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Member
thecheese
Posts: 20
Registered: ‎11-14-2013

First App Spree - New loot!

I've been lurking around for quite a while and spent months reading/learning and paying down my current (mostly useless) old cards in prep for a spree to thicken my credit profile. My last app was probably 5+ years ago and it was mostly just for a quick amazon discount. Well, here are my results in order of application:

 

US Bank Cash+: 6,500 limit (instant approval)

Amex BCP: $5k (instant approval)

Chase Freedom: $2500 limit (instant approval)

Barclay Arrival: $5k (instant approval)

 

Denied:

Quicksilver (No AF)

 

I knew I was pushing it with the Quicksilver, but I figured I'd see what I could get away with. Probably set off a red flag with that last app. All in all I'd say it was a successful day and I'll be gardening for quite a while. Thanks for all your wealth of knowledge!

Mega Contributor
coldnmn
Posts: 10,876
Registered: ‎08-08-2011

Re: First App Spree - New loot!

Wow Congrats! Time to garden and let your seedlings grow.

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank $10,000 / Sam's Mastercard $8000
/ Walmart Discover $8000 / Discover IT $5000 / Care Credit $5000
PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 10/25/13 /
Regular Contributor
kaskuli
Posts: 177
Registered: ‎04-25-2013

Re: First App Spree - New loot!

[ Edited ]

Congrats! Scores?


Scores: EQ-752 7/23/2014//// EX-751 7/09/2014 //// TU-749 6/21/2014
$7500 Amex BCP / $7000 Chase Freedom / $2500 Discover It / $2500 Amazon / $2000 Paypal Extras / $1700 Wells Fargo
Gardening until 7/27/2014
Member
thecheese
Posts: 20
Registered: ‎11-14-2013

Re: First App Spree - New loot!

[ Edited ]

Thanks! FICO scores were:

 

EX: 671

TU: 682

EQ: 688

 

I had 2 inqueries (just moved a couple months ago so the aprtment did a HP as did the cable company). 0% util across 3 cards, my AAoA was about 7 years, 0 lates, 1 two year old paid medical collection of $121. I also had an auto loan with a remaining $11k remaining balance with US Bank. I thought for sure I'd have to do a lot of recon with some of these cards. Just in time for the holiday shopping to get some of those bonuses! :smileyhappy:

Regular Contributor
kaskuli
Posts: 177
Registered: ‎04-25-2013

Re: First App Spree - New loot!

Thanks for that. My EQ is usually the lowest of the three. Congrats again, but it looks like you're not eligible for Amex 3X CLI ...???


Scores: EQ-752 7/23/2014//// EX-751 7/09/2014 //// TU-749 6/21/2014
$7500 Amex BCP / $7000 Chase Freedom / $2500 Discover It / $2500 Amazon / $2000 Paypal Extras / $1700 Wells Fargo
Gardening until 7/27/2014
Valued Contributor
alvon123
Posts: 5,415
Registered: ‎09-24-2013

Re: First App Spree - New loot!

congrats

Mouse cursor over cards to see limits
Mega Contributor
Creditaddict
Posts: 18,818
Registered: ‎10-23-2007

Re: First App Spree - New loot!

I would call 800-955-1455 to cap1 exec office and ask for recon of denial... tell them everyone else approved and you were hoping cap1 would be your daily use card!

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Community Leader
Senior Contributor
myjourney
Posts: 25,246
Registered: ‎02-07-2013

Re: First App Spree - New loot!

Congarts 

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Valued Contributor
B335is
Posts: 2,819
Registered: ‎09-22-2012

Re: First App Spree - New loot!


Creditaddict wrote:

I would call 800-955-1455 to cap1 exec office and ask for recon of denial... tell them everyone else approved and you were hoping cap1 would be your daily use card!


+1

 

You took the (3) HP, might as well try to get an approval out of it.  Congrats on the other approvals, you wound up with some great cards.

Member
thecheese
Posts: 20
Registered: ‎11-14-2013

Re: First App Spree - New loot!

Is there some sort of script I should follow here. I gave that number a call and they refused to even look at my app or recon stating I'd get a letter in the mail telling me why I was denied. I'm certainly new to this so I don't know what the magic words here should be.

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