3/3 APPROVED! Chase, CITI, Barclays

SwiftTone · ‎05-06-2013

First my Profile.

EQ FICO: 736. All other FICOs are +/- 10 points guesstimate.

AAoA: 3 years+

Inquries in the last year: EX: 3 EQ: 1 TU: 0

Utilization: 1%

So first up was Chase Priority Club for the 80,000 points offer after $1000 spent. They pulled EX(as usual). Gave me a "needs further review" message right away. 10 minutes later I called the automated app status line and said it was approved for $4500. Not as much as I hoped for because I wanted to get my first VISA Signature card. I ended up calling up customer service and they moved $1000 of that credit to my Freedom and initiated a VISA Signature conversion. Few days later I received a call from a CSR to verify some info and go over the VISA Signature terms etc.

Second up was CITI Dividend Platinum Select VISA(whatever it's called) for their $100 bonus after $500 spent. I had been getting multiple preapproval letters per week for months so I used one of those codes. They pulled EQ which I thought was odd because I read they usually pull EX in MA. It was an instant approval for $2000. WHAT?!?! seriously?? Errr, hopefully it grows or I can recon the intial CL somehow. I was quite disapointed. Not really planning on using this card much just wanted to get in with CITI for the future.

Right after CITI I applied for Barclays NFL Patriots card. I'm not even a sports fan but I wanted to get in with Barclays and their $400 back after $2500 offer was attractive. They pulled TU which was expected and great because I have no inquires whatsoever on TU. BAM instant approval for $7000 CL. My highest instant approval ever! Now that I've gotten some CL over $5000, I want one that's over $10,000. I might try to recon the CL on activation. Anyone know if it's possible?

I might be looking for apply for 1 more if you guys have good suggestions. Preferably looking for something with no AF. Also, what are the best ways to get a CLI on the latter 2 cards?

Also, if you guys have questions for me feel free to ask away!

EDIT: Looks like CITI double pulled me. They HPed both Experian and EQ! I guess I am a boarderline applicant...

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766

SteveUrkel · ‎05-06-2013

wow congrats

*22 Years Old* Started my credit at age 19
Chase Sapphire Preferred Visa Signature- $9,200 II TFCU - $2,500 II Amex BCE - $2,400 II Paypal Extras Mastercard - $7,600 II American Eagle VISA - $3300 II Best Buy Visa - $3,000 II Chase Slate - $500

searchingfor67 · ‎05-06-2013

Congrats!

dodgerslv · ‎05-06-2013

Congrats on all of your approvals!!! cannot wait to get in with Chase hopefully soon!

gardening since 5/21/2016

CS800 · ‎05-06-2013

Congrats , Nice lineup

SpecFile · ‎05-06-2013

Congrats.

flyingace · ‎05-06-2013

Is the Barclayscard really all that good? On CK, some of the reviews weren't stellar, but I guess I can't go by that.

Tommy5746 · ‎05-06-2013

CONGRATS!!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit

longtimelurker · ‎05-06-2013

@SwiftTone wrote:

EDIT: Looks like CITI double pulled me. They HPed both Experian and EQ! I guess I am a boarderline applicant...

Double pulls seem to be very common. The pulled me twice each for the Preferred and the Premier, and still gave good CLs on each. So it may be that there are being increasingly cautious.

LS2982 · ‎05-06-2013

@SwiftTone wrote:
First my Profile.

EQ FICO: 736. All other FICOs are +/- 10 points guesstimate.
AAoA: 3 years+
Inquries in the last year: EX: 3 EQ: 1 TU: 0
Utilization: 1%

So first up was Chase Priority Club for the 80,000 points offer after $1000 spent. They pulled EX(as usual). Gave me a "needs further review" message right away. 10 minutes later I called the automated app status line and said it was approved for $4500. Not as much as I hoped for because I wanted to get my first VISA Signature card. I ended up calling up customer service and they moved $1000 of that credit to my Freedom and initiated a VISA Signature conversion. Few days later I received a call from a CSR to verify some info and go over the VISA Signature terms etc.

Second up was CITI Dividend Platinum Select VISA(whatever it's called) for their $100 bonus after $500 spent. I had been getting multiple preapproval letters per week for months so I used one of those codes. They pulled EQ which I thought was odd because I read they usually pull EX in MA. It was an instant approval for $2000. WHAT?!?! seriously?? Errr, hopefully it grows or I can recon the intial CL somehow. I was quite disapointed. Not really planning on using this card much just wanted to get in with CITI for the future.

Right after CITI I applied for Barclays NFL Patriots card. I'm not even a sports fan but I wanted to get in with Barclays and their $400 back after $2500 offer was attractive. They pulled TU which was expected and great because I have no inquires whatsoever on TU. BAM instant approval for $7000 CL. My highest instant approval ever! Now that I've gotten some CL over $5000, I want one that's over $10,000. I might try to recon the CL on activation. Anyone know if it's possible?

I might be looking for apply for 1 more if you guys have good suggestions. Preferably looking for something with no AF. Also, what are the best ways to get a CLI on the latter 2 cards?

Also, if you guys have questions for me feel free to ask away!

EDIT: Looks like CITI double pulled me. They HPed both Experian and EQ! I guess I am a boarderline applicant...

CONGRATS!!!!!

Time to hit the garden with those seedlings!!!!

EQ FICO 548 3/3/16