Re: Myths , tips and advice on getting a CSP

Anonymous · ‎03-28-2015

The chase sapphire seems like the middle class amex black or JP palladium . That being said a lot of people think it's a pretty slick card and many people want it , of course the bonus points and ultimate rewards make it better , due to that many myths , tips and advice have been spreaded across this and other forums about how to acquire one ! I've heard as far as people juggling 10k between checking accounts in order to get approved . , share any myths , tips , advice or strategies you used . ... I for example just applied plain and simple , income 26k and credit score was 710 or 715 ., my checking account (with chase) probably had $100 lol and got approved after a verification recon .

Creditwiser · ‎03-28-2015

Nice going on the CSP app. Congrats and thanks for sharing !

Anonymous · ‎03-28-2015

It's just a credit card. If you can get a 5K TL from Chase, you will be approved.

Anonymous · ‎03-28-2015

Ive had it to for a month or two now lol

chalupaman · ‎03-28-2015

@Anonymous wrote:
It's just a credit card. If you can get a 5K TL from Chase, you will be approved.

THIS. I've had no issues getting CSP. I did not have to have a checking account with them or anything. Just previous history on other Chase cards and developing a good internal score really helped.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Anonymous · ‎03-28-2015

@chalupaman wrote:
@Anonymous wrote:
It's just a credit card. If you can get a 5K TL from Chase, you will be approved.
THIS. I've had no issues getting CSP. I did not have to have a checking account with them or anything. Just previous history on other Chase cards and developing a good internal score really helped.

No issues here either, I also didn't have a checking account or any previous Chase cards. I guess I had a decent enough history to be pre-qualified for it, and since pre-qualified with Chase is pretty much approval, I went for it.

Anonymous · ‎03-28-2015

As soon as my exp report was clean it started appearing on my pre quals next to slate n freedom. 0 relationship with chase ever.

elim · ‎03-28-2015

ehhh, i think some type of competitive credit bubble... CSP's for everyone!

NRB525 · ‎03-28-2015

@elim wrote:
ehhh, i think some type of competitive credit bubble... CSP's for everyone!

You don't think maybe the AF has something to do with chances of getting a CC? Along with a not insubstantial APR if one does decide to carry a balance on this card? Seems like a personal choice if one wants to pay 16% on money, and not so much a credit bubble.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎03-28-2015

The AF probably has a little to do with it.

Myths , tips and advice on getting a CSP

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Myths , tips and advice on getting a CSP