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@09Lexie wrote:
Chase usually pulls Ex - similar to Amex but they have also been double/triple pulling too. I don't think Amex will get spooked at all. If they have a problem with inq's, you were seeking new credit just CLI's - they should know about that!
I just checked my Ex and I have 8 inquiries on there. The cli inquiries all went on TU. I don't really worry about Amex being worried over the inquiries but I do worry about another account hitting my report. Each time a new account reports, Amex automatically pulls my credit report. Plus if I were to get approved for the CSP, I would have to spend 3k in 3 months so I would be taking away almost all my charges from Amex to earn those points.
Just FYI - the lowest limit you can get for CSP is 5K, so if you don't consider that low, then you would be fine as far as your limit is concerned.
@09Lexie wrote:
Let me ask this question. Why do you need the CSP? If you can't justify the spend and are worried about Amex maybe you should wait
I don't really "need" the CSP. First off, I really want the sign up bonus and I like that you can earn 2x points on travel and dining. Also, as my credit gets better, I want better cards that have better rewards. I like my Amex cards and just worry about them since everyone else around here worries about them *lol*
@snowkitty wrote:I don't really "need" the CSP. First off, I really want the sign up bonus and I like that you can earn 2x points on travel and dining. Also, as my credit gets better, I want better cards that have better rewards. I like my Amex cards and just worry about them since everyone else around here worries about them *lol*
Don't worry about Amex, they won't have any issues with your opening accounts with Chase.
You can reach the spend requirement with combination of the following: (1) use it to pay all your essential bills and rent; (2) time-shift the spend with GCs or by pre-paying your bills; (3) and, just use amzn payments.
The annual fee is a non issue, since it's waived the first year, and Chase allows for a seemless PC to the non-fee Sapphire, if you're reticent to cancel the account.
I would recon again. Often its just a matter of getting the right person. You already applied, the HP can't be reversed, so its worth it to try again (at least once, if not a few more times).