Chances of being approved for CSR Credit Card as Incoming First Year IB Analyst?
Credit score is 750 w/ $0 current CC debt but some student loan debt. Approval odds anyone? Will be making street standard.
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As long as you've had a few credit cards already and have had on-time payment history with decently low utilization, you should be fine. The main thing to be aware of is Chase's 5/24 rule. If you've opened 5 or more cards in the past 24 months, Chase will automatically decline you for any of their cards, regardless of income or credit score. This happened to me and I had to wait 6 months after getting rejected to get under that 5/24 rule and approved for the CSR
Would you consider getting Freedom Unlimited as well? Heard combining those points is more beneficial than just straight up using CSR on every purchase.
Yeah, I'd get that and the Chase Freedom. No point in using the CSR for anything that isn't dining or travel
Use CSR for 3x on dining/travel Use Freedom for 5x on whatever the category is that quarter (grocery stores right now) Use Freedom Unlimited for 1.5x on everything else
Why would you want a $550 card that's focused on travel and dining when you won't have time to dine nor travel much. We all know the bank will cover your late night meals, and your only travel will be limited to your annual 2 weeker.
Furthermore, you have to spend quite a bit in order to make up for the $550 fee. Not sure you'll even get there with 1) your salary or 2) your limited free time.
In the end, its up to you. Does it make economic sense? no.
Disagree. Travel includes rideshare, dining includes delivery services like Uber Eats, Grubhub, etc. Living in a big city (Chicago for me) will make it easy to rack up points for those categories. Plus bottle service on weekends will help.
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