01-02-2013 07:18 AM
The joys of backdating and the desire to get this card was too much. The approval wasn't instant and it listed the same negative factors as previously listed (serious delinquency, time since delinquency too recent, loan balance high - Student loans, and too many inquiries in 12 months - 4). After calling and getting transferred to special delivery people - they are UPSing my card to me, I was approved!
The EX score they gave me was 724 at Zero APR for first 6 months then 19 APR (Not happy about that) and a Initial CL 8.4k (HURRAY This is so much higher than the 2k ICL I got with my Delta card). I checked USAA and they only pulled EX (no triple pull this time).
Back to the garden for me. On radar - CSP and SPG with a little Citi Foward thrown into the mix Happy New Year MyFICO!
01-02-2013 07:27 AM
Congrats! This card is the only one I want. Applied yesterday and still waiting for a decision.
01-02-2013 07:34 AM
Thanks. I found it interesting that my ICL was slightly above my highest spend on my Zync card (I had charged 8.3k to it last month and already PIF). Wonder if this is related to the odd amount on the ICL (8.4k is a strange number). This gives me 4 of my now 9 cards with CL's above 5k. Delta 6k, BCP 8.4k, Walmart Discover 5.4k (another strange number but this was 3x my ICL) and NFCU, the grand daddy of them all, at 25k.
01-02-2013 07:43 AM
01-02-2013 07:44 AM
01-02-2013 07:48 AM
01-02-2013 07:55 AM
01-02-2013 08:12 AM
wow Duncan you step out the garden already.......Nice......
01-02-2013 08:18 AM
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