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Valued Contributor
juggalo9er
Posts: 1,314
Registered: ‎10-24-2013
0

Re: Prime/Blacklist Approval Experiment, who's with me?

instandlt declined for discover, sole reason for decision was chapter 7, they pulled a 670. I find this kind of funny in that i closed on my house today (loan was already funded) and was approved for a $500 line with lowes. o well i guess i just discovered their answer for me NO....btw there was no counter for a secured card.

the beatings will continue until moral improves Wal-Mart 300 lowes 500 cap 1 3000 Barclay rewards 800 upromise 3800
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closed on home 3/15/2014
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svtthis
Posts: 119
Registered: ‎07-09-2012
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Re: Prime/Blacklist Approval Experiment, who's with me?


juggalo9er wrote:

instandlt declined for discover, sole reason for decision was chapter 7, they pulled a 670. I find this kind of funny in that i closed on my house today (loan was already funded) and was approved for a $500 line with lowes. o well i guess i just discovered their answer for me NO....btw there was no counter for a secured card.


Did you include discover in your bk filling?

Valued Contributor
juggalo9er
Posts: 1,314
Registered: ‎10-24-2013
0

Re: Prime/Blacklist Approval Experiment, who's with me?


svtthis wrote:

juggalo9er wrote:

instandlt declined for discover, sole reason for decision was chapter 7, they pulled a 670. I find this kind of funny in that i closed on my house today (loan was already funded) and was approved for a $500 line with lowes. o well i guess i just discovered their answer for me NO....btw there was no counter for a secured card.


Did you include discover in your bk filling?


no...they cited student loan balances (5k) and age of open revolving accounts too low. i

the beatings will continue until moral improves Wal-Mart 300 lowes 500 cap 1 3000 Barclay rewards 800 upromise 3800
Indiana Members Platinum Visa $10,000 forum credit union mastercard 12,000, forum 7.24% 2,500
closed on home 3/15/2014
Regular Contributor
somotao
Posts: 229
Registered: ‎08-13-2011
0

Re: Prime/Blacklist Approval Experiment, who's with me?


juggalo9er wrote:

svtthis wrote:

juggalo9er wrote:

instandlt declined for discover, sole reason for decision was chapter 7, they pulled a 670. I find this kind of funny in that i closed on my house today (loan was already funded) and was approved for a $500 line with lowes. o well i guess i just discovered their answer for me NO....btw there was no counter for a secured card.


Did you include discover in your bk filling?


no...they cited student loan balances (5k) and age of open revolving accounts too low. i


what are your currect credit cards? and how old are they? discover does like to see usage of existing credit cards post BK. 


Starting Score: 500s
Current Score: EQ: 693myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $2000, Capital One Platinum $12000, Barclays Rewards $4700, Walmart $2600, Amazon Store Card $1250.
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Valued Member
penguin11
Posts: 27
Registered: ‎05-21-2013
0

Re: Prime/Blacklist Approval Experiment, who's with me?

[ Edited ]

American Express Fidelity Investment credit card

Has anyone approved for AMEX Fidelity Investment credit card with a bk on the cr? Almost 3 years post filing.

EXP FICO 700+, 1 % Utilization with 50K+ CL's.  Would pull a trigger to apply if there is a chance, otherewise

it would be a waste of a hp.

Thanks,

Established Contributor
SoulMaster
Posts: 993
Registered: ‎11-08-2011
0

Re: Prime/Blacklist Approval Experiment, who's with me?

I didn't see any World Master Card Elite cards in here for me to refer when I was thinking about applying, so:

 

Barclays Arrival+ World Master Card Elite Approved After Recon - Limit $5K (for now)

$440 signing bonus, no first year AF.

 

Got the 10 day notice, which means "auto deny".  Called Recon line - told them I'd be happy to move credit from my other 2 Barclay Cards to open this one.  Answered the same Q's Barclays always asks when I app for them and get denied.... Why BK, Income, time @ employer... etc.  He moved my $3800 of my existing CL over (leaving $500 on NFL & Barclay Barclay Rewards) then jumped it $1200 to hit the $5000.  YMMV

 

Shortly after C1 raised limit to $5K

Disco still won't increase my limit from $2500 even though I charge more than that every month on their card and pay it off 2-3 times/mo.

 

Current Wallet:

 

$ 22,000 - Navy Federal Flagship Visa Signature

$   5,000 - Chase Freedom

$   5,000 - Capital One QuickSilver (No AF)

$   5,000 - Barclays Arrival World MC

$   2,500 - DiscoverIT

$      500 - Barclays NFL - (I'll be closing this in a few months)

$      500 - Barclay Rewards (I'll be closing this in a few months, too)

 

Cheers,

 

-SM

 

P.S.  I know I've been off the boards for quite awhile.  I've been extremely busy (I have 3 "jobs" now... 2 don't pay at all, yet!).  I've barely had time to respond to the PMs, but I'm finding it.  Hopefully things will settle down a bit this summer.

 

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of 3/15/14 All 700+. Last CR pull from a lender(housing) was mid-score 729.
Goal Score: 700+ - reached.
Valued Contributor
Scupra
Posts: 1,354
Registered: ‎07-12-2012
0

Re: Prime/Blacklist Approval Experiment, who's with me?

Congrats SM! I'm guessing the 10 day was just because you had other Barclays accounts lol Nice starting limit though, I have to admit I'm kicking myself right now for not asking for a recon on my initial limit! I was auto approved $3k so hopefully at 6 months the "auto cli" pushes me over $5k and I'll request the upgrade! Congrats again!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
692 EQ FICO 09/2014
680 TU FICO 09/2014
671 EX FICO 09/2014
$14k NFCU Flagship Sig - $14k NFCU cashRewards Sig - $15k NavChek - $6k Barclays Arrival + - $5k Cap1 Quicksilver
Contributor
mrsjr
Posts: 87
Registered: ‎02-24-2013
0

Re: Prime/Blacklist Approval Experiment, who's with me?


SoulMaster wrote:

I am re-posting because for some reason this didn't show up... odd... if it duplicates, I'll delete one.

 

I didn't see any World Master Card Elite cards in here for me to refer when I was thinking about applying, so:

 

Barclays Arrival+ World Master Card Elite Approved After Recon - Limit $5K (for now)

$440 signing bonus, no first year AF.

 

Got the 10 day notice, which means "auto deny".  Called Recon line - told them I'd be happy to move credit from my other 2 Barclay Cards to open this one.  Answered the same Q's Barclays always asks when I app for them and get denied.... Why BK, Income, time @ employer... etc.  He moved my $3800 of my existing CL over (leaving $500 on NFL & Barclay Barclay Rewards) then jumped it $1200 to hit the $5000.  YMMV

 

Shortly after C1 raised limit to $5K

Disco still won't increase my limit from $2500 even though I charge more than that every month on their card and pay it off 2-3 times/mo.

 

Current Wallet:

 

$ 22,000 - Navy Federal Flagship Visa Signature

$   5,000 - Chase Freedom

$   5,000 - Capital One QuickSilver (No AF)

$   5,000 - Barclays Arrival World MC

$   2,500 - DiscoverIT

$      500 - Barclays NFL - (I'll be closing this in a few months)

$      500 - Barclay Rewards (I'll be closing this in a few months, too)

 

Cheers,

 

-SM

 

P.S.  I know I've been off the boards for quite awhile.  I've been extremely busy (I have 3 "jobs" now... 2 don't pay at all, yet!).  I've barely had time to respond to the PMs, but I'm finding it.  Hopefully things will settle down a bit this summer.

 


How long after your BK did you app for the Quicksilver?  Or was it PC'd from another product?  Did you have to recon for it?

Discover IT 1K | Barclay Rewards MC 2.6K | Capital One QuickSilver 2.5K | Walmart 2.2K | Target 500 | Kay Jewelers 5.1K

Starting Score: 601
Current Score: 730
Goal Score: 800


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Established Contributor
SoulMaster
Posts: 993
Registered: ‎11-08-2011
0

Re: Prime/Blacklist Approval Experiment, who's with me?

My QuickSilver was originally a CapitalOne NoHassle Rewards for Average Credit w/ $39AF.  I apped according to schedule (A few mo post DC), called in and had them remove the AF forever @ month 12, then PC'd to the QuickSilver when the QuickSilver replaced the NHR.

 

I'm now 3.5 years post DC.  The plan only goes to 2 years... Thus the cards & stuff that are different than what the plan says.

 

Follow the plan.

 

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of 3/15/14 All 700+. Last CR pull from a lender(housing) was mid-score 729.
Goal Score: 700+ - reached.
Contributor
mrsjr
Posts: 87
Registered: ‎02-24-2013
0

Re: Prime/Blacklist Approval Experiment, who's with me?


SoulMaster wrote:

My QuickSilver was originally a CapitalOne NoHassle Rewards for Average Credit w/ $39AF.  I apped according to schedule (A few mo post DC), called in and had them remove the AF forever @ month 12, then PC'd to the QuickSilver when the QuickSilver replaced the NHR.

 

I'm now 3.5 years post DC.  The plan only goes to 2 years... Thus the cards & stuff that are different than what the plan says.

 

Follow the plan.

 

-SM


Thanks for the reply!  I just called and had mine upgraded to the QS, too.  Yay!

Discover IT 1K | Barclay Rewards MC 2.6K | Capital One QuickSilver 2.5K | Walmart 2.2K | Target 500 | Kay Jewelers 5.1K

Starting Score: 601
Current Score: 730
Goal Score: 800


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