Odds of Approval for CSP

[Anonymous]

Hey guys.

A while ago, I posted this thread asking if I should apply for the CSP. I'm sort of just reposting that, but with some updated information.  

Once again, here are the important details:

• I'm 20, still a college student.
• Most recent scores are in my signature.
• I'm pretty sure I have 8 inquiries right now.
• Reported income will now be 45k.
• Overall utilization when I apply will be about 1% and only the Freedom will report a balance.

Cards and age:

• Wells Fargo - 1 year 9 months
• Discover It - 10 months
• Chase Freedom - 8 months
• Amex BCE - 4 months
• Citi Div Plat Select - 3 months
• Amazon Visa -  bit less than 1 month

AAoA according to Credit Karma - 9 months 

The limits on my cards are also in my signature. No derogatory marks and perfect payment history. What do you think are my odds?

[Anonymous]

It depends on where Chase pulls the score/report. I think you may be able to get it.

[Anonymous]

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@Anonymous wrote:

It depends on where Chase pulls the score/report. I think you may be able to get it.

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Don't they usually pull Experian?

[CreditScholar]

They'll likely deny you due to your inqs and AAoA. You really need to let your accounts age and those inqs to wear off. Why do you want a CSP anyways at your age?

[improvingmycredit]

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@Anonymous wrote:

Hey guys.

A while ago, I posted this thread asking if I should apply for the CSP. I'm sort of just reposting that, but with some updated information.  

Once again, here are the important details:

• I'm 20, still a college student.
• Most recent scores are in my signature.
• I'm pretty sure I have 8 inquiries right now.
• Reported income will now be 45k.
• Overall utilization when I apply will be about 1% and only the Freedom will report a balance.

Cards and age:

• Wells Fargo - 1 year 9 months
• Discover It - 10 months
• Chase Freedom - 8 months
• Amex BCE - 4 months
• Citi Div Plat Select - 3 months
• Amazon Visa -  bit less than 1 month

AAoA according to Credit Karma - 9 months 

The limits on my cards are also in my signature. No derogatory marks and perfect payment history. What do you think are my odds?

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Hey Commandolam!  

You've done a GREAT job of building up a good looking profile.  Unfortunately... what's hurting you is time.  You will have to let those accounts age just a bit more and you should be good to go.  I'm thinking about 6 months of time and let those new accounts grow some.  

Great Job!

[Anonymous]

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@CreditScholar wrote:
They'll likely deny you due to your inqs and AAoA. You really need to let your accounts age and those inqs to wear off. Why do you want a CSP anyways at your age?

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I travel abroad once a year. I figured it'd be a good card to have since it's essentially AF-free for 5 years given the bonus. Also, I'm gonna be studying abroad for like 9 months pretty soon here. The lack of a foreign transaction fee on the card sounds useful.

Plus it's METAL

And thanks for your input, improvingmycredit. 

[parakleet]

Chase has pulled EQ pretty much exclusively for me but it may depend on location. I'd say our EQ and your aaoa is hurting your chances for the CSP but as all things in credit, YMMV. Good luck. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

It depends on where Chase pulls the score/report. I think you may be able to get it.

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Don't they usually pull Experian?

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They pulled my Trans Union.

[shanac]

They pulled EX and TU for me for the Freedom over a week ago and looks like they used the same pulls for my CSP the following day. I'm in Illinois.

[CreditScholar]

Where were you planning to study abroad? The CSP doesn't have an EMV chip in it, so depending on where you go it may be quite difficult.