Quick CSP Question

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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tezail3
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Quick CSP Question

Postby tezail3 » Thu Feb 06, 2014 11:19 pm

I just received my Sapphire Preferred in the mail today after being approved on Monday, but as I was looking through the papers that were included I noticed that it didn't include what scoring system and what bureau was used to determine my approval.

I have three other cards from Chase, and that information was always included. They always pulled Equifax, but I noticed a pull from Experian this time around. I was actually looking forward to that piece of paper so that I could see how my credit score was as I had a 655 EQ this time last year when I received my Slate. I guess I have to wait to receive my amex next week and hope that that includes my current score.

Anyway, my question is that did anyone with a CSP receive information about their score or what bureau was pulled to determine their approval? Would I be able to call chase and find out this information on my own?
[font=Arial][size=80]Amex Blue Cash Everyday: $14k
Chase Sapphire Preferred: $6.5k (Auto CLI from $5000 in a month and a half)
Chase Freedom: $5k (Auto CLI from $500 to $1300 to now)
Chase Amazon: $4.4k (Auto CLI from $1900)
Chase Slate: $1k (Auto CLI from $500)
Citi Thank You Preferred: $6.7k
Barclaycard Rewards World MC: $10k[/size][/font]


MemberSince99
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Postby MemberSince99 » Fri Feb 07, 2014 10:45 am

If you never receive, either with the card or in another letter, information with your credit score, that means you got the best terms for your card and thus they are not required to give you your score (and won't send it). You can call and ask them to give it to you but if you get best terms they are not required by law to give it to you.

marzbarz
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Postby marzbarz » Fri Feb 07, 2014 11:40 am

I can only speak for myself, but when i app'ed for mine, I saw an inquiry from Chase on all three of my reports...
AMEX Blue Cash: $23,500
CITI Doublecash (World Elite MC): $11,200
CAPONE Quicksilver (VISA Signature): $12,500
CHASE Freedom (VISA Signature): $20,000
USAA Rewards (World MC): $13,500
USAA Rewards (VISA): $18,500

thom02099
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Postby thom02099 » Fri Feb 07, 2014 12:47 pm

Chase, like AMEX, also frequently uses an internal scoring system, with reports from the 3 majors being one of the factors. If that's the case, one would presume that a score may not be included in the approval. Historically, Chase has been fond of pulling EX but have been known to pull EX/EQ combo and anecdotally sometimes all 3.
Retired, and in the process of retiring cards!
EQ = 850 EX=849 TU = 850 as of 07/2017

MemberSince99
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Postby MemberSince99 » Fri Feb 07, 2014 12:49 pm

Ouch. But for that 20k limit, I'd overlook it.



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