topic Re: Mini App Spree in Credit Cards

Mini App Spree

teenastie — Wed, 11 Apr 2012 01:14:01 GMT

Thought I would share...

Discover More: Approved 6,500 :smileyvery-happy::catvery-happy::heart::catvery-happy::smileyvery-happy:

Costco Amex True Earning: DECLINED

CU Auto loan: Pre approved for 25K @ 7.99% apr

CU Visa: Approved 1K CLI (with auto loan HP) :smileyvery-happy:

BoA Auto Finance: Approved for 26K loan @ 6.79% apr for 72 months (accepted this offer)

Walmart Card: Approved $700 CL (Free TU08 Fico)

I was too ashamed of apping for the Costco in person and getting a instant denial :smileysad:. So I'll be patient and wait for their decision. Discover decided to eclipse my total revolving credit line (6100) by 400 dollars and give me the biggest credit lime I have had in my life! I have 0% APR and BT for 15 months. I'm up to 12,600 in total CL's now!!!

Re: Mini App Spree

ctb89 — Mon, 26 Mar 2012 21:14:04 GMT

Wow congrats! That's a huge starting CL from Discover.

Re: Mini App Spree

Idiotsavant — Mon, 26 Mar 2012 21:37:23 GMT

Congratulations! That is a good CL for the Discover card, and I can't imagine why you would be denied for the Costco TE. It does take a week for them to verify though, so it's a really bad waiting game. If I were you, I'd just go to a farther Costco and apply in person, it's not like you have to see them any time soon (though I didn't know you could apply in person at a Costco when I applied).

I am sending good TE mojo your way, so keep us posted!

Re: Mini App Spree

bichonmom — Mon, 26 Mar 2012 21:38:31 GMT

Congrats! Awesome limit w/Discover! :)

Re: Mini App Spree

LS2982 — Mon, 26 Mar 2012 21:46:03 GMT

teenastie wrote:
Thought I would share...

Discover More: 6,500 :smileyvery-happy::catvery-happy::heart::catvery-happy::smileyvery-happy:

Costco Amex True Earning: Awaiting Verification of Costco membership.

I was too ashamed of apping for the Costco in person and getting a instant denial :smileysad:. So I'll be patient and wait for their decision. Discover decided to eclipse my total revolving credit line (6100) by 400 dollars and give me the biggest credit lime I have had in my life! I have 0% APR and BT for 15 months. I'm up to 12,600 in total CL's now!!!

Big Congrats!!!!

Re: Mini App Spree

teenastie — Mon, 26 Mar 2012 22:53:56 GMT

Thanks y'all!

I actually apped last night and got the 5-7 day message. I called this morning and the rep asked me a few questions. He asked what did I want to do with the card I told him BT and Shop at Sam's. He reviewed my file and asked me about my apps from last year. I told him the Amex's were for Costco and I used my mastercard (HSBC Orchard) for Sam's. I told him at least 3 times that I had the card for 6 years and I only have a $600 CL he laughed and said "let me see what I can do." Good People I think this will be the beginning of a beautiful relationship!

Re: Mini App Spree

teenastie — Mon, 26 Mar 2012 22:55:34 GMT

Idiotsavant wrote:
Congratulations! That is a good CL for the Discover card, and I can't imagine why you would be denied for the Costco TE. It does take a week for them to verify though, so it's a really bad waiting game. If I were you, I'd just go to a farther Costco and apply in person, it's not like you have to see them any time soon (though I didn't know you could apply in person at a Costco when I applied).

I am sending good TE mojo your way, so keep us posted!

:smileyvery-happy: Thanks!!!

I was approved 1 time at Sears in person about 14 years ago! Since then I have never been approved in store. It's an aweful feeling!

Re: Mini App Spree

LS2982 — Mon, 26 Mar 2012 23:20:37 GMT

teenastie wrote:
Idiotsavant wrote:
Congratulations! That is a good CL for the Discover card, and I can't imagine why you would be denied for the Costco TE. It does take a week for them to verify though, so it's a really bad waiting game. If I were you, I'd just go to a farther Costco and apply in person, it's not like you have to see them any time soon (though I didn't know you could apply in person at a Costco when I applied).

I am sending good TE mojo your way, so keep us posted!
:smileyvery-happy: Thanks!!!
I was approved 1 time at Sears in person about 14 years ago! Since then I have never been approved in store. It's an aweful feeling!

I hate that myself!! esp. when there is a line behind you!

Re: Mini App Spree

boomhower — Tue, 27 Mar 2012 00:15:58 GMT

Discover did that to me as well. My highest reporting CC was $2k, they gave me $5k. I do have a Dell account at $5.5k but that's hardly the same.

Re: Mini App Spree

teenastie — Tue, 27 Mar 2012 00:45:01 GMT

TBH bichonmom and LS's recent sucess were big motivators in my recent spree! Thanks guys!

:smileyvery-happy:

Re: Mini App Spree

LS2982 — Tue, 27 Mar 2012 00:47:12 GMT

teenastie wrote:
TBH bichonmom and LS's recent sucess were big motivators in my recent spree! Thanks guys!

:smileyvery-happy:

Its my fault....................:smileysad:.............oh wait this is positive!!!! :smileyhappy:

Re: Mini App Spree

Repo-ed — Tue, 27 Mar 2012 01:23:10 GMT

teenastie wrote:
Idiotsavant wrote:
Congratulations! That is a good CL for the Discover card, and I can't imagine why you would be denied for the Costco TE. It does take a week for them to verify though, so it's a really bad waiting game. If I were you, I'd just go to a farther Costco and apply in person, it's not like you have to see them any time soon (though I didn't know you could apply in person at a Costco when I applied).

I am sending good TE mojo your way, so keep us posted!
:smileyvery-happy: Thanks!!!
I was approved 1 time at Sears in person about 14 years ago! Since then I have never been approved in store. It's an aweful feeling!

My first card was a Sears (not the BoA Gold card as I mentioned in another thread) and I had applied in person. Didn't know what I was doing. I was 18. My 2nd card that I app'ed in person and it was 3 years ago, and I was scared to death, as it was for the dept store card I was WORKING (still am) at.

Re: Mini App Spree

teenastie — Tue, 27 Mar 2012 02:14:18 GMT

Repo-ed wrote:
My first card was a Sears (not the BoA Gold card as I mentioned in another thread) and I had applied in person. Didn't know what I was doing. I was 18. My 2nd card that I app'ed in person and it was 3 years ago, and I was scared to death, as it was for the dept store card I was WORKING (still am) at.

My best friend from college worked there and pressured me to sign up so he could get $2 for opening a new account. He got his 2 dollars and 8 years later I was taken to court by them to the tune of $9,206!!! The judge ruled in my favor now it's a long running joke about the turmoil that that specific card gave me!

Re: Mini App Spree

teenastie — Sun, 01 Apr 2012 00:36:36 GMT

Hey folks I'm still apping :smileytongue:

Called up the trusty CU today for a pre approval on an auto loan and was quoted a 674 EQ beacon and offered a 7.9% apr. They nice lady on the phone also said, "we will give you an additional $1,000 on your Credit Card." Woo-Hoo!!! That one is up to $4,000!!!

Also got my letter back from discover with my score EQ Fico 689!!!

Re: Mini App Spree

Repo-ed — Sun, 01 Apr 2012 00:39:33 GMT

Get the costco approval?

Re: Mini App Spree

LS2982 — Sun, 01 Apr 2012 00:40:48 GMT

teenastie wrote:
Hey folks I'm still apping :smileytongue:

Called up the trusty CU today for a pre approval on an auto loan and was quoted a 674 EQ beacon and offered a 7.9% apr. They nice lady on the phone also said, "we will give you an additional $1,000 on your Credit Card." Woo-Hoo!!! That one is up to $4,000!!!

Also got my letter back from discover with my score EQ Fico 689!!!

Congrats!!!

Re: Mini App Spree

teenastie — Sun, 01 Apr 2012 00:45:58 GMT

Repo-ed wrote:
Get the costco approval?

Just checked... DECLINED :smileymad:

I called today to see if it would be ok to put 7K down on my Amex Gold and the rep said, "With you payment history you will not have any problems with a $7,000 charge today sir." I guess Amex just want my AF's...

Re: Mini App Spree

LS2982 — Sun, 01 Apr 2012 00:50:58 GMT

teenastie wrote:
Repo-ed wrote:
Get the costco approval?
Just checked... DECLINED :smileymad:

I called today to see if it would be ok to put 7K down on my Amex Gold and the rep said, "With you payment history you will not have any problems with a $7,000 charge today sir." I guess Amex just want my AF's...

Re: Mini App Spree

teenastie — Sun, 01 Apr 2012 00:54:09 GMT

LS2982 wrote:

They are just playa hatin...

Re: Mini App Spree

Repo-ed — Sun, 01 Apr 2012 00:55:12 GMT

teenastie wrote:
Repo-ed wrote:
Get the costco approval?
Just checked... DECLINED :smileymad:

I called today to see if it would be ok to put 7K down on my Amex Gold and the rep said, "With you payment history you will not have any problems with a $7,000 charge today sir." I guess Amex just want my AF's...

Declined for what reason? Seems pretty cut/dry.