Want to apply for CSP

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Najeem
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Location: NYC

Want to apply for CSP

Postby Najeem » Mon Mar 24, 2014 11:55 pm

Hi, I need some advice on applying for CSP. I currently have 6 credit cards and are all paid on time. My oldest account age is 3.2 years and average is 1.4 years. I have +40k in my Chase savings/checking and have never been denied by Chase so far. I have 6 hp and 2 will drop off next month. My income is 40-50k and score is 727. I'm also pre-qualified for the CSP. Should I apply next month or just wait longer?

Chase Slate - $2k Limit
Chase Amazon - $1k Limit
Discover - $3.5k
Citi Diamond Preferred - $3k
Capital One Platinum - $750
Citi Forward - $800

I always check this site for info before applying for credit cards and decided to sign up now.
EX - 724 EQ - 736 TU - 748
Chase Sapphire Preferred - $9.4K
Chase Slate - $2K
Chase Amazon - $2K
Amex BCP - $20K
Discover IT - $5.6k
Citi Diamond Preferred - $4.3K
Citi Forward - $3.3K
Citi Prestige - $9K
Capital One Quicksilver - $3.7K
Age - 23


Robrus1
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Location: Texas

Postby Robrus1 » Tue Mar 25, 2014 3:34 pm

Just because I'm a bit conservative I'd wait for those 2 to drop off and then go for it. FYI pre-qualified does not improve your chances of getting a card, but given the information you've provided, I think you'll be fine. Which bureau is that CS from?
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

Najeem
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Location: NYC

Postby Najeem » Tue Mar 25, 2014 4:04 pm

Robrus1 wrote:Just because I'm a bit conservative I'd wait for those 2 to drop off and then go for it. FYI pre-qualified does not improve your chances of getting a card, but given the information you've provided, I think you'll be fine. Which bureau is that CS from?


Yea, that's what I thought also. The cs is from exp. Thanks for the help
EX - 724 EQ - 736 TU - 748
Chase Sapphire Preferred - $9.4K
Chase Slate - $2K
Chase Amazon - $2K
Amex BCP - $20K
Discover IT - $5.6k
Citi Diamond Preferred - $4.3K
Citi Forward - $3.3K
Citi Prestige - $9K
Capital One Quicksilver - $3.7K
Age - 23

MemberSince99
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Location: WI

Postby MemberSince99 » Tue Mar 25, 2014 7:24 pm

You could also check their pre-qualify site to see if you are offered the card. From what I can tell if they do offer you one it's because they have softed you and you are likely (but not guaranteed but then what in life is guaranteed) to get approved.


I checked it a couple months back and never had anything before, and they offered Freedom with a specific APR and the opt out notice. I app'd and got approved.


Wouldn't hurt to wait since it's only for a short time but you might be able to get it anyway, but since they will drop off next month I would wait.

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nismoZtuner
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Postby nismoZtuner » Tue Mar 25, 2014 7:45 pm

Najeem wrote:Yea, that's what I thought also. The cs is from exp. Thanks for the help


Last week (if you haven't checked my other post)- I decided to open a savings account with Chase. While the bank guy was doing his job i asked him if the CSP was really going to have an AF increase and he told me that the card will have some changes. But if I was to get the card before the increase that I will be grandfathered with the $95 fee and he just started to talk about what the benefits of having the card were and that it compared to my PRG and not with the $175 fee. He later told me that I was pre approved for the regular and preferred card including the freedom. so then I just went for it and was approved.

According to Discover my fico score is at 746 from my last statement..
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22

Najeem
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Joined: Mon Mar 24, 2014 11:13 pm
Location: NYC

Postby Najeem » Tue Mar 25, 2014 9:34 pm

MemberSince99 wrote:You could also check their pre-qualify site to see if you are offered the card. From what I can tell if they do offer you one it's because they have softed you and you are likely (but not guaranteed but then what in life is guaranteed) to get approved.


I checked the site and I'm prequalified for csp. I'm just going to play it safe and try next month. Thanks for the input
EX - 724 EQ - 736 TU - 748
Chase Sapphire Preferred - $9.4K
Chase Slate - $2K
Chase Amazon - $2K
Amex BCP - $20K
Discover IT - $5.6k
Citi Diamond Preferred - $4.3K
Citi Forward - $3.3K
Citi Prestige - $9K
Capital One Quicksilver - $3.7K
Age - 23

Patcell87
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Location: Bergen County, NJ

Postby Patcell87 » Wed Mar 26, 2014 6:55 am

I would wait for at least two of the inquiries to drop off just to be safe. But at far as the card goes, the benefits are excellent and customer service is unparalleled IMO. Also, the Chase Freedom is a fantastic complement to the CSP as the UR points earned on the Freedom are easily transferred to the CSP for greater redemption options.

Depending on the link you use to get to the application, the annual fee shows $95, $125, or $149; if you're seeing one of the higher ones try from another browser as the lower can still be had.

Najeem
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Location: NYC

Postby Najeem » Wed Mar 26, 2014 11:51 am

Patcell87 wrote:
Depending on the link you use to get to the application, the annual fee shows $95, $125, or $149; if you're seeing one of the higher ones try from another browser as the lower can still be had.


Thank you for the info. I checked the prequalify offer and the annual fee was $95 so I'm hoping it stays the same till next month.
EX - 724 EQ - 736 TU - 748
Chase Sapphire Preferred - $9.4K
Chase Slate - $2K
Chase Amazon - $2K
Amex BCP - $20K
Discover IT - $5.6k
Citi Diamond Preferred - $4.3K
Citi Forward - $3.3K
Citi Prestige - $9K
Capital One Quicksilver - $3.7K
Age - 23

Patcell87
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Posts: 61
Joined: Fri Mar 14, 2014 4:55 am
Location: Bergen County, NJ

Postby Patcell87 » Wed Mar 26, 2014 12:12 pm

Najeem wrote:Thank you for the info. I checked the prequalify offer and the annual fee was $95 so I'm hoping it stays the same till next month.


In that case, I think you should be good to go. For some reason (marketing?), they have offers showing different annual fees. According to the customer service people, they are targeting different annual fees to different groups of people, but no across the board fee increase is necessarily around the corner. Seems kind of strange to me...

Najeem
Green Member
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Posts: 11
Joined: Mon Mar 24, 2014 11:13 pm
Location: NYC

Postby Najeem » Wed Mar 26, 2014 5:36 pm

I just the got prequalification for csp in the mail today, what a coincidence lol. I don't know if I could wait any longer, the anticipation is killing me
EX - 724 EQ - 736 TU - 748
Chase Sapphire Preferred - $9.4K
Chase Slate - $2K
Chase Amazon - $2K
Amex BCP - $20K
Discover IT - $5.6k
Citi Diamond Preferred - $4.3K
Citi Forward - $3.3K
Citi Prestige - $9K
Capital One Quicksilver - $3.7K
Age - 23



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