Originally Posted by
goodeats21
Wow. That is really hidden. Glad I asked!
Thanks again for the amazing details. This stuff gets complicated. Haha
Total CL with Chase is not over 50% of income nor over $100K. I wouldn't mind reducing it though. I never carry a balance and don't come close to maxing out CL on any of the cards. I can chop $15-20k off the CSR CL when I PC to Flex, if that would be helpful.
Credit Score is Excellent - Hovers around 830. DTI is very low. Less than 3% I am pretty sure I am 0/24 with Chase.
And sorry, not sure what PUJ refers to. I do not have any INKs.
PUJ details here + amex has similar:
http://www.doctorofcredit.com/chase-...se-pop-up-jail
https://travel-on-points.com/amex-pop-up-jail
ur credit profile is very clean. it should be instant approval.
just to confirm, u got the CSR bonus over 48mo ago? and never had CSP right?
do u have P2 that can refer u for 15k bonus? CSP bonus currently 75k. sometimes its 100k+. so if u PC asap, u could wait for the 100k SUB + 15k REF. but u cant transfer UR until CSP.
https://creditcards.chase.com/refer-a-friend
if ur CL w/ just chase alone is $90k or below, ur fine. but if its $90k or above, get it to $85-$90k. again, tons of YMMV DPs on this, but we are going for max approval odds after PC CSR to FFlex.
CSP requires $5k CL so u need CL space for instant approval.
also lets assume ur total chase CL $90k + $5k CSP is way below 50% overall CL exposure vs income w/ chase then ur income is higher than $190k. hope that makes sense.
and pple always talk too general when it comes to credit score and "never carry a balance". that doesnt matter. gotta be more specific.
what does ur CRs show? u said 3% utilization? thats fine. other banks like cap1 likes to see more. but w/ chase, its fine.
do u use ur chase cards often? or never used?
altho i think ur totally fine based on being 0/24 we gotta double check. and u said "0/24 w/ chase". wat does that mean? x/24 stat counts ur entire credit profile. u could be 0/24 just w/ chase, but if ur 5/24 w/ everyone else, that would be a problem.
where did u get ur 830 credit score? if ur in OH and pulls EQ or TU, we need FICO8 scores from them. not vantage.
overall, pretty sure ur gonna get instant approval. just need to think about app timing cuz u cant transfer until CSP.
FYI. u may also get CSP 25k upgrade offer to CSR in the future.