Had some good luck with Chase today

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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MemberSince99
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Postby MemberSince99 » Sat Nov 17, 2012 5:20 pm

Wow Congratulations! That's not bad at all. If I recall you had charge offs with them as well? That's amazing. Great work those are great cards and great limits to have! That CSP is quite the card, that's the ONE card really above AMEX I'd love to have but never will. Enjoy!


kcarter609
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Postby kcarter609 » Sat Nov 17, 2012 6:19 pm

MemberSince99 wrote:Wow Congratulations! That's not bad at all. If I recall you had charge offs with them as well? That's amazing. Great work those are great cards and great limits to have! That CSP is quite the card, that's the ONE card really above AMEX I'd love to have but never will. Enjoy!


Why won't you have the CSP?

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

Ratfacedudeguy
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Postby Ratfacedudeguy » Sat Nov 17, 2012 7:51 pm

MemberSince99 wrote:Wow Congratulations! That's not bad at all. If I recall you had charge offs with them as well? That's amazing. Great work those are great cards and great limits to have! That CSP is quite the card, that's the ONE card really above AMEX I'd love to have but never will. Enjoy!


Thanks buddy. No charge offs here. I've actually never missed a payment in my life. Keep working that Freedom man. I'm sure you'll get it sooner or later. Funny story though. I'm at the bowling alley right now and the dude at the snack bar was like "man this is a cool ass card!" Lol it's the first compliment I've gotten on it.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

MemberSince99
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Postby MemberSince99 » Sun Nov 18, 2012 10:03 pm

That is one cool ass card to be sure! Is it heavy? I mean compared to the plastic cards.

I actually had Freedom but closed it. It was a 2000 limit. When I talked with Chase they said they wanted to see how I used it for 2 years. I was like I could be dead in 2 years. Who plans that far ahead for anything anymore? I used to until I realized I couldn't really control a thing about my life and things never ever went the way I planned so I just stopped and started living for today. Naturally I do try to plan ahead, but I don't spend the time I used to doing it. It never paid off.

So I felt like that was kind of pointless when I already had other creditors who opened the store so to speak, to maybe get back on Chase's good side someday. I honestly think though that it's gotta be at LEAST 20 years, and even then it's a maybe not a sure thing. Depends on the creditor of course. But after 20 years have gone by, with many of them it's possible. It just hasn't been 20 years with Chase, and they have a long memory so I'm not sure even 20 years would do it! Anyway I just felt like I wanted to work with the creditors I have and what I had was sufficient. Maybe some day down the road, but I'm happy with what I have now.

I actually wasn't going to do anything but when I saw on FICO forum that Target was taking online apps and they gave 5%, I wanted that for the 5% so I could put the Cash + category on something other than department stores. I thought the 7-10 was a decline, so I decided ok, let's diversify a bit, and I app'd for the Discover More. Got the two week notice, but I know that's not necessarily a decline so I called and in less than 5 minutes approved. So now I really don't want to app for a bit to let stuff age, this will drop the AAoA a bit. And let the inquiries fall off.

Sorry if that was too analytical to the point of boring anyone to death by the way!

Ratfacedudeguy
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Postby Ratfacedudeguy » Mon Nov 19, 2012 10:40 am

Not overly analytical at all my friend. You're on Credit Card Forum -- being analytical is what it's all about! The CSP is heavier and sturdier than plastic cards for sure, though the coloring is quite a bit darker than the images online would lead you to believe (the same can be said about the regular Sapphire as well). The extra cool thing is you can actually see raw metal if you look at the edge of the card head on.

Congrats too on the Discover approval. I love their customer service. Just when I called them last night, the phone system told me that it has now automatically detected my preference to skip the automatic prompt and speak directly with a representative. That's almost as good as the CSP service line right there, which by the way, was a very pleasing experience as well. You also can't beat 5% back at Target for the Red Card as well.

It looks like you've got yourself a pretty good portfolio in the meantime, but I'd still try and keep pushing it with Chase. The fact that they'd even let you back in after previous charge offs says a LOT, and the fact that they gave you a $2k limit to boot says even more. Like I said before, my previous history with Chase was a $400 Slate card at like 23% apr and it took me like 5 separate apps just to get myself back in with the $1500 Freedom at 22% apr after the Slate was closed with a credit balance by my request. It looks to me like they just like to be cautious and extra conservative at first, and then once you've gotten (back) in with them and push through some good usage they'll start being more and more generous with you. I seriously doubt they wanted 2 whole years of activity before allowing you any other opportunities. They had me under the impression that it'd be a full 6 months at the very least (without outright saying it of course) before I could re-apply for the CSP after getting approved for the Freedom, and I have it in my wallet not even 4 months later.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13



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