantly with 12k startling limit
Did you get the elevated SUB?

I assume so since MrP was aware of it in Post #1.

[ Signature in dire need of updates. It's on my to-do list.

]

5% CB rotating:

;
Everyday 3% CB:

;
Everyday 5%:

;
Companion Card:

;
Everyday 2.2% CB:

;
Retired to sock drawer after AOD (kept alive w/ 1 purchase every 6 mo):

;
On my radar:

;
Still Waiting for an Invite:

;
No hope:

CSP Approval Odds

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CSP Approval Odds