Young Adults/Students and the Chase Sapphire Preferred

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
44 posts
tigerhunt2011
Platinum Member
Platinum Member
 
Posts: 69
Joined: Wed Jan 12, 2011 8:54 pm
Location: Tucson, AZ

Postby tigerhunt2011 » Fri Aug 02, 2013 1:35 pm

Just got approved instantly for CSP with a $5000 limit.

738 EX (Chase pulls EX in AZ according to Credit Pulls Database). 10 inqs in past year, 1% Utilization, 1 card reported with balance at time of application, flawless credit history, AAoA 1 year, oldest account 2 years, 1 month. No prior Chase cards, last declined application January 2013.
AMEX Business Platinum AU-NPSL-07/11
AMEX PRG-NPSL-07/11
AMEX BCE-$2000-07/11
AMEX MB Platinum-NPSL-08/13-->07/11
AMEX Biz Gold Rewards-NPSL-08/13-->07/11
AMEX Biz DL SkyMiles Gold-04/13-->07/11
BofA Alaska Airlines Visa Classic-$2500-06/11
Barclays US Airways Platinum Mastercard-$1500-04/13
Chase Sapphire Preferred-$5,000-08/13
Citi AA Select AMEX-$2000-01/13
Citi AA Visa-$2000-01/13
Citi AA Platinum Select Visa Signature-$5000-08/13
Citi AA Platinum Select World Mastercard-$2500-04/13
Citi Business AA World Mastercard-$1000-08/13
Citi ThankYou Preferred-$2000-04/13
Express-$650-01/12
GECRB Paypal Mastercard-$3500-04/13


User avatar
Z06Biker
Centurion Member
Centurion Member
 
Posts: 464
Joined: Fri Apr 12, 2013 5:39 pm
Location: Los Angeles

Postby Z06Biker » Fri Aug 02, 2013 6:24 pm

Just looking at your list of cards, and taking into account the fact you're "only" a junior in college, I'd say you got this game down pat.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

User avatar
Snowman
Centurion Member
Centurion Member
 
Posts: 630
Joined: Thu May 10, 2012 10:10 pm
Location: North Los Angeles County

Postby Snowman » Fri Aug 02, 2013 7:54 pm

Tiger- You've got so many cards! I have 6 and sometimes I wonder if I have to many. I'm hopefully going to be able to get a new job in the upcoming year (around the 27-30k range) and I want the AAdvantage card. Is the card worth it to you? I mainly fly Southwest and American now and am debating when the time comes to app again to see if It is a card I should have.

Edit- I realize that this thread is about the CSP. I want the CSP too, but hopefully in another year or so I'll try for it, but congrats to those of you that have it!
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

benhollberg
Centurion Member
Centurion Member
 
Posts: 353
Joined: Mon Apr 29, 2013 6:51 pm
Location: Salt Lake City

Postby benhollberg » Sun Aug 04, 2013 12:02 pm

Was finally approved for the CSP. Going with the MasterCard version, not sure how much use it'll get after the promotion. They gave me an initial $5k limit, was really hoping for more.

MemberSince99 wrote:You get a metal card. Made of titanium.


I thought it was stainless steel?
American Express Platinum Card
American Express TrueEarnings Card from Costco
Marriott Rewards Premier Visa Signature Card
Chase Sapphire Preferred World MasterCard
Discover It

Robrus1
Centurion Member
Centurion Member
 
Posts: 797
Joined: Tue Oct 02, 2012 3:25 pm
Location: Texas

Postby Robrus1 » Sun Aug 04, 2013 12:28 pm

benhollberg wrote:Was finally approved for the CSP. Going with the MasterCard version, not sure how much use it'll get after the promotion. They gave me an initial $5k limit, was really hoping for more.



I thought it was stainless steel?


He's kidding. Congrats to you guys on your CSP approvals.
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

tigerhunt2011
Platinum Member
Platinum Member
 
Posts: 69
Joined: Wed Jan 12, 2011 8:54 pm
Location: Tucson, AZ

Postby tigerhunt2011 » Wed Aug 07, 2013 12:56 pm

Snowman wrote:Tiger- You've got so many cards! I have 6 and sometimes I wonder if I have to many. I'm hopefully going to be able to get a new job in the upcoming year (around the 27-30k range) and I want the AAdvantage card. Is the card worth it to you? I mainly fly Southwest and American now and am debating when the time comes to app again to see if It is a card I should have.

Edit- I realize that this thread is about the CSP. I want the CSP too, but hopefully in another year or so I'll try for it, but congrats to those of you that have it!


You could say I'm a quick learner :) also got in on the Delta 25,000 mile SunTrust offer last summer. Now it's a fun hobby.

My challenge to myself at the moment, is to take my boyfriend & I to Paris and Sorrento when we both graduate college. My goal? 2 round trip First Class tickets on British Airways (fuel surcharges aside), 6 nights in Paris, and 4 nights in Sorrento, ALL on points.

In my eyes, there's no such thing as too many cards. With Chase and American Express, I plan to keep (almost) everything I open. They are great banks, with great cards and nice rewards programs.

Cit is another story. Cit is kind of my points pinata. With all the bonuses they've been throwing out, it's silly not to try. The Citi AAdvantage Cards are worth it as long as you get one of the World Mastercard/Visa Signature/Select AMEX level cards. The reason I say this is because there are different levels that they will approve you for if you don't qualify. I will close my ThankYou Preferred and 3 of 4 AAdvantage cards in January (opened them for the point bonuses). i'll keep one for the priority boarding and bags. I could care less about the AAdmiral's Club passes because AMEX Platinum incudes lounge access. So it's really up to what you're looking for. Without the bonuses, I probably wouldn't care about the AAdvantage cards.
AMEX Business Platinum AU-NPSL-07/11
AMEX PRG-NPSL-07/11
AMEX BCE-$2000-07/11
AMEX MB Platinum-NPSL-08/13-->07/11
AMEX Biz Gold Rewards-NPSL-08/13-->07/11
AMEX Biz DL SkyMiles Gold-04/13-->07/11
BofA Alaska Airlines Visa Classic-$2500-06/11
Barclays US Airways Platinum Mastercard-$1500-04/13
Chase Sapphire Preferred-$5,000-08/13
Citi AA Select AMEX-$2000-01/13
Citi AA Visa-$2000-01/13
Citi AA Platinum Select Visa Signature-$5000-08/13
Citi AA Platinum Select World Mastercard-$2500-04/13
Citi Business AA World Mastercard-$1000-08/13
Citi ThankYou Preferred-$2000-04/13
Express-$650-01/12
GECRB Paypal Mastercard-$3500-04/13

User avatar
Snowman
Centurion Member
Centurion Member
 
Posts: 630
Joined: Thu May 10, 2012 10:10 pm
Location: North Los Angeles County

Postby Snowman » Wed Aug 07, 2013 8:11 pm

Ah, that's pretty cool. I fly Delta once in a while so their cards would not be much benefit to me, but glad that you got the bonus.

Nice! that sounds pretty fun. I've been to Paris before and it is a Beautiful city, albeit the French can be rather rude but they are good people if you try to learn their language and customs. But good for you for trying to get their on points. Have you been on British Airlines before?

I have quite a few cards and currently the only one I am planning to close is my PRG because I just don't spend enough to make the annual fee worthwhile for me.

I did app for the Citi AAdvanatage card when I did my last round of apps in June and they denied me. The reason was basically they wanted to see CL's that were closer to 5k+ my income was on the low side (it will rise from 12k to 18k this year, and then next year, if I hopefully get hired for the other job I'm looking at, I will be paid around 28-30k) so they denied me and told me to try again after 6 months to a year. I'll gladly take a lower limit with them if thats what it is since I see you have lowish limits on the AAdvantage cards. I tried to recon but they basically said no, and I left it as it is. I'm mostly flying with them and Southwest and so those 2 will be my main cards and If I get approved for the Chase Marriott Premier and the BCE, those 4+ my Freedom card will be my main cards with the other seeing occasional usage. My Scores are good, I have about 6 INQ's on EX, 3 on TU, and 2 on EQ. And my oldest account was opened in April of last year. So hopefully I have better luck this time since it is a card that I do want.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

tigerhunt2011
Platinum Member
Platinum Member
 
Posts: 69
Joined: Wed Jan 12, 2011 8:54 pm
Location: Tucson, AZ

Postby tigerhunt2011 » Thu Aug 08, 2013 7:35 pm

The higher income and age on the credit lines will certainly help. Keep in mind with the PRG that yes, the annual fee is high, but for just $80 more than green you get the 4x3x2x1x points and entertainment access. I'm debating downgrading my PRG but my dad is an AU on it, and when I saw green was $95, it makes sense to keep it for 4x points through AMEX travel.

I'm prepared for Paris, I'm pretty good at being European ;) never flown BA before but I'm flying BA Club World in January when I begin studying abroad in Rome. Will be my first business class flight and I'm excited out of my mind. There are so many BA horror stories on Flyertalk, but it seems to blow all the US Legacy carriers out of the water.
AMEX Business Platinum AU-NPSL-07/11
AMEX PRG-NPSL-07/11
AMEX BCE-$2000-07/11
AMEX MB Platinum-NPSL-08/13-->07/11
AMEX Biz Gold Rewards-NPSL-08/13-->07/11
AMEX Biz DL SkyMiles Gold-04/13-->07/11
BofA Alaska Airlines Visa Classic-$2500-06/11
Barclays US Airways Platinum Mastercard-$1500-04/13
Chase Sapphire Preferred-$5,000-08/13
Citi AA Select AMEX-$2000-01/13
Citi AA Visa-$2000-01/13
Citi AA Platinum Select Visa Signature-$5000-08/13
Citi AA Platinum Select World Mastercard-$2500-04/13
Citi Business AA World Mastercard-$1000-08/13
Citi ThankYou Preferred-$2000-04/13
Express-$650-01/12
GECRB Paypal Mastercard-$3500-04/13

User avatar
Snowman
Centurion Member
Centurion Member
 
Posts: 630
Joined: Thu May 10, 2012 10:10 pm
Location: North Los Angeles County

Postby Snowman » Thu Aug 08, 2013 8:44 pm

I do like the PRG, honestly, but I just don't think that it is not worth it for me personally as I don't spend enough to justify the annual fee. I hope you enjoy British Airways and tell us how it is.

And yeah, I hope it helps as I'm flying with them to rather then SW mostly. I like Delta, but their flight times for some reason are never right for me...lol.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

tvirk888
Platinum Member
Platinum Member
 
Posts: 72
Joined: Thu Aug 29, 2013 1:51 pm
Location: Seattle, WA

Postby tvirk888 » Thu Aug 29, 2013 2:17 pm

What are my chances of being approved:

1 credit card since I was 19 - Wells Fargo Platinum $4700 limit. ATM it is at 17% utilization.
1 car loan with Chase since November.
6 inquires on my credit.
Income: About $50-70K a year, depending on the year :)

CK says I can get approved for it, and as well as the Discover IT card.

I am going to wait till November/December time since thats when the inquires won't count.

So what are my chances? Only two cards I really want are the CSP and Amex Gold.

[sapphirepreferred].[/sapphirepreferred]
Amex BCE - $20K (11/2014)
Amex Everyday - $20K (04/2015)
Amex Business Gold - NPSL (09/2013)
Bank Of America Cash Rewards - $5K (11/2014)
Chase Freedom - $11,700 (10/2013)
Chase Sapphire Preferred - $18K (11/2014)
Citi Thank You Preferred - $10K (11/2014)
U.S. Bank Cash+ - $5K (03/2015)
Wells Fargo Platinum Rewards - $4700 (05/2009)



Return to “Visa & MasterCard”

Who is online

Users browsing this forum: No registered users and 2 guests