Haven’t gotten any pre quals. Why no chance on CSR?
It depends on your credit profile
1. Chase dislikes thin files. Your AAoA might be ok at 1yr+ or so by the time you clear the 5/24, assuming you don't do more apps by then, but 5 or so cards all within 2 years is still a relatively thin file. But in general, Chase will accept a solid year or so of history I believe.
2. It will also depend on the CLs on your other cards. Chase in the past hasn't liked being the first high limit card in your wallet and CSR has a minimum starting CL of $10K I believe. So your chances of being approved for a CSR is very low if you don't already have a 10k+ card or something close. CSP I believe starts at $5K? So it's more likely on a portfolio of lower limit cards.
3. Those scores a bit on the low side for now. Hopefully you'll clear 700 by the time you apply.
At this point some old medical collections, working on getting them resolved. Had a credit card with WaMu which they acquired, had a kidney transplant and fell in tough times so it was charged off. No longer on my report but they can see it, let me in with the $500 limit, card will be 2 years old in Nov. AAoA 2.5 right now. Also have my auto lease with them as well. First $10K credit card with my CU, just reported this month. Hoping once that’s six months old I can app for CSP or CSR.
What is your utilization at the time you made the request? What were the reason for the denial of the CLI?
I don’t recall as it was Feb 2018
Utilization now is 19%
Thanks. What were the denial reasons for the CLI?