CSP

[twist7d7]

So it looks like my next app will be a CSP provided that i can down grade to a non perfered card in 11 months. Im going to wait for my scores to be north of 720 to app. How hard is chase going to fight me on the downgrade? I should only run about 4k through the card in a year. but i figured i would get the signup bonus of the perfered and then downgrade. what do we think of this plan?

[gdale6]

Go for it I see quite a few posts about people doing what you want to do though most of them downgrade it when the AF comes due. Good luck

[twist7d7]

my TU score is 680 now do you think i will be good will 700? i also think my AAoA is holding me back. i know that i need to be able to be approved for a 5k limit. FYI im not preaproved ATM.

[twist7d7]

also is chase ok with inqurs i have a few.

[bigbang91]

---

@twist7d7 wrote:

also is chase ok with inqurs i have a few.

---

I just got approved on Feb 10 with 7 inqs and 4 new accounts in the last 6 months

[twist7d7]

What was your AAoA

[takeshi74]

---

@twist7d7 wrote:

my TU score is 680 now do you think i will be good will 700?

---

It's never just a matter of one factor such as score.  Consider you entire credit picture.

[twist7d7]

---

takeshi74 wrote:

---

twist7d7 wrote:

my TU score is 680 now do you think i will be good will 700?

---

It's never just a matter of one factor such as score.  Consider you entire credit picture.

---

Trying to, but i dont know how mine will look to chase.

[yudeology101]

---

@takeshi74 wrote:

---

@twist7d7 wrote:

my TU score is 680 now do you think i will be good will 700?

---

It's never just a matter of one factor such as score.  Consider you entire credit picture.

---

+1.

Chase will also look at your income + overall UTIL.  Your TU score looks good, but Chase also likes pulling EX so make sure your EX score is somewhat higher/matching. 

[bigbang91]

---

@twist7d7 wrote:

What was your AAoA

---

Assuming u asked me, 10 months