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Chase CSP

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Frequent Contributor

Chase CSP

I am trying to figure out if Chase will approve me for the CSP card. My EX is 687, TU 651, EQ 649. No collections for EX, 1 on TU and 3 on EQ which should be coming off soon. I have a charge off which is a couple years old. I have a Cap1 AU for 10k with 29% utilization. Is there a chance I can get approved or should I forget about it for now?

Message 1 of 9
8 REPLIES 8
Valued Contributor

Re: Chase CSP


@tbea1004 wrote:

I am trying to figure out if Chase will approve me for the CSP card. My EX is 687, TU 651, EQ 649. No collections for EX, 1 on TU and 3 on EQ which should be coming off soon. I have a charge off which is a couple years old. I have a Cap1 AU for 10k with 29% utilization. Is there a chance I can get approved or should I forget about it for now?


Your EX is a little low, but marginal for approval. The real question is do you have any of your own cards, and has one of those been at a $5K or more limit for at least a year?

 

Chase typically does not like to be your first $5K+ card, and will frequently deny someone for the CSP for inexperience at higher limits.  


Message 2 of 9
Frequent Contributor

Re: Chase CSP

The only card of my own at this time is a USAA secured card and is is fairly new.

Message 3 of 9
Valued Contributor

Re: Chase CSP

I think a Chase CSP is pretty ambitious given your scores, baddies and overall profile.  I doubt you would get approved.  The only way to know for sure is to that the HP and see if you get approved but if I were you I would let the baddies age off that are coming up soon and reduce your utilization and then go for a freedom.  

Message 4 of 9
Valued Contributor

Re: Chase CSP


@tbea1004 wrote:

The only card of my own at this time is a USAA secured card and is is fairly new.


You need at least 6 months to a year of history to get in with Chase, and experience with higher credit limits if you want the CSP. I would wait until you get some of your baddies cleaned up and get a 5K or higher tradeline (not AU) with some history behind it.

 

I suggest letting your USAA account grow for 6 months before applying for anything else. 


Message 5 of 9
Super Contributor

Re: Chase CSP

My scores were not far from yours when I first got ahold of a CSP. I had applied right after getting a SW card approved.
EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 6 of 9
Valued Contributor

Re: Chase CSP


@tbea1004 wrote:

I am trying to figure out if Chase will approve me for the CSP card. My EX is 687, TU 651, EQ 649. No collections for EX, 1 on TU and 3 on EQ which should be coming off soon. I have a charge off which is a couple years old. I have a Cap1 AU for 10k with 29% utilization. Is there a chance I can get approved or should I forget about it for now?


nobody has a crystal ball but your scores are a bit weak and your util is high imo.  if you go online do you see a pre-approval?  if there is a branch close you could also try for a pre-approval there - if there is one I would consider it but note it might be a 2x hp.  I am not much into blind apps but that is just me

Message 7 of 9
Super Contributor

Re: Chase CSP

I didn't even see the utilization.

Yeah. I'd get that down or off your files if possible.
EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 8 of 9
Frequent Contributor

Re: Chase CSP

What is your income level?

 

If your income is over a certain point and with those scores Chase may approve you. I would do the pre-qualification tool Chase has and see if any offers pop up as well as possibly consult in-branch.

 

Hope this helps!!

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