Got my CSP Approval.

[Gene Starwind]

Originally Posted by beaste

I love that gif

CSP's APR is 16.24%-23.24% variable. I just applied online and got the approval. I'm not planning on carrying a balance each month though. Could be my age of credit. This is my second major CC and I my score a year and a half ago was mid 600s now I've drastically improved it but maybe they don't trust me...

I may call Chase to get it lowered but I tried before.

Mine is 15.49%

Great card I put all my travel and food on it. Pays for itself but do better than to PLAN to not carry a balance; DON'T carry a balance. Carrying a balance removes all the benifits that's why I never do

[beaste]

Originally Posted by reneeh63

Keep us posted on your FICO score....I have no idea why anyone with a FICO above 350 has to pay more than 20% interest on a credit card.

Well, CSP has a regular APR of 16.24%-23.24% which puts me kind of in the middle.

When I got my Chase Freedom in 2014 they put me at the highest rate, but I didn't have much established credit and I was in the mid 600s. The credit limit on that went from $3500 to $14400 in about 15 months.

I have a high income too so I guess they figure I can pay whatever I use with the CSP. I've been paying on time and been keeping my utilization low for this time.

Originally Posted by Pitt Chick

Yep... many people manage to use credit wisely.
No reason to think the OP will do otherwise... especially with that awful interest rate!

Ha nope! Pay off at the end of every month

Originally Posted by Gene Starwind

Mine is 15.49%

Great card I put all my travel and food on it. Pays for itself but do better than to PLAN to not carry a balance; DON'T carry a balance. Carrying a balance removes all the benifits that's why I never do

Checking online I got a different APR average. Meh...you're right. No balance!