Re: what are my odds....chase SP

revvystoke · ‎05-18-2013

Just paid off my cards, waiting for my balances to update. Before discover reported a balance my score was 719EQ, 738TU last I checked, it dropped a few points but should go back to that score once it updates soon.

I want the signup bonus of the CSP and possibly a card for my daily spending. I usually run $4-5k per month through my airline card

My util is currently 14% out of $16.5k total. 65k a year income, 2.5yr aaoa.

$3500 discover, $5000 boa 123 $7500 ak air, only have a balance on the akair card and less then $2k left on a $16k car loan.

.

AkAir $50k | Marriott $65k | Local CU $8k
TU: 770 / EQ: 748 / EX: 769

myjourney · ‎05-18-2013

@revvystoke wrote:
Just paid off my cards, waiting for my balances to update. Before discover reported a balance my score was 719EQ, 738TU last I checked, it dropped a few points but should go back to that score once it updates soon.

I want the signup bonus of the CSP and possibly a card for my daily spending. I usually run $4-5k per month through my airline card

My util is currently 14% out of $16.5k total. 65k a year income, 2.5yr aaoa.

$3500 discover, $5000 boa 123 $7500 ak air, only have a balance on the akair card and less then $2k left on a $16k car loan.

.

Pretty good odds YMMV

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

jamesdwi · ‎05-18-2013

Chances look good, even before balances update, unless you have a card over 60-70% showing, 14% is good enough when you have over a 700 score and existing cards with over a 5k limit.

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k

09Lexie · ‎05-18-2013

Sounds good to me.

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enharu · ‎05-18-2013

I agree with what others said. Your chances look good.

If you want to be on the safe side you can always wait until all your new balances are updated as well.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

CardsLifeLine · ‎05-18-2013

Good profile ... wish you good luck and kepe us posted with your status on CSP ... this one is my dream card ...

USBank Cash+(14K)/Penfed Rewards Visa Sigg (25K)/ Penfed Promise card (5K)/ Penfed Amex Travel Rewards card(20K)/AMEX ZYNC (NPSL)/AMEX Startwood(9K)/AMEX COSTCO(5K)/AMEX EVERY DAY (10K)/AMEX HILTON HONOURS (8K)/CHASE FREEDOM(4K)/Chase Salte(12K)/AMEX Fidelity Investments(7.5K)/BOA Better Balance Rewards(5K)/BoA Travel Signature Card (10K)/BoA rewards cards (15K)/AMEX MACYS(6K)/Barclaycard Rewards(3K)/Salie Mea (5K)/DISCOVER IT(7K)/ DCU VISA Platinum Card(7.5K)/PAYPAL MASTER CARD(8K)/GAP(4.5K)/US Bank Flex Rewards (6K)/ Best Buy (4k)/Gymbore Visa card(6K)/ TARGET(600)/CHILDREN PLACE(900)/WALMART DISCOVER(8K)/TOY R US MASTER CARD(8K)/JCP(4K)/KOHLS(400)– Total 31 Cards

mcf · ‎05-19-2013

Get It Already!! Good luck!

Starting Score:567Walmart TU 701, Credit Sesame 722, credit secure 701 credit karma 694Last Score: 689 TU/Walmart CK 645 Goal Score:800 CLUB
Last HP:2/2015 Util:9% CL:82KTake the myFICO Fitness Challenge

ztnjpv · ‎05-19-2013

I'd say the odds are good. Beyond the basic criteria, you have gainful income and show experience with multiple prime cards with limits 5000+. The AAoA is good enough IMHO. But I am not an underwriter. So take it for what it's worth. Good Luck!

Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!

revvystoke · ‎05-21-2013

I app'd this morning. Got the 10day message.

Pulled my eq report after and my score dropped to only 701. My BOA reported mid cycle and upped my util to almost 22%, 46% for that account. Just came back from a business trip and I get my expenses reimbursed, hotel, airfare etc.

I called the recon number and was told they needed to verify an old address. Rep came on and said I was approved for $12k and asked if that was ok. I am happy now. Back to the garden for me.

AkAir $50k | Marriott $65k | Local CU $8k
TU: 770 / EQ: 748 / EX: 769

09Lexie · ‎05-21-2013

Woo hoo! Congrats! Great starting CL.

See you in the garden!

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what are my odds....chase SP

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what are my odds....chase SP