CSP Goal app Freedom first? Also Citi Prestige/Premier?

[kdm31091]

Definitely only go for one for now. Decide with your spend and income whether you can justify a CSP long term. Some people find they can't. You have to spend a decent amount and travel a decent amount as well to really get meaningful use out of it.

"Relationship" is overrated. If your profile supports approval, you'll be approved, regardless of whether or not you have a prior Chase account.

If you want a CSP and a Citi Prestige, you need to run even more numbers. It will take a lot of spend to justify both AFs as you can't physically use both as your "main spending" cards. Just keep these things in mind!

[Anonymous]

How about Citi are there requirements more or less stringent as a general rule? I noticed that they have partnerships with several airlines I fly very regularly that CSP doesn't.

[Anonymous]

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@Anonymous wrote:

My only other baddie is set to roll off in September after 7 years, it's a 30 day on an old Kohls Charge card (account has been closed for over 5 years) it also only seems to be reflecting on TU also. One of those I thought I made the payment and didn't things years ago.

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Ok.. That is pretty old.  Wait for whatever you are waiting on to update before you apply.  keep us posted on results.  

[Anonymous]

Is there any reason with my profile one might be better than the other from an approval perspective.

[Anonymous]

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@Anonymous wrote:
Is there any reason with my profile one might be better than the other from an approval perspective.

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The CSP starts with limits at 5,000 and nothing lower while you can get a limit on the Freedom at a measly $500.  Different underwriting.  CSP will take into account your experience with big limit cards which you have although the scrutiny varies from credit analyst to credit analyst should your application go in to pending.

But at this time, it comes down to which card will work for you best...  

[kdm31091]

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@Anonymous wrote:

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@Anonymous wrote:
Is there any reason with my profile one might be better than the other from an approval perspective.

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The CSP starts with limits at 5,000 and nothing lower while you can get a limit on the Freedom at a measly $500.  Different underwriting.  CSP will take into account your experience with big limit cards which you have although the scrutiny varies from credit analyst to credit analyst should your application go in to pending.

But at this time, it comes down to which card will work for you best...  

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Exactly. Go for what suits you better vs what is more possible to get approved/higher limit for etc.

[Anonymous]

Sorry, I was kind of unclear I meant between Citi or Chase. If it won't make any difference at first definitely won't be applying for the Freedom right now with FTF it wouldn't be worth it. As I spend more time overseas than not these days.

[Anonymous]

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@Anonymous wrote:
Sorry, I was kind of unclear I meant between Citi or Chase. If it won't make any difference at first definitely won't be applying for the Freedom right now with FTF it wouldn't be worth it. As I spend more time overseas than not these days.

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Citi is a lot harder to get into than Chase IMO.  

[Anonymous]

wait for the update and go for the CSP