CSP

[Anonymous]

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@takeshi74 wrote:

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@Anonymous wrote:

Freedom card has $30.3k limit and I also UMEP card with $5k limit. Will I have any chance at getting a decent limit with a CSP

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No way for us to know.  It's not just a matter of your existing limits.  You entire credit profile and income will determine the limits that you qualify for with any creditor.

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@Anonymous wrote:

Does Chase have any sort of cap on total CL one can have? 

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Your credit profile and income will determine your internal limit.  Every creditor is only going to be willing to extend a certain amount to a given credit profile.  We don't know such specifics for any creditor.  We can try to use aggregated anecdotal evidence but there are pitfalls in doing so.

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@Anonymous wrote:

Denied due to "according to EQ, too many cards opened in last 2 years". Extremely shocked. Any suggestions?

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As stated above, it's the 5/24 thing.  You'll have to wait to apply until you're out of it.  While there isn't a sticky it is a very common discussion topic so don't overlook existing threads as resources.

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Will go through the other threads. Thanks for the info! 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Denied due to "according to EQ, too many cards opened in last 2 years". Extremely shocked. Any suggestions? I called 888/609-7805.

I've opened over the past 2 years:

AMEX platinum

AMEX Costco

Citi simplicity

Bestbuy MasterCard 

Just had to get AMEX green card I believe from my employer

I bought a truck in November 

Credit score 740-750, definitely a few inquiries nothing insane though 

I have a mortgage that would also show from within last 2 years, divorced but my name hasn't come off of it yet. 

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Yet another victim of 5/24. If only that sticky request post was actually listened to. 

Sorry, evidently I missed this.....I'll look for whatever post you are referring to. 

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No reason to be sorry. Almost two months ago, I asked for a sticky post because there were several people a week doing exactly this. Applying for a card they had zero chance of getting due to the 5/24 rule. It fell on deaf ears.

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Just read it. I don't think that I have more than 5 cards that have been opened within that timeframe. Unless the Green Card is already reporting as opened....

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When was the last time you checked Credit Karma? If you pull it now, you'll know your whole story.

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Could you elaborate on what you mean? I just signed in but can't locate an area that says specifically "recently opened accounts"....

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Sure, just open your EQ report and check accounts. There is an option to sort accounts by open date. If you have 5 accounts with open dates in the last 2 years, you are disqualified from the CSP, Freedom, and Slate. 

[Anonymous]

Found it. I completely forgot I got a Chase UEMP card 🙈

So since February 2015 I've opened 5 total. I suppose that means I have to wait until February 2017 before I can get CSP and can't get any new cards between now and then?

[Anonymous]

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@Anonymous wrote:
Found it. I completely forgot I got a Chase UEMP card 🙈

So since February 2015 I've opened 5 total. I suppose that means I have to wait until February 2017 before I can get CSP and can't get any new cards between now and then?

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Correct. As of Monday. That's only a year.