How To Get Approved For Your FIRST Credit Card (w/ Chase)

[@SpencerJohnsonOfficial]

If you've already gotten started in the credit card game but aren't sure where to go next, watch this video to see the first 5 credit cards you should get first to maximize the value you get in the credit card game: kzbin.info/www/bejne/q32UnHqcmap2rK8 What was your first Chase credit card? 👇

[@oleksiykonts12]

Spencer, thank you for the video! And can you tell me how to select the address of another country in the personal address field (I am not a US resident). Because there I see only the state choice, but not the country. I'm going to apply for the Chase Business Cash credit card as a non-resident using the EIN of my LLC.

[@SpencerJohnsonOfficial]

Thank you for watching! If you are not a US resident, I'm not sure how exactly you'd be able to put the right address in the application. I'd likely call them to complete the application when your application requires a bit of extra information that you can't enter online. @@oleksiykonts12

[@bennnnnnnnnnnnnnnnnn]

Bro when I look back at the days when I used debit cards for everything... All the points I could've been earning... This is one of the best financial lessons you could ever teach someone, especially a girlfriend or spouse

[@SpencerJohnsonOfficial]

I completely agree! As long as you just use your credit cards exactly as you would a debit card, that's what matters. Pay off those balances on-time and in-full so you can enjoy all those rewards you get!!

[@markplymale]

This is awesome!! Congrats on the approval Tessa and I loved the ending 😂 I’ve tried to get my wife in videos for awhile and she flat out refuses haha

[@SpencerJohnsonOfficial]

Thanks Mark! I was surprised when she said she wanted to do it. It was very spur of the moment but I'd say she did pretty well. The ending got me too though... her sarcasm was out of control 🤣 Now you just gotta show your wife this video and hopefully it'll inspire her enough to get on the show 😆

[@MichaelB-od3xh]

Cool helpful video Spencer!! I am 48 and ruined my credit 23 years ago. I've had no credit cards since and I decided to try and build up my credit again. I have 4 cards that I am using to do this. A Discover Secured Card with $500, A Capital One Platinum Mastercard Unsecured with a $300 CL. An Amazon Secured Card for $200 and surprisingly I got approved for a Chase Freedom Rise with a $500 CL. I'll take it since my my credit score is unscoreable since I have no credit history. I'm glad I got in the door with Chase.

[@darlinesdiary]

Congratulations 🎉. That was the cutest video to watch. Indeed Spencer is a great teacher.

[@SpencerJohnsonOfficial]

Thank you so much! That means a lot. We had a great time filming this and I'm glad it came through on screen. I appreciate your support as always!

[@christinec2625]

Thanks to you I have been approved for the Amex gold for my first Amex card and now this card as my first ever Chase card. Thank you so much for your tips and hard work. It’s much appreciated.

[@TheCreditFrog]

Congrats to Tessa on her first credit card! Also awesome that she was cool with coming on camera! She was great!! Once she sees that 20k URs pop in her account, she’ll be hooked 🎉

[@SpencerJohnsonOfficial]

Thanks Stan! I was definitely glad she was open to coming on. She was a kinda a natural I'd say!! Those points plus a nice free trip should do the trick lol.

[@jordan23ww]

What a cool video! Congratulations to your girlfriend on her 1st credit card approval! Thank you and her for sharing this experience with us! I loved the questions she asked during the application and the answers you provided! Keep up the great work!

[@SpencerJohnsonOfficial]

I appreciate that man! We really enjoyed filming it together, so I'm glad it was valuable to folks as well. She definitely asked some tough questions, but I felt like they were really good to cover in the video for sure! I appreciate your support as always.

[@jordan23ww]

@@SpencerJohnsonOfficialyou’re welcome!😃

[@ItsMeCJ]

This was fun! Congrats to Tessa! I cringed when she said she uses her debit card. Continue to show her the light Spencer! 😂😂

[@SpencerJohnsonOfficial]

Thanks CJ! It's definitely a bit more targeted at a specific audience, so I wanted to still make it enjoyable for those who aren't so new to the game. And trust me, I'm doing what I can to show her the way! A few free luxury trips should get here there 😂

[@jordan23ww]

Too funny!😂🤣😂 I have a feeling that debit card won’t see much use going forward, especially after she redeems her rewards for the first time and sees the potential rewards she can now earn using her card!

[@SpencerJohnsonOfficial]

I completely agree! I haven't seen her pull it out since so hopefully that sticks lol

[@Charlotte757]

Just want to say this video is so helpful!! Thank you

[@druiz012]

I'm glad I didn't skip this video as it was very entertaining. She asked some good questions!

[@SpencerJohnsonOfficial]

I'm happy to hear you enjoyed it! I know it was more targeted at beginners, but I felt like the questions she asked were some that would be good for everyone to hear an answer to. I'll tell her you said so though because I'm sure she won't even see this video 🤣

[@MattWelterOfficial]

Awesome to get Tessa on the channel! It's awesome to see what everyone's goals are with their Two Player Setups, definitely something I'm prioritizing with my fiancee so that we can maximize our redemption strategies for cheap/free travel haha! Super relatable video for a lot of people just starting their Credit Card Journey's as well! Haha the "oh wait we forgot to do something" was hilarious 😂. Congrats on the approval Tessa!

[@SpencerJohnsonOfficial]

Yeah man, I was excited she wanted to come on! Starting that Two Player game strong was definitely a big goal of mine, so I'm glad she got approved! I'm glad you found the video to be helpful for folks.. that's all I can ask for! And yeah I knew she wouldn't know what to do about that 🤣

[@daniekogivens5042]

I know it's only for the first year, but with the 5% on groceries, it really kind makes this card OP as your only card if the majority of your spend is on food. 5% groceries, 3% dining, and 1.5% on all your other purchases is soo nice.

[@SpencerJohnsonOfficial]

I 100% agree. You can't get better first year value from a card with no annual fee. With a base 40-80% ROS without taking into account the 5% on groceries, that's insane on its own.

[@daniekogivens5042]

@@SpencerJohnsonOfficial If you just stockpile the points, then get the reward from the Preferred, that's an easy 100,000 points. Then the 2-3x value from transferring.. just ridiculous. With my discover it, I'm pretty much getting 10x with them matching the cash back on the categories. After getting the Unlimited, I was literally telling myself "I have the rest of the year" to justify using the discover card for groceries 😂

[@SpencerJohnsonOfficial]

Exactly right! That’s why I love the Chase ecosystem, especially for the beginner to intermediate stages of the credit card game. But yeah the discover card intro bonus is awesome too. A solid couple cards to be using right now for sure!

[@jimmyjames6492]

Congrats on the card, Tessa! 🎈🎉🎊 Player 2 mode in action! And she got to experience CHASE's great communication on card approvals 🤣🤣🤣Thanks for the info + video!

[@SpencerJohnsonOfficial]

I'll tell her you said so! And I'm excited she got approved and we can start implementing that P2 mode now. It was definitely a bit of a rollercoaster understanding if she was approved for not, but she's got the card now so that's all we could ask for 🤷🏼‍♂️ Thank you for watching Jimmy!

[@Mattmckd]

Let’s go Tessa! Congratulations on getting started on your credit journey!

[@SpencerJohnsonOfficial]

Thanks Matt! I'll let her know you said so.

[@johnmckinstry6057]

This is an awesome video, Spencer! Congrats to Tessa on approval of her first credit card and first Chase card. The Freedom Unlimited is definitely a good starter card for those who have a fairly new, but established credit history as an authorized user. Tessa definitely asked some good questions and this is a great video for people who are new to credit to see.

[@SpencerJohnsonOfficial]

I'm happy to hear that man! I'm really glad she was able to get started with the CFU right off the bat. Her being someone that doesn't intend on getting a bunch of cards and wanted one she could use everywhere, I felt like it fit her goals really well while leaving her travel opportunities open in the future if she wants to add some higher tier Chase cards later. Thanks for the kind words though man! I'm glad you think it'll be valuable for folks.

[@rodelmedia6184]

Congrats Tessa! welcome to the CC game! Card collecting is a marathon and not a sprint. Hope you grab more that aligns with your spending and get those inspirational trips that you wouldn't normally pay for or have that great cash back setup! Best of luck all around! Spencer has great advice!

[@SpencerJohnsonOfficial]

Thank you for the words of wisdom! They'll definitely be taken into account. I'm sure she'll really start to love the credit card game after she takes an aspirational trip down the line, but we'll see! Thank you for the kind words and for watching the video!

[@joekerr3638]

Wahooo!!! Congrats...loving the content lately

[@SpencerJohnsonOfficial]

Thanks so much! That means a lot Joe!

[@joshua.butler]

Excellent! Glad to see she was approved. Welcome to the wonderful world of credit cards Tessa!

[@SpencerJohnsonOfficial]

I'm glad she was approved too! Let's hope she enjoys the credit card game now... I wanna play that 2-player game man 🤣

[@hhh-j7v5t]

That was a fun video to watch, congrats on the approval! And your girlfriend is a natural on screen, she should come back again lol 😂

[@SpencerJohnsonOfficial]

I’m glad you enjoyed it! And she was pretty good on camera I must say.. maybe we’ll bring her back for a video down the line 🤷🏼‍♂️ Thanks for watching as always!

[@themichaelw]

3:49 I believe that the best offer they have for the CFU is $200 on $500 in 3 months + 5% back on gas AND groceries in the first year. I was lucky enough to find this sub a month ago so I'm getting 5x UR on gas and groceries all year 😃

[@GoodFortune_90]

Another great video Spencer. Thank you

[@SpencerJohnsonOfficial]

Of course Luis! Glad you enjoyed it.

[@AnthonyVenture]

I THOROUGHLY loved this video! Tessa asked some great questions, and you answered them, super fun to watch and really something to learn from, for a lot of people. What did you forget to do? Nice Spencer!

[@SpencerJohnsonOfficial]

That's great to hear man! Definitely more of a targeted video to beginners here, but I was hoping everyone watching would take something away. And what did I forget to do?? You got me thinking now 🤣 Thanks Tony!

[@SpencerJohnsonOfficial]

Wait now I know what you're talking about 🤣🤣 I knew she'd fall for that one lol

[@MPG2014]

Awesome video! It’s great to get your significant other in the credit card game. My wife is a part of it, but only because I apply for the cards for her lol. I’d definitely recommend getting that discover card for her as your referral code gets you both $100 in statement credits so it would help her as well as getting that dollar for dollar match for the first year. Otherwise you are the pro and know what to do. Great video again!

[@SpencerJohnsonOfficial]

That means a lot!! I'm definitely excited I could convince her to finally get a card of her own. And to get her in a video was pretty great too! If I had the Discover it, I'd definitely have her look into it assuming she wants to be mostly focused on cashback for now, but I actually don't have it! That's a solid referral offer though for sure. Thanks so much for watching!

[@MannyCovington]

Congrats on the approval Tessa! I’m gonna have my P2 on my channel one day, just gotta get one first😂

[@SpencerJohnsonOfficial]

I'll tell her you said so! While she was happy to be in the video, I bet you she won't watch it lol. And I feel that man... I'm rooting for ya! 🤣

[@Jay-vt2so]

LET'S GO TESSA! 🎉 CONGRATULATIONS! 🥳 You're in good hands when it comes to credit and Financial knowledge 😎. Thank you again Spencer for another great video 😎🔥

[@SpencerJohnsonOfficial]

Thanks Jay!! I'll tell her you said so. I appreciate the kind words though man. I'm glad you enjoyed this one!

[@blancoisaacsantiagoalonso9851]

Very congratulations on your new and first credit card in life and world also and very welcome to the financial world snd journey and hope you’ll enjoy it and be always responsible and disciplined in everything and thanks for sharing your personal life together even if it’s financially speaking and hoping to see you two anytime and many blessings on you two and hopefully stay together always.

[@SpencerJohnsonOfficial]

Thank you sir! I'm really glad she got started in the credit card game on the right foot. She'll definitely be responsible with her credit cards as I will never let her forget to, but that's always a great reminder! I'm happy you enjoyed the video and this sneak peek into more of our personal lives. Thank you for the kind words man!

[@LukesPointsandMiles]

Great video!! Way to go, super boyfriend. Good way to get some referral points too!🎉

[@SpencerJohnsonOfficial]

Thanks Luke! I'm definitely glad she finally let me help her get a credit card lol. Both for her own financial sake and the referral points lol

[@boondoggle4820]

Such a supportive girlfriend. You picked well, Spencer.

[@SpencerJohnsonOfficial]

That I did!! I appreciate you watching this one!

[@jakemercure]

Another great video Spencer, thanks for the epic content man

[@SpencerJohnsonOfficial]

That means a lot man! I'm glad you're enjoying the content.

[@DJOctober]

Congrats to her for getting her CFU! I’m enjoying being able to track my $200 bonus in the app. I wish I could track in the same way online! I’m trying to get my gf to get the same card soon, I’ll be referring her for maximum value. What’s her next card gonna be?!

[@SpencerJohnsonOfficial]

I'll tell her you said so! And that's definitely a nice perk. Capital One did the same thing with my Venture X although I usually use MaxRewards to track all my welcome offers. Definitely make your gf use your referral link! 20k points for her and the extra 10k or whatever you get is a solid bonus! As for her next card, I won't be holding my breath lol. We'll see what I can convince her to do one day.

[@MsKP-jg3kl]

What’s the reconsideration line number

[@mariohtx02]

Just like Tessa, I recently also got the CFU(my 2nd cc)!!! Great vid

[@mariohtx02]

Your videos helped me get approved for it, so thank you.

[@SpencerJohnsonOfficial]

That's so good to hear! Congrats on that approval man! I'm really glad my videos have helped you out. That's all I can ask for!

[@makemoney6411]

@@mariohtx02 can I ask what card you had before cfu and for how long u had it for?

[@mariohtx02]

@@makemoney6411 capital one secured for a year and 2 months

[@makemoney6411]

@@mariohtx02 what was your income and credit score at time of application for cfu?

[@DEEP_DIMPLES]

This was so refreshing to watch, congrats! How much did she get approved for??!

[@SpencerJohnsonOfficial]

I’m happy to hear that!! She got approved for $3k I believe. Not bad for her first card in my opinion!

[@DEEP_DIMPLES]

@@SpencerJohnsonOfficial Wow! Definitely not bad! That’s a lot for a first card. I know some ppl who only received, between $300-$500 on their first card.

[@SpencerJohnsonOfficial]

I know right! Definitely helps to be an AU for a while beforehand.

[@plazali]

Spencer the credit genius

[@Neckphat]

The ending was pretty good

[@SpencerJohnsonOfficial]

Haha I love to hear that.

[@HimNotThem20]

Thank You For The Advice 💯💯🐐🙏🏽

[@CesarJoel]

Congratulations! Great video!

[@SpencerJohnsonOfficial]

I appreciate you man! This one is definitely targeted more at a beginner audience, but I hope everyone who watches can take something away no matter what stage of the game they're in.

[@AmazinMusicNYC]

What credit bureaus do chase pull from to approve people for credit cards ?

[@chrisz1272]

Definitely need your Lab featured in more videos!

[@SpencerJohnsonOfficial]

He's at the end of most of them! Just the few final seconds though.

[@BobI-jb4rk]

Welcome Tessa and congratulations!

[@SpencerJohnsonOfficial]

I'll tell her you said so! Thanks for watching Bob!

[@SirGlobe00]

i never had a chase card i will get a business 1 🎉 dope video u the man

[@rmknicks]

Fun video. Another great one!

[@SpencerJohnsonOfficial]

Thanks so much! I'm glad you enjoyed.

[@Bxr400]

Great video people!!! ☺️☺️☺️ great patience 😃😃😃

[@SpencerJohnsonOfficial]

Thank you Barry! I'm glad you enjoyed it.

[@Bxr400]

@@SpencerJohnsonOfficial let ur girlfriend know her expressions were priceless waiting for approval all the way through. 😃😃😃

[@Bxr400]

U deserve a subscribe!!! 💥🥂🥇

[@SpencerJohnsonOfficial]

Haha will do!! 😆

[@SpencerJohnsonOfficial]

Well I really appreciate that! Thank you Barry!

[@FatStacksAcademy]

Spencer please help! I’ve been waiting to get a chase card for years. I finally got my credit score under 524 but chase still won’t approve!? How low do I need to get it?

[@SpencerJohnsonOfficial]

I can do my best to help but I can't guarantee anything of course. For starters, how long have you been in the credit card game and what is your credit score/number of accounts opened?

[@FatStacksAcademy]

Thank you! Since 2017. I have Amex biz gold, cap 1 venture x and BILT. Score was hovering around 780 for years but I wanted to get into the Chase ecosystem so I’ve been strategically missing payments to get my score below 524, FINALLY just hit 519 but now chase won’t approve me

[@SpencerJohnsonOfficial]

Okay good to know. So unfortunately it looks like you’ve misunderstood the 5/24 rule. What that rule states is that if you’ve been approved for 5 or more personal cards in the last 24 months, Chase will deny you for your next card application with them. It has nothing to do with your credit score. They want your score to be in the 700-800s though to approve you. They usually don’t approve anyone under that. I would never recommend missing payments for any reason, especially to lower your credit score on purpose. The higher the number the better! I’d get that back up as soon as you can by making all of your payments on time, settling any debt you’ve accumulated (hopefully none) and making sure you don’t have any negative remarks on your credit report. Then make sure you’re carrying a low utilization when the statement close date hits and pay off your cards on time and in full from there. Once you’re back to a good to excellent credit score, you should have no issues getting Chase cards as long as you have no negative remarks on your report. I’m sorry that someone didn’t explain the 5/24 rule right or you misunderstood them when you first heard about it… I hope you can recover quickly though!

[@FatStacksAcademy]

Oh oh my what have I done

[@SpencerJohnsonOfficial]

I hate to be the one to break that to you and I hope you can recover it quickly! I’m sorry man. Let me know if you have questions as you rebuild that up!

[@OfficialEricGao]

Farm all of those referral bonuses Spencer! hahaha😎

[@SpencerJohnsonOfficial]

You know I do what I gotta do 😉

[@Sayfrostyy]

Haha i work on chase equipment and i cant tell you how many time's that robot voice tells me they are having technical difficulties after 7pm

[@SpencerJohnsonOfficial]

Hahah that is tough.

[@jenniferlego4221]

❤ You two are adorable together! 😍

[@jenniferlskertich5208]

Loved this video with Tessa!

[@SpencerJohnsonOfficial]

We sure had a good time filming it so I’m glad you enjoyed it!

[@Chewpamiverrga]

What if I don't pay rent I live with my parents still ? Do I put what they pay ?

[@JacobsPointsAndProfit]

Now that she's in the credit card game, those referral bonuses can start rolling in

[@SpencerJohnsonOfficial]

Haha I know right? Definitely excited to implement the P2 game more now.

[@ShamarSkitz2.0]

Informative video👍

[@SpencerJohnsonOfficial]

Thank you!

[@camilagrazielle9646]

Thank you for the vídeo guys !!!! Awesome!!!!

[@SpencerJohnsonOfficial]

Of course! I'm glad you enjoyed it!

[@AnthonyVenture]

Tessa is great and all, but I’d prefer it if she removed the second “S” in her name, and replaced it with an “L”. Ps. Tessa must be about 6’1 since I know you are 6’6, was she also on the basketball team? - Thanks

[@SpencerJohnsonOfficial]

Lol don't worry, a lot of people call her that at this point 🤣

[@AnthonyVenture]

@@SpencerJohnsonOfficial ahh I thought I was original!

[@SpencerJohnsonOfficial]

@@AnthonyVenture You are.. forget I said that 😂

[@AnthonyVenture]

@@SpencerJohnsonOfficial btw, my fiancée said “she looks so sweet and needs to be friends with her”.

[@SpencerJohnsonOfficial]

@@AnthonyVenture I'll tell her she said so! Maybe in Vegas??

[@diegoochoa5142]

How do you Addie your card to your account?

[@tonibutler172]

How long did Tessa have her chase account before she was preapprove?

[@OmarIbrahim-cu4bs]

I can say from my experience that I had my chase account for about 4-5 months before I got approved for the freedom unlimited.

[@Thrawniverse22]

How long did it take to receive an email?

[@greenlightsniper6222]

Hey Spencer. Im wondering, do you know if the selfbuilding cards apply to the 5/24 rule?

[@SpencerJohnsonOfficial]

Hey! To my understanding, any PERSONAL credit cards will count towards the 5/24 rule. If they show up on your personal credit report then they'll add to your 5/24 count.

[@greenlightsniper6222]

Thanks bud. Currently holding the freedom flex and sapphire preferred. I should have started with unlimited for the catch all purposes. Will be adding it to complete trifecta this year. Thanks for the content!

[@SpencerJohnsonOfficial]

@@greenlightsniper6222 It's all good! Everyone has their own journeys and in the end you'll get all the cards you want I'm sure. Thanks for your support!

[@professorx8258]

I'm currently with Chase, but I can't get approved for any of their cards since my credit score is 560.😢

[@SpencerJohnsonOfficial]

Chase is definitely on the stricter side of lenders. I’d recommend you really focus on making on time payments and keeping your credit utilization low. I recommend keeping your credit utilization at about 1-2% and you can do that by making early payments to your credit cards (every week or two if that helps you). If you do both of those things you’ll be well on your way to getting their cards for sure!

[@boneafidefix8628]

Hey Spencer generally what is the minimum credit score to qualify for this card thanks

[@SpencerJohnsonOfficial]

It's recommended to have above a 700 credit score to apply for Chase's cards, but people get approved with a lower score than that. There's no hard set number exactly, they're just more suggestions.

[@whitneymunoz8791]

I have a question?? (All this is completely new to me im trying to learn everything I can because I don't and never had anyone in my past to teach me any of this)... but I can never get approved for any cards I've always worked under the table / independent contractor... i'm never done my own taxes I'm 28 now I haven't worked above the table job since I was 16 at Taco Bell so I don't even know where to start all I know is I will do anything to learn. I got kids now and I got to get my shit together

[@SpencerJohnsonOfficial]

I completely understand where you're coming from and I imagine it's a lot to take in starting from scratch. I hope my videos can at least help you get started in the right direction! I've made a good amount of videos about how to maintain a good credit score and what cards you should get started with if you've never had one before (my video from last week is a good place to start) but I imagine it will be difficult to get approved for higher tier cards if you aren't claiming that you have any income. I'm pretty sure every credit card application requires you to list an income on it, however, they ask for gross annual income which is pretax money, so you could report what you make now and should be okay to get started, at least with a secured card if none other. I'd look at the Discover it cash back card if you have no previous credit history, and if you can't get approved for that, I would try to get the Discover it secured as I talked more about in last weeks video. Let me know if you have any questions as you get started though!! I'm always happy to help.

[@rowdyfps]

i just signed up a few days ago but I guess I missed the extra 5% back on groceries offer :(

[@SpencerJohnsonOfficial]

Unfortunately that offer went away when they released the 90k point in branch offer for the Sapphire Preferred. It will come back in the future though I'm sure! And you can reapply for the Freedom cards to get the welcome bonuses every 2 years, so maybe you can add another one down the line 🤷🏼‍♂️

[@omix]

I got the Chase Freedom Unlimited approved 10 days ago without any referral. Can I still use one referral for my new existing card?

[@SpencerJohnsonOfficial]

Unfortunately you cannot retroactively add a referral to an application, but I appreciate you trying!

[@jeffreyplatt7703]

Same thing happened to your Girlfriend happened to me. Got the same email then the card showed up a week later.

[@SpencerJohnsonOfficial]

That’s so odd. I wonder why that is. That’s what I get for trying to use my referral instead of their preapproval link I guess 🤣 I’ll take those free points though! 🤷🏼‍♂️

[@jeffreyplatt7703]

@@SpencerJohnsonOfficial oh did she get a decent starting credit line?

[@SpencerJohnsonOfficial]

I believe so! She’s on vacation right now so I can’t ask her right now, but I believe it was a few thousand… 3-4K maybe?

[@jeffreyplatt7703]

@@SpencerJohnsonOfficial right on man. When I got my first chase card I had just over a year of credit history. It’s been at the same $500 limit since 5/2021 😂

[@SpencerJohnsonOfficial]

Haha mine was not quite as high as hers either but I feel for you! You know you can get a credit limit increase on that with just a soft pull now right? And if you need to product change it to a better card first, I’d do that too.

[@MattClausen]

Great video

[@SpencerJohnsonOfficial]

Thanks Matt!

[@MattClausen]

@@SpencerJohnsonOfficial Of course!

[@vfdazed]

Why not a 2% cash back card?

[@SpencerJohnsonOfficial]

You could go with a 2% cash back card if you wanted! The CFU is just much more than that and can be used in combination with higher tier Chase cards to give the points you earn much more value. Then it becomes more like a 3% card (or more) if you use the points correctly. You have to want to travel to make that work though.

[@nowellclay1283]

Spencer, What are my odds to get accepted for the prefered, 21, 35k a year 739 score i Opened 2 cards in 22 and one so far in 2023 looking to get another one august 2023, weather that is chase prefered or venture x

[@SpencerJohnsonOfficial]

Great question! I can't tell you for sure if you'll be approved or not, but maybe this will help... when I got approved for my CSP I was still in college and my income was probably at about $50k. I had two credit cards opened at that time, and I was instantly approved for the CSP with just about the same credit score as you if I remember correctly. Chase will take into account a lot of different factors which is why I can't guarantee you'll be approved, but hopefully that helps a bit. Either one of those cards is solid, and hopefully you'll be able to get approved for both at some point!

[@nowellclay1283]

@@SpencerJohnsonOfficial Thanks

[@SpencerJohnsonOfficial]

No problem!

[@truytayaba2415]

Cool content

[@SpencerJohnsonOfficial]

I appreciate you!

[@emmaogrady7865]

I’m in love with Tessa

[@SpencerJohnsonOfficial]

You’re telling me

[@tequisaholloway1738]

Where's Dave Ramsey 😅

[@jamesyu613]

Congratulations

[@SpencerJohnsonOfficial]

Thank you sir!

[@jamesyu613]

@@SpencerJohnsonOfficial yw

[@ItsMeCJ]

Wait, am I first? 👀

[@SpencerJohnsonOfficial]

Haha yep! It seems like there's been a delay lately in the first commenters, so you still got to scoop this one up today... here's your crown 👑

[@AnthonyVenture]

Nice job CJ.

[@CalrosACJ55]

Instant classic

[@SpencerJohnsonOfficial]

Thanks Carlos!

[@callmeNeno]

Spencer you’re a classy young hombre .

[@SpencerJohnsonOfficial]

I appreciate that Neno!

[@callmeNeno]

@@SpencerJohnsonOfficial will be waiting for that wedding invitation~~

[@SpencerJohnsonOfficial]

Hahah I'll keep that in mind 😉

[@caribdude8151]

👍

[@SpencerJohnsonOfficial]

Thanks!

[@caribdude8151]

@@SpencerJohnsonOfficial Congrats on her approval btw!

[@SpencerJohnsonOfficial]

She appreciates that!!

[@Brilliantick99]

Lol

[@thiagogregory1]

Why are you so stiff and don't smile at all? Come on Spencer