CSP

[lonewolf210]

I got approved with only 1 card(non chase) that had a cl of 1k. I make 50k and my score was around 700. Took them like 2.5 weeks to approve but I didn't have to recon either. 

[Lin55]

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@lonewolf210 wrote:

I got approved with only 1 card(non chase) that had a cl of 1k. I make 50k and my score was around 700. Took them like 2.5 weeks to approve but I didn't have to recon either. 

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What was your CL for the CSP and what was your UTIL at the time at approval?

[Networth]

They typically like to see atleast 1 year of solid credit history, and it is a Visa Signature so they must be willing to give you a 5k credit limit miniumum. The CSP seems difficult to get, and it can be, but others seem to get the card with ease. I would say you have a fair shot 

[red259]

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@Networth wrote:

They typically like to see atleast 1 year of solid credit history, and it is a Visa Signature so they must be willing to give you a 5k credit limit miniumum. The CSP seems difficult to get, and it can be, but others seem to get the card with ease. I would say you have a fair shot 

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you can get it with less than a year of history, especially if you have six+ months with freedom and good scores/util etc. The 5k min credit line is where people run into problems.

[takeshi74]

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@xgac12x wrote:

does the CSP have any requirements, income, score etc? 

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Every card has underwriting requirements.  We can't spell them out no matter what the card.  There are some guidelines we can offer that are mentioned in this thread.

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@jaraico wrote:

i agree with credit junkie people want to put this card on a pedestal

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Some do.  Some do not.  Some jump to broad, sweeping generalizations.  It's just a card to me.  It has relatively tougher requirements compared to, say, the Freedom for example.

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@xgac12x wrote:

I'm looking to app in the middle of April. I have a BoA card that I do not use for anything..Should I close it after I get the CSP?

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Your call.  Consider the impact to utilization and your credit.

[xgac12x]

My oldest card is my Kohls card which I opened in 6/2012. I've had my Freedom since 09/13, should I go for the CSP in April or will I have to wait until I've had my freedom for a year? Because if so, I am just going to get the PRG AMEX.

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@Networth wrote:

They typically like to see atleast 1 year of solid credit history, and it is a Visa Signature so they must be willing to give you a 5k credit limit miniumum. The CSP seems difficult to get, and it can be, but others seem to get the card with ease. I would say you have a fair shot 

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[xgac12x]

Because if I don't get the CSP I'll probably just go for the AMEX like I said, along with a CLI on my Freedom? 

[MissCredit9]

If you have had the Freedom at least 6 months you will almost certainly get it. Most people who are approved for the CSP that dont have any other limits near 5k have a prior cc relationship with Chase.

[xgac12x]

Yeah I have a checking account along with my Chase Freedom which I use quite heavily so yeah who knows. I would much rather get the CSP.