I see, and it's more of an OCD thing. Everytime I see my report it's the only negative thing on there.
But how student loans are setup typically there's more than one associated with the account.
So even though I was supposedly late through out this stretch of time once... it is showing up as 4 late payments, 90/120/150 and apparently another mark, but on 16 different student loans, all at the same da mn time.
So it says something like 78 late payments lmao
So that, teamed up with my "thin" file was giving chase a reason to decline my CLI shortly after activation.
Honestly, I think I was also applying for too many great (SUB) cards in too short of a time period, with too thin of a profile.
I got approved for all the cards I wanted through them... except for the Chase Ink Preferred
I think I'm going to wait a little while, let my payment history with them show a few on time payments, let my 2 amex cards show up with good payment history (they still haven't hit my report) ... and hopefully a 3X CLI @ 61+ days
Then I'm going to reapply for the CIP, maybe around November... after that, a CLI on my CSP to get ready for the product change to the CSR after my year is up!
I got plans!
Hopefully by then these student loans just disappear some how
Thanks again for all of your time and answers