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Approved - Happy Beaver Dance!

tag
Credit-hoarder
Valued Contributor

Re: Approved - Happy Beaver Dance!

Congrats. I just "lit the fuse" on this one earlier this morning.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 11 of 33
chnceit
Valued Contributor

Re: Approved - Happy Beaver Dance!

Thanks all!

These are all FAKO scores because I haven't pulled my reports in a while. I tried to be good from applying and knowing so I could grow my file.

Stats: Clean reports. Inquiries 4-6 on each report. UTI 4%. CK: 751 CS: 755. AAoA: 2.3 Years. Highest CL before approval 16K.

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 12 of 33
emptypockets
Valued Contributor

Re: Approved - Happy Beaver Dance!

Congrats to both of you, nice limits!


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797
Message 13 of 33
lhcole77
Valued Contributor

Re: Approved - Happy Beaver Dance!


@chnceit wrote:
Thanks all!

These are all FAKO scores because I haven't pulled my reports in a while. I tried to be good from applying and knowing so I could grow my file.

Stats: Clean reports. Inquiries 4-6 on each report. UTI 4%. CK: 751 CS: 755. AAoA: 2.3 Years. Highest CL before approval 16K.

Thanks for posting these. Seems to me that all posted approvals with high CL have had low UTL and high scores.

 


WTG!

Message 14 of 33
chris1960
Regular Contributor

Re: Approved - Happy Beaver Dance!

Congrats...Awesome CL

EQ 650 | TU 652 | EX 676 MyFICO SCORES 06/01/2014

Current Cards: NFCU nRewards Visa $25,000 | Citi AAdvantage Visa Sig $7000 | USAA VFW Amex $7,000 | Lowes $5,900 | Chase SWA RR Visa Sig: $5,000 | AMEX BCE $5000 | AMEX PRG NPSL
Message 15 of 33
chnceit
Valued Contributor

Re: Approved - Happy Beaver Dance!


@lhcole77 wrote:

@chnceit wrote:
Thanks all!

These are all FAKO scores because I haven't pulled my reports in a while. I tried to be good from applying and knowing so I could grow my file.

Stats: Clean reports. Inquiries 4-6 on each report. UTI 4%. CK: 751 CS: 755. AAoA: 2.3 Years. Highest CL before approval 16K.

Thanks for posting these. Seems to me that all posted approvals with high CL have had low UTL and high scores.

 


WTG!


Seems to be true. Some with lower scores and higher UTI get lower CL's. 

 

BTW! Thanks all! Doing the Beaver dance! LOL Smiley Very Happy


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 16 of 33
ZoomZoom22
Valued Member

Re: Approved - Happy Beaver Dance!


@chnceit wrote:

@lhcole77 wrote:

@chnceit wrote:
Thanks all!

These are all FAKO scores because I haven't pulled my reports in a while. I tried to be good from applying and knowing so I could grow my file.

Stats: Clean reports. Inquiries 4-6 on each report. UTI 4%. CK: 751 CS: 755. AAoA: 2.3 Years. Highest CL before approval 16K.

Thanks for posting these. Seems to me that all posted approvals with high CL have had low UTL and high scores.

 


WTG!


Seems to be true. Some with lower scores and higher UTI get lower CL's. 

 

BTW! Thanks all! Doing the Beaver dance! LOL Smiley Very Happy


 

Not so fast, not consistent with experiences here, nor my own.  Thread here:

http://ficoforums.myfico.com/t5/Credit-Cards/Duck-card-approval-profiles/td-p/2510735

 

 

********************

@ZoomZoom22 wrote:

FWIW I was approved with 33% util, however I am high earner.

 

Got congrats instant approval mesasge and says card will arrive 7-10 days (not to be confused with 7-10 day message).

 

My highest CL's are in the 30-50k range so I am interested to see what this one is since I have seen some high lines with people here with less profile than mine :smileyhappy:

 


I am quoting myself here ^^

 

I called in today to see what my credit line was on my approval and it was $20k

 

Thanks again to the forum here for a great thread that allowed me another high CL line.

 

As mentioned somewhat high UTIL at the moment (31% actually) but high earner.

 

Other notables:

 

INQ: 2 within past year

Aaa 7+ years

Oldest: 19 years

No baddies

EQ FICO as of last weekend: 768

Message 17 of 33
B335is
Moderator Emeritus

Re: Approved - Happy Beaver Dance!

ZoomZoom22, you have a long history which OCCU seems to like.  Folks with AAoA around 1 year appear to be getting the denials or low initial CL.

Message 18 of 33
Express
Frequent Contributor

Re: Approved - Happy Beaver Dance!


@chnceit wrote:

Had to jump on the Duck/Beaver Bandwagon!

 

Told the other half of this card that everyone is talking about and all these approvals with high staring CL's. So the other half applied Sunday evening and got the dreaded 7-10 day. Well thought denied. Then called in the AM. APPROVED! 15K Whoop!

 

Then I got jealous so I applied! Like others on the decision page it said approved, not CL so I couldn't wait for any snail mail so I called. Approved - 20K! My highest starting CL like EVER!


Doing the Happy Beaver Dance! LOL Whatever that is! Smiley LOL

 

Thanks to this board for the info because I wouldn't have known about this card. 


Back to the garden I go because my seed needs to grow!

 

Edit to correct my spelling


Congrats! On getting  the two beavers!!   Smiley Very Happy 

I just app and got the dreaded 7 to 10 day letter   Smiley Sad

CL $408,200
Message 19 of 33
lg8302ch
Senior Contributor

Re: Approved - Happy Beaver Dance!

Congrats ..very nice limits Smiley Happy
Message 20 of 33
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