topic Re: Just did my very first app spree. Results are in! in Credit Cards

Just did my very first app spree. (Update on P.3)

isoldmyatlas — Sun, 07 Oct 2012 20:48:24 GMT

After getting my first scores last night, I went ahead and applied for Amex Green, Discover More, and the Chase Amazon Visa just now. Originally was going to wait until next month, but figured it wouldn't make a huge difference. Instant approval for the Green! Instant approval for Discover More! 30 day message for Chase. I felt confident about being approved for the Green and More, but was more unsure about the Amazon card so no surprises there. Should I call a backdoor number on Monday? If so, which do you recommend using? I know lots of folks here have recon'd with Chase.

I'm not sure what sort of CL Discover approved me for but on the preferences section it asked me if I wanted an alert when my balance reaches $2700. So I'm guessing $3000?

I'm very happy. Getting the Amazon card too would be nice but the Green and More were definitely more important to me!

Re: Just did my very first app spree. Results are in!

Shogun — Sun, 07 Oct 2012 02:25:07 GMT

Congrats on your spree! Absolutely call the backdoor, why wait a month?

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 02:27:49 GMT

I just called the automated app status line and now it says 7-10 days. I'll try a backdoor number after work on Monday! Maybe I can finagle a teensy credit limit out of them.

Re: Just did my very first app spree. Results are in!

Shogun — Sun, 07 Oct 2012 02:28:46 GMT

Update and let us know. Good Luck!

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 02:32:05 GMT

Checked the backdoor numbers thread to see if there was an app status line for Discover so I could find out my limit, but I don't see one. I'll just wait for the letter :)

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 02:41:38 GMT

Nevermind, I googled like a smart person. $3000 from Discover! Wow!

Re: Just did my very first app spree. Results are in!

EandK23 — Sun, 07 Oct 2012 02:56:42 GMT

Congrats on the cards, CL, and I would definitely call on Monday!

Re: Just did my very first app spree. Results are in!

migliogiorni — Sun, 07 Oct 2012 03:19:49 GMT

Nice Starting CL with Discover.

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 03:30:48 GMT

I know! I honestly figured my limit would be around $1000, maybe $1500 max. And I would have been totally OK with that. $3000 was a shock! I was under the impression Discover was pretty conservative with starting limits. I guess they really want me to put away my Cap1 ;)

Re: Just did my very first app spree. Results are in!

jd5189 — Sun, 07 Oct 2012 03:44:51 GMT

Congrats on the approvals.

From my experience:
30 Days - Denial
7-10 Days - Approval possibly pending verification

Definitely call in when you can!

Re: Just did my very first app spree. Results are in!

Tran92 — Sun, 07 Oct 2012 09:38:52 GMT

Congrats! Very nice starting credit limit.

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 10:29:29 GMT

I just remembered Monday is a holiday! I guess I will have to wait until Tuesday to call them.

Re: Just did my very first app spree. Results are in!

rosegardener — Sun, 07 Oct 2012 12:36:04 GMT

Congrats!! Good for you :) Great starting CL with Discover

Re: Just did my very first app spree. Results are in!

shakalaka — Sun, 07 Oct 2012 12:47:10 GMT

Well yeah, the limit for Dicsover is really nice. Mind sharing your income with us?

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 12:59:48 GMT

Between 30 and 40k. But 2 things I have going for me are that I have no debt or loans whatsoever, and my rent is only 15% of my income, so I'm low risk in that sense.

Re: Just did my very first app spree. Results are in!

shakalaka — Sun, 07 Oct 2012 13:06:04 GMT

I will never understand the underwriting. I have one months more history and more then double your income and did get half of your limit. Okay I had more Inq on me EQ due to joining my credit union.

Nevertheless, let us do some happydance and party to be in prime land :smileyvery-happy: they will grow with us for sure.

Re: Just did my very first app spree. Results are in!

snowkitty — Sun, 07 Oct 2012 13:15:31 GMT

Congrats on your spree outcome! Nice starting limit with discover!!!

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 13:24:13 GMT

Yeah, I had no inqs on my EQ and I think that's the one they checked since they haven't shown up on my TU report yet. Very excited to have a couple of prime cards at this point in the game!

Re: Just did my very first app spree. Results are in!

shakalaka — Sun, 07 Oct 2012 13:44:26 GMT

Yes looking forward to my first pre app in the mail ... which is not from CapOne or even worse CreditOne :smileyvery-happy:

Re: Just did my very first app spree. Results are in!

rtw — Sun, 07 Oct 2012 17:13:16 GMT

You may want to call today. I was able to recon with Chase on a Sunday.