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don't count any over 12 months old. Lenders don't.
Also lenders are supposed to lump AUTO and Home INQ's together so they count as a single one for each group.
if your UTL is good, chase will probably give you a chance if you have been responsible with your cards. Chase has been SP'ing since you got your card, they know you and will make the determination base on its internal score, not your FICO's. If they deny you they will state it was because of FICO, but really its your internal score that matters once you are a customer.
You cannot PC to a CSP unless your limit is 5k or greater. If you ask for a CLI on the FU and your new limit is >=5k, then it is possible, but not guaranteed.
I think after being with Chase for at least one year and perfect history otherwise, they will be willing to approve you for a CSP.
^^Ditto to Chase Internal Risk score. My banker just blushes when I mention it, but doesn't deny that it means everything to them lol.
I think based on your scores and other info if it weren't for 5/24 rule you think you are under you'd be approved for the CSP. The question is exactly how bad you want it because missing out on the at the very least the minimum $5k SL is a hard pill to swallow when talking about a PC from your Freedom. I mean unless they consider moving that CL up when doing a possible PC takes into effect; I dunno how that would work exactly.
@Anonymous wrote:You cannot PC to a CSP unless your limit is 5k or greater. If you ask for a CLI on the FU and your new limit is >=5k, then it is possible, but not guaranteed.
I think after being with Chase for at least one year and perfect history otherwise, they will be willing to approve you for a CSP.
^^Ditto to Chase Internal Risk score. My banker just blushes when I mention it, but doesn't deny that it means everything to them lol.
Thanks for the reply. I thought the same thing...the CL for the CSP is $5000, but when I called to check, the CSR said I could do it. Unless she didn't understand the question, but I specifically layed out what I wanted to do and she said no problem. I didn't do it, but if there's no impact to my credit, then no harm no foul.
@simplynoir wrote:I think based on your scores and other info if it weren't for 5/24 rule you think you are under you'd be approved for the CSP. The question is exactly how bad you want it because missing out on the at the very least the minimum $5k SL is a hard pill to swallow when talking about a PC from your Freedom. I mean unless they consider moving that CL up when doing a possible PC takes into effect; I dunno how that would work exactly.
Thanks for the reply. I thought the same thing...the CL for the CSP is $5000, but when I called to check, the CSR said I could do it. Unless she didn't understand the question, but I specifically layed out what I wanted to do and she said no problem. I didn't do it, but if there's no impact to my credit, then no harm no foul.
What ?! That is crazy! I am going to call and see if I can do that too.
@Anonymous wrote:What ?! That is crazy! I am going to call and see if I can do that too.
Please let me know what they say. The person I talked to said everything about the Freedom would move to the CSP. I also specifically said the reason I wanted to make a move was due to the puny Freedom credit limit and she said directly that that would not change. The only why it would change is if I apped for the CSP or requested a cli...which would result in a hp. And since I'm sitting on exactly 5 accounts in the past 24 months, I can't apply.,,auto denial.
Nope, not eligible. Dang. I can only go back to a FU.