Whatamuji wrote:Well the reason I asked was because I figured if I made my Chase card my main card and it saw heavy usage it would raise my CL and eventually get me to the 5k point needed for a CSP (I'm thinking down the road). But if that's not the case for the majority of people who have Chase, which of my lenders would be my best bet (Discover, CapOne, or BoA)?
The Amazon Visa is a card that I have not heard much about; however, I have seen even those with solid credit histories get less than stellar credit lines. I wouldn't be surprised if your one auto CLI on this card is about $1,000- $2,000. Based on your signature I am guessing that you are either newish to credit or have re-established. Having said that, I do not think you will have any trouble getting approved for CSP within a year or so as long as you maintain an excellent credit rating. Although there is anecdotal evidence that suggests that Chase does not want to be your first $5K lender, others have been approved for CSP at $5K without having another $5K + card beforehand. Chase does look at your overall credit history, but they also are a lender (Amex being another) that have an internal score model that carries a lot of weight. If they see you handled your Amazon well and they think they can make money off you, they will likely approve. Just don't go opening any other cards before you go for CSP. If CSP is your goal card, no more applications. I would suggest you read some of the postings on MyFico about Chase's newer policies. It seems that they no longer like to see new accounts opened within the past two years. As always, YMMV.