August 2015 Garden Club/Cult

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CarefulBuilder14
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Re: August 2015 Garden Club/Cult

Postby CarefulBuilder14 » Fri Aug 07, 2015 5:52 pm

My utilization and number of cards reporting a balance varies, so I can't be certain of the cause, but...

My EX and TU FICOs (not sure of the score versions) went up about 15 points each once my EDP CLI reported (vs. a few days before the CLI). Maybe that's the "premium card" effect of having at least one $10k+ CL.

Or it could just be AAoA and inquiries getting older.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when


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Snowman
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Re: August 2015 Garden Club/Cult

Postby Snowman » Sun Aug 09, 2015 11:44 am

Rockyrock- Haha yeah it's been hectic at work lately, and literally just no time to even come on here. Oh god, I thought he was done with Discover long ago...
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

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CarefulBuilder14
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Re: August 2015 Garden Club/Cult

Postby CarefulBuilder14 » Sun Aug 09, 2015 1:27 pm

Snowman wrote:Rockyrock- Haha yeah it's been hectic at work lately, and literally just no time to even come on here. Oh god, I thought he was done with Discover long ago...

He closed a Synchrony Amazon Prime store card and a few others in June during some sort of ascetic credit purge. Then he reapplied for one in July and got declined (for that and a few Cap One cards). I think those declines triggered this particular hiatus.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

kdm31091
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Re: August 2015 Garden Club/Cult

Postby kdm31091 » Mon Aug 10, 2015 8:55 pm

CarefulBuilder14 wrote:
Snowman wrote:Rockyrock- Haha yeah it's been hectic at work lately, and literally just no time to even come on here. Oh god, I thought he was done with Discover long ago...

He closed a Synchrony Amazon Prime store card and a few others in June during some sort of ascetic credit purge. Then he reapplied for one in July and got declined (for that and a few Cap One cards). I think those declines triggered this particular hiatus.


How someone thought they'd be approved for a card they had closed a month ago is beyond me

Vermonster
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Re: August 2015 Garden Club/Cult

Postby Vermonster » Tue Aug 11, 2015 9:42 am

Well after 3 years chase has finally shown some love. I logged in to see a $1500 increase to my CSP limit. Pretty happy to see that after all the crap I went through to increase the limit on my freedom.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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CarefulBuilder14
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Re: August 2015 Garden Club/Cult

Postby CarefulBuilder14 » Tue Aug 11, 2015 3:48 pm

Vermonster wrote:Well after 3 years chase has finally shown some love. I logged in to see a $1500 increase to my CSP limit. Pretty happy to see that after all the crap I went through to increase the limit on my freedom.

Has your Amex started reporting? Maybe they saw the higher Amex limit.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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amexmember12
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Re: August 2015 Garden Club/Cult

Postby amexmember12 » Tue Aug 11, 2015 4:59 pm

Vermonster wrote:With a few years of good history on the Freedom you should have an easy time apping for the CSP. As a current Chase customer they'll care more about your debt to income ratio.


I went straight for the CSP off the bat with Chase in January , and got approved for $9K. This was my 1st Chase card, apped for the Freedom yesterday and got approved for $10k. Was surprised that I got the CSP.
CSR $24K | Discover IT $22.9K | AMEX BCE $15K | AMEX EveryDay $12.9K | Marriott Premier - $11K | Delta Platinum $10K | Freedom $6.5K | Freedom $6K | BOA Travel Rewards - $2.7K | AMEX Premier Gold

Vermonster
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Re: August 2015 Garden Club/Cult

Postby Vermonster » Tue Aug 11, 2015 5:47 pm

amexmember12 wrote:
Vermonster wrote:With a few years of good history on the Freedom you should have an easy time apping for the CSP. As a current Chase customer they'll care more about your debt to income ratio.


I went straight for the CSP off the bat with Chase in January , and got approved for $9K. This was my 1st Chase card, apped for the Freedom yesterday and got approved for $10k. Was surprised that I got the CSP.


But did you already have any other cards with a $5k+ credit line?

CarefulBuilder14 wrote:
Vermonster wrote:Well after 3 years chase has finally shown some love. I logged in to see a $1500 increase to my CSP limit. Pretty happy to see that after all the crap I went through to increase the limit on my freedom.

Has your Amex started reporting? Maybe they saw the higher Amex limit.


Yeah, I swear Amex was watching my posts the other day. After checking my score on the Amex website, I logged into my Experian credit tracker and saw that my score had dropped a few points due to new accounts. It's weird though, it shows it reporting as of the first statement in May. So the balance is $0 and the limit is $6,400. Last statement was 7/20 and closed with a $480ish balance. I let it sit for a week before paying it off, so I'm surprised it didn't show the most recent statement on my credit report.

But then again, according to Credit Karma my CSP was increased on the 16th of July. I honestly don't think that is true though. My last payment would have been around the 24th and I didn't notice it then. No letters or messages from Chase either. Weird shit going on, but not bad in the grand scheme of things.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

whit
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Re: August 2015 Garden Club/Cult

Postby whit » Tue Aug 11, 2015 9:29 pm

amexmember12 wrote:
Vermonster wrote:With a few years of good history on the Freedom you should have an easy time apping for the CSP. As a current Chase customer they'll care more about your debt to income ratio.


I went straight for the CSP off the bat with Chase in January , and got approved for $9K. This was my 1st Chase card, apped for the Freedom yesterday and got approved for $10k. Was surprised that I got the CSP.


i'm not.

you don't necessarily have to have a card already with chase, or even a credit card outside of chase that is over 5k.

does it help? heck yeah.

absolutely necessary?

nope.

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CarefulBuilder14
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Re: August 2015 Garden Club/Cult

Postby CarefulBuilder14 » Tue Aug 11, 2015 9:53 pm

It's definitely a question of whether Chase thinks a customer can handle a $5k limit. I had $6k on a 4-month-old BCE when I got my instant-approval $7.5k CSP, but if I'd had even a $3k card (with a longer history), then a CSP might have been easy, too.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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