CSP goal

[pats23]

My goal is to get the CSP.....,I have a chase freedom with a 3.5k for 6 months PIF good amount run through one auto CLI so they must like me. Only other relevant card is a discover more 2k limit have auto loan and student loan. No baddies util 0-5% usually. Scores hover a lil over 700. I guess my question is should I be able to apply for CSP or am I Better off going for CLI on freedom until I have a card over 5k? Has anyone gotten the CSP with no other cc over 5?

[Anonymous]

You would be more likely to get approved for the CSP then get a CLI over 5k on your Freedom card, for some reason Chase doesn't like giving CLIs

[Jayb5635]

I got my CSP with my highest limit at the time my freedom from Chase and Barclay rewards mc, both 1.5k.  Freedom was right around the 6 month mark when I applied.  Score they got from my Equifax they pulled was 723, 3 inquiries from 6 months prior.  YMMV.  Hope this helps.

[pats23]

That gives hope jay

[distantarray]

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@pats23 wrote:
My goal is to get the CSP.....,I have a chase freedom with a 3.5k for 6 months PIF good amount run through one auto CLI so they must like me. Only other relevant card is a discover more 2k limit have auto loan and student loan. No baddies util 0-5% usually. Scores hover a lil over 700. I guess my question is should I be able to apply for CSP or am I Better off going for CLI on freedom until I have a card over 5k? Has anyone gotten the CSP with no other cc over 5?

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highest CL reported at the time was $1,500 cause my NFCU $17,000 wasn't reported at the time, and still got approved. although I do have 5-6 figures in my Chase account at that time.

[RhubarbPie]

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@pats23 wrote:
My goal is to get the CSP.....,I have a chase freedom with a 3.5k for 6 months PIF good amount run through one auto CLI so they must like me. Only other relevant card is a discover more 2k limit have auto loan and student loan. No baddies util 0-5% usually. Scores hover a lil over 700. I guess my question is should I be able to apply for CSP or am I Better off going for CLI on freedom until I have a card over 5k? Has anyone gotten the CSP with no other cc over 5?

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CSP was basically the first card I ever applied for aside from a stupid Gap Visa that I opened because it was 40% off that day, and one of my parents' cards that I'd been an authorized user on for a long time (that card, however, is on my credit report...I'm just not really sure how heavily it is factored in). The Gap Visa had a really low limit - something like 2K. My parents' card had/has a limit of 35 or 40K, but again, I'm just an AU, despite it being on my credit report. My fico is between 770-780. I was instantly approved for CSP.

[Anonymous]

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@RhubarbPie wrote:

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@pats23 wrote:
My goal is to get the CSP.....,I have a chase freedom with a 3.5k for 6 months PIF good amount run through one auto CLI so they must like me. Only other relevant card is a discover more 2k limit have auto loan and student loan. No baddies util 0-5% usually. Scores hover a lil over 700. I guess my question is should I be able to apply for CSP or am I Better off going for CLI on freedom until I have a card over 5k? Has anyone gotten the CSP with no other cc over 5?

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CSP was basically the first card I ever applied for aside from a stupid Gap Visa that I opened because it was 40% off that day, and one of my parents' cards that I'd been an authorized user on for a long time (that card, however, is on my credit report...I'm just not really sure how heavily it is factored in). The Gap Visa had a really low limit - something like 2K. My parents' card had/has a limit of 35 or 40K, but again, I'm just an AU, despite it being on my credit report. My fico is between 770-780. I was instantly approved for CSP.

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I'm sure your score got you approved, it probable never went to underwriting so no one ever noticed you were just an AU...