Pulling Trigger on CSP

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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crux
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Pulling Trigger on CSP

Postby crux » Thu Apr 11, 2013 9:37 am

Following up on Previous thead

I will be applying today for the CSP. My CK has gone up about 33 points since I posted back in February.

Anyone know if there is a difference applying through creditkarma's "Take offer" button versus the apply button on chase's website?

They have clearly different links and a different application page.

Chase link has a CELL=63KF&PROMO=DF01&SPID=DZW5
CK has SPID=F2WT&CELL=6H8X&AFFID=1r4CW8FNFWA-PLssqjhfCQaLewKTFlPlVQ&pvid=301505914&jp_cmp=cc/271092/aff/3-10001867/na

Chase link has a PROMO code on it so it and thus I'm enticed to use that instead of CK's link.

Any ideas?
[sapphirepreferred].[/sapphirepreferred]


JA.
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Postby JA. » Fri Apr 12, 2013 2:19 am

Both should be the same just make sure you reference the details and make sure its the same offer your getting.

However if it were up to me I would go through chase, for some reason I feel more secure that way.
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crux
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Postby crux » Fri Apr 12, 2013 7:27 am

Thanks. I went ahead with the app and I got the pending for review response.

Called recon once and they said my credit history is too short (6 mo).
I searched around to get an idea of what else I can say to make this approved but I wasn't able to find a case like mine (all were wrongly judged short). I have some friends whose first card is CSP ... and they had instant approval.

Honestly my recon call wasn't good because the rep didn't even seem to try to help, and that I packaged myself horribly so I didn't even tell them what I planned to use the card for.

I'll try again later today--this time with some plan. If anyone has some inputs that would be extremely appreciated. This and freedom are the only 2 I want for my life. + I'll open a checking once approved for CSP. I just don't want to move all the tons of billing and money around for nothing.

<Quick profile>
Income : $100,000
History: 6mo
CK: 756
No Loans of any kind.
No late payments, always paid in full, util <15%
Freedom CL: $1500, I spent more than $1500 per month on it and I pay it off weekly.
Plan on card: I love travelling and my company makes me travel often internationally.

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djrez4
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Postby djrez4 » Fri Apr 12, 2013 11:47 am

Chase pays CK a referral fee if you apply through their link. That's the only difference.

For now, try calling the recon line again. You may have better luck with a different representative.

If and when your application is completely denied, next time you want to apply, do it in-branch. The spending requirement for the bonus is $1000 lower.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
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DavidNY
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Postby DavidNY » Fri Apr 12, 2013 1:38 pm

djrez4 wrote:The spending requirement for the bonus is $1000 lower.


Good to know.

crux
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Postby crux » Fri Apr 12, 2013 6:21 pm

Thanks.

Today I got to another rep that just kept repeating 'short credit ' as a reason so I will try again Monday and hopefully get someone who will actually listen.

Just a thought, would it help my approval this time around if I go open a chase checking and dump $100,000~150,000 in it before a complete denial? I do plan to bank with them in the long run anyway.

swipe_masta
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Postby swipe_masta » Fri Apr 12, 2013 10:53 pm

crux wrote:Thanks.

Today I got to another rep that just kept repeating 'short credit ' as a reason so I will try again Monday and hopefully get someone who will actually listen.

Just a thought, would it help my approval this time around if I go open a chase checking and dump $100,000~150,000 in it before a complete denial? I do plan to bank with them in the long run anyway.


I'm guessing you applied once and kept calling recon for approval right? How many times did you call them? You do know that they keep track of the phone calls right? The more desperate you act, the less they want to give it to you.

Since you already have a Freedom, opening a checking account will not guarantee your chances of approval. HOWEVER, if you went into a branch and talked to someone about opening an account and talked up numbers like "$100.000~150,000" then told them you had an interest in the CSP they could definitely help you out. Plus, if what djrez4 said is true, you can get the added promo too. My friend works in investor relations at Chase and it really is one of the better banks. I'm sure your short history plays a big role in the decision, but I would think your utilization of your Freedom also plays a role too. I would imagine your income would practically make them drool for you though lol.

crux
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Postby crux » Fri Apr 12, 2013 11:08 pm

swipe_masta wrote:I'm guessing you applied once and kept calling recon for approval right? How many times did you call them? You do know that they keep track of the phone calls right? The more desperate you act, the less they want to give it to you.

Since you already have a Freedom, opening a checking account will not guarantee your chances of approval. HOWEVER, if you went into a branch and talked to someone about opening an account and talked up numbers like "$100.000~150,000" then told them you had an interest in the CSP they could definitely help you out. Plus, if what djrez4 said is true, you can get the added promo too. My friend works in investor relations at Chase and it really is one of the better banks. I'm sure your short history plays a big role in the decision, but I would think your utilization of your Freedom also plays a role too. I would imagine your income would practically make them drool for you though lol.


I only called twice so far and I do understand the records they keep. Thanks for the advice, I will try it at a branch and see how it turns out!

As for my freedom utilization, it is always below 15% at the end of billing cycles. Despite my $1500 limit, I do have months where I use more than $4500 with daily payments.

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Z06Biker
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Postby Z06Biker » Thu Apr 18, 2013 3:58 pm

With an annual income of $100K/year I'd think your Freedom CL would be more than $1.5K...?
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Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
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