my CSP unboxing

A place to discuss anything... except credit cards!
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marlonbishop
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Postby marlonbishop » Sun Aug 17, 2014 3:22 pm

onion wrote:I've begged and begged and begged with AmEx but their system locks the application and they can't do anything at all. :( Then, there's a 10 day waiting period between the first card being sent and being able to request a new card (which can then be overnighted). Glad to know Chase is willing to do it. I'll put that to use when they finally decide I'm good enough for their Freedom card.


I'm thinking of getting the chase freedom to complement the CSP but i have the discover. idk if its worth it. and when you call customer service is the best no menus!
BoA Cash Rewards $4000
Macy's $1000
Discover it $5000
Chase Sapphire Preferred $5000
Chase Freedom $2000
Amex Green NPSL
Amex Gold Premier Rewards NPSL

Find me on MyFico: Sapingo (if you see me say hello)!


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PlyrStar93
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Location: Chicago

Postby PlyrStar93 » Sun Aug 17, 2014 4:20 pm

marlonbishop wrote:I'm thinking of getting the chase freedom to complement the CSP but i have the discover. idk if its worth it.

Chase Freedom's points can be transferred to CSP so those points can further be transferred to a variety of loyalty programs. With Freedom you might be able to earn points faster so you will transfer more points to those programs.

Discover it is simply for cash back.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

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onion
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Postby onion » Sun Aug 17, 2014 5:36 pm

marlonbishop wrote:I'm thinking of getting the chase freedom to complement the CSP but i have the discover. idk if its worth it. and when you call customer service is the best no menus!


Freedom and CSP are on of the best card combos you can have, along with AmEx Plat and Everyday, and a couple others. I think we have a blog post about it.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14

Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000

marlonbishop
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Location: Florida

Postby marlonbishop » Sun Aug 17, 2014 6:43 pm

onion wrote:Freedom and CSP are on of the best card combos you can have, along with AmEx Plat and Everyday, and a couple others. I think we have a blog post about it.


i want to apply i should call cust service first. im affraid i might get turned down for the freedom. is chase freedom easier to get than the CSP ?
BoA Cash Rewards $4000

Macy's $1000

Discover it $5000

Chase Sapphire Preferred $5000

Chase Freedom $2000

Amex Green NPSL

Amex Gold Premier Rewards NPSL



Find me on MyFico: Sapingo (if you see me say hello)!

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onion
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Postby onion » Sun Aug 17, 2014 7:05 pm

marlonbishop wrote:i want to apply i should call cust service first. im affraid i might get turned down for the freedom. is chase freedom easier to get than the CSP ?


Much easier, the Freedom is their "starter" card. I got turned down twice for it, though. After speaking to multiple analysts, I found out that they want at least 1 year of history to even consider an application. What's your credit file like?
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000

marlonbishop
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Posts: 85
Joined: Sat Aug 09, 2014 11:09 am
Location: Florida

Postby marlonbishop » Sun Aug 17, 2014 11:27 pm

onion wrote:Much easier, the Freedom is their "starter" card. I got turned down twice for it, though. After speaking to multiple analysts, I found out that they want at least 1 year of history to even consider an application. What's your credit file like?


Short credit history 2Yrs1Mo (CreditKarma). in this month i got approved for a discover it and Chase Sapphire Preferred. Thats why I'm concerned with the inquiries in just one month.
BoA Cash Rewards $4000

Macy's $1000

Discover it $5000

Chase Sapphire Preferred $5000

Chase Freedom $2000

Amex Green NPSL

Amex Gold Premier Rewards NPSL



Find me on MyFico: Sapingo (if you see me say hello)!

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onion
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Location: Jacksonville, FL

Postby onion » Sun Aug 17, 2014 11:32 pm

marlonbishop wrote:Short credit history 2Yrs1Mo (CreditKarma). in this month i got approved for a discover it and Chase Sapphire Preferred. Thats why I'm concerned with the inquiries in just one month.


Seeing how they gave you the minimum limit they can with that CSP, I'd give it a while. Either wait for some inquiries to fall off, or give that CSP a bunch of spend and pay it off multiple times a month and they'll be more inclined to give you the freedom in a few months.
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000

marlonbishop
Platinum Member
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Posts: 85
Joined: Sat Aug 09, 2014 11:09 am
Location: Florida

Postby marlonbishop » Mon Aug 18, 2014 12:13 am

onion wrote:Seeing how they gave you the minimum limit they can with that CSP, I'd give it a while. Either wait for some inquiries to fall off, or give that CSP a bunch of spend and pay it off multiple times a month and they'll be more inclined to give you the freedom in a few months.


Sounds good! thanks for the info!
BoA Cash Rewards $4000

Macy's $1000

Discover it $5000

Chase Sapphire Preferred $5000

Chase Freedom $2000

Amex Green NPSL

Amex Gold Premier Rewards NPSL



Find me on MyFico: Sapingo (if you see me say hello)!

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onion
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Posts: 262
Joined: Tue Jul 01, 2014 8:59 pm
Location: Jacksonville, FL

Postby onion » Mon Aug 18, 2014 12:24 am

marlonbishop wrote:Sounds good! thanks for the info!


No problem. Just so you know (maybe it'll be helpful in the future), Visa signature cards have a minimum credit limit of $5,000, so it's not a Chase thing as much as it is a standard.

Good luck on the freedom!
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000



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