Originally Posted by
goodeats21
Ah, PUJ = Pop Up Jail. Didn't come up with that one on my own.
If I reduce my CL when I PC, then should have plenty for the CSP application, right? I wasn't real close to $100K CL with Chase anyway.
Correct, I've had the CSR for over 4 years and I have never had the CSP.
I use the credit cards often, just never carry a balance. 2025 spend on my Chase cards was ~$33k An additional ~$22k spend on Amex credit card. Much more spend on a Corporate Charge card, but not sure that factors much.
I have access to my Credit Score via my Credit Union. The ~830 is VantageScore 3.0 from TransUnion. They show no inquiries in the last 2 years.
I don't mind waiting for transfers of UR. I am down to less than 1K points now, having transferred out my balance recently.
I think I am all set now. Thanks a bunch for the information and advice.
yea. honestly, ur profile looks like instant approval. i dont see any issues.
after u PC the CSR to FFlex, yes, u can reduce CL if u want to be safe. altho u dont have to if u follow the general guidelines. and wait a few weeks for the CSP 100k pts + 15k REF.
chase doesnt like giving total CL exposure over 50% of income. and not over $100k CL total regardless of other factors.
altho this is YMMV, its best to follow this general rule. plenty pple have over 50% CL vs income and over $200k CL w/ just chase. but we dont care for outliers.
CSP requires $5k CL so just make sure u have space without hitting $100k CL cap.
its good u spend on chase cards. chase has many obscure rejection reasons that we didnt cover. prob dont need to yet. but they have been known to ask why u need another chase card if u dont use the current cards.
sounds like u have personal amex corp card? doesnt matter unless ur statement closing w/ huge balances. then it shows up on CR then impact utilization + chase may not like it.
having access to ur vantage TU is pretty much useless.
experian.com or EX app gives free FICO8 EX.
myfico.com gives free FICO8 EQ.
cap1 creditwise gives free FICO8 TU.
but u prob have high scores and no issues. just manage the items above and u will be OK.