{ "media_type": "text", "post_content": "FICO up 70 points to 725! How are my chances to get CSR? Over $100k income and only have SPG amex at $1k limit. (Don't laugh too hard).", "post_id": "589cbd9f8288fe0011ea7be9", "reply_count": 18, "vote_count": 1, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting", "feed_type": "crowd" }

FICO up 70 points to 725! How are my chances to get CSR? Over $100k income and only have SPG amex at $1k limit. (Don't laugh too hard).

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You'll probably get as long as over 700 credit score and got less than 5 cards within 24 months

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That being said, call SPG Amex and tell them to up that to at least 5k

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My credit score is 680 and I got it sometime in October

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How long did it take to increase your score 70 points? What'd you do?

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You need to open more lines of credit. Have lots of credit available but don't spend more than is feasible. Great for your credit score.

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What's CSR?

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OP- call back every 6 months about wanting to increase credit. As long as you pay off fully every month, you should get that cap to 5-7k+ by next year. Also your score went up since, as an authorized user on your gf's card, your overall credit limit went up. You should be fine getting the CSR. I recommend going into an actual building to sign up (higher bonus until March 12)

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OP - Not if you are required to use corp card for all expenses 😒

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🙌 D1. I was about to give the same advice regarding increasing credit every 6 months. OP, advise your wife to do the same with all of her cards.

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Hey D1, thanks for your advice. I called SPG Amex, asked for $5k, approved for $3k. That'll work for me for now at least. Debating my timing of CSR...I probably wait until next month to see if scores go up again.

D2, I just figured out that it went up because wife added me as authorized user on her CapitalOne.

D4 CSR = chase sapphire reserve. Apparently the one card every consultant should have. Really any frequent flyer.

Not required fortunately

OP - which firm??

I can't reveal but I can confirm not big 4 or MBB or whatever they call themselves. Boutique.

Awesome, thanks D1!

Will do D6. My Deloitte peeps came thru big time for me! Many thanks!

How much did your scores go down after getting the CSR card? I know it's temporary but I'm going to get car loan next month.

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