@FinStar wrote:
While annecdotally some have achieved success with your stated scenario (albeit using the reconsideration channel vs. qualifying for automatic approval) or not having a good handle on basic credit habits to achieve said goals (e.g. excessive inquiries, etc.); others prefer the opportunity to learn the best approach and position themselves for approval while minimizing any collateral damage to their credit files.
@ FinStar
Well said and great advice. I think that it couldn't have been said better. Thanks for verbalizing my exact thoughts! 
Starting Score: 642
@ezdoesit wrote:CD if it makes you feel any better I just app for the csp and got the dreaded 7-10 day message which I probably am going to have to recon. I think I might have better overall CR but you never know what the computer says. I think a lot of people replying are correct to get your BOA CL up to at least 5k but ask for more.
ezdoesit!!!
Darn it.... I was hoping you'd wait till that utility came down. I really think when that 15K card reports and your utility is at 19%, you are instant approval status.
Best of luck with your recon if denied!!!
@Anonymous wrote:@improving my credit - my average age of acquisition is 6 months (lol, so pretty low) and I've not yet paid for an actual credit score. I was going to do so prior to applying for this card, were there more hope but it sounds like I should wait.
Also, I know the fake scores are meant to be take with a grain of salt but since both credit karma and credit sesame came back with such similar numbers (764, 766) I assume they'd at least be close to accurate.
Hey cd!
Yea... with a really low AAoA, I'd def wait till you have at least a good year of history under your belt. This is one of Chase's primo cards and it'd likely end in denial even with recon. 
Unfortunately, FAKOS can be way off from FICO. Check your PM box.
@ezdoesit wrote:Improving I couldn't wait. The high balance on the 12k card is from a BT but I used the money to pay down an auto loan which I was going to pay off 3yrs early so I figured why pay interest. I hope if I recon I can explain then they would see it on my CR big balance but big pay down on the auto loan.
Hey ezdoesit!
Well, I think you still have a chance but I think I added your current utility at over 40%? If I'm remembering right. If you don't get it with recon, re app in about 2 months with the new card showing and I'm feeling pretty confident you will end up with instant approval and a high limit. If you are approved on recon, they will likely start you at the base 5K unfortunately. But still, you'll have this great card!!!
@improvingmycredit wrote:
@Anonymous wrote:@improving my credit - my average age of acquisition is 6 months (lol, so pretty low) and I've not yet paid for an actual credit score. I was going to do so prior to applying for this card, were there more hope but it sounds like I should wait.
Also, I know the fake scores are meant to be take with a grain of salt but since both credit karma and credit sesame came back with such similar numbers (764, 766) I assume they'd at least be close to accurate.
Hey cd!
Yea... with a really low AAoA, I'd def wait till you have at least a good year of history under your belt. This is one of Chase's primo cards and it'd likely end in denial even with recon.
+1
I concur with improvingmycredit's recommendation. The longer and more established history, thereby improving the AAoA, the better the chances.
