CSP declined but Freedom approved

[Teisanualex20]

About 2 months ago I applied online for the CSP. i was declined even after recon because my util (49%). a week ago i apped again this time for freedom. denied at first, called the recon and approved for $2500.

I would love to get the csp as well.  What do you think ? Is it to early to try again?

[OmarGB9]

I think it is still a little too early. But it's hard to say. Do you have a lot of inq? Scores? How's your util now?

[Teisanualex20]

My util is abou 46% now. 7 inq on transunion, 2 on exp. Fico 656 Eqx, 670 TU, 665 Exp

[Anonymous]

I would say use that Freedom responsibly for another 6 months ($2500 is a nice limit anyway). Given that chase previously declined you, I'd say show them some reponsibility with the freedom (hopefully get a CLI or two!) and then app for the CSP.

That said, the CSP is a really cool card and I really really wanted to have it at a point (I let 6 months cut on the freedom and got the CSP). Best of luck with whatever you chose to do

[Anonymous]

Definitely wait, your scores are on the lower end for the CSP, let a few months go by and get those scores up!)

[Teisanualex20]

I'll probably wait 6 months...thank you!

[Anonymous]

Definition wait. Get your UTI down below 20% or more. Use the Freedom and try and PIF or carry a small balance. Than in a few months, check the Chase prequalified webpage. Hopefully you'll see the CSP come up.

[kdm31091]

It's early. Use your Freedom responsibly for 6 months or so. This way you're showing a good history with them. Then the CSP should be attainable, provided you don't have 5 new accounts in 2 years (so really, 4 besides the Freedom), because that is their new policy.

[SOGGIE]

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@Anonymous wrote:
Definition wait. Get your UTI down below 20% or more. Use the Freedom and try and PIF or carry a small balance. Than in a few months, check the Chase prequalified webpage. Hopefully you'll see the CSP come up.

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+1 ... And congrats on the recon approval!

[Anonymous]

Get the utl down and apply the next month. Girlfriend did the same thing. Approved when she tried a month later.