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I'M BACK!!! AND READY FOR TROUBLE

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yudeology101
Senior Contributor

I'M BACK!!! AND READY FOR TROUBLE

Hello Everyone!

 

I know you guys missed me, sorry i've been gone for a while due to family issues & work.  But I am back and have some troubling news to share muhahahaha

 

I had to unfreeze my EX/TU due to personal reasons.... my credit doctor told me that Benadryl will no longer work on my itching problems Smiley Happy 

 

Anyways, here we go: 

 

1)  Merrill+ : I finally app'ed for the card over the phone, still offered the 25k points after $2.5k spend i think?  The rep had a thick accent so couldn't quite understand too well.  Was initially given the 30day msg, but the rep wanted to know if i wanted to balance transfer so i asked if i was approved and she said no.  WTH?  Anyways, called the backdoor number and talked to a Sr. Analyst and he wanted to start me off w/ $2k since i had too many recent account openings & INQs on my EX.  This morning woke up and checked my BOA account and there it was...Merrill already showing up on my BOA account!  So excited to get my card Smiley Wink

Screen shot 2014-05-10 at 9.47.39 AM.png

 

2) NASA FCU-  Read some recent approval threads yesterday, so i went for it online asking for $14k.  Received the Pending Review message, called this morning and the CSR told me it usually takes 1-3 business days so i should check back on Monday or Tuesday.  Will update soon, I hope i get it!!

Screen shot 2014-05-10 at 9.52.49 AM.png

 

3) Lowes-  Couldn't get this darn card out of my head, so app'ed for the card this morning.  Instant approval of $500, called Credit Solutions right away and asked for $45k because i need to build a house for my cat.  She triple confirmed the amount that i was asking of $45k lol and placed me on hold and ba'am!  countered w/ $12k!!  By far my highest limit, sooo excited!!!

Screen shot 2014-05-10 at 9.48.55 AM.png

 

 

There you have it folks!  Come at me, i'm ready to stir up the forum lol Smiley Wink

 

Hope everyone is doing good!!

 

::edited for typo::

 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 1 of 27
26 REPLIES 26
SunriseEarth
Moderator Emeritus

Re: I'M BACK!!! AND READY FOR TROUBLE

Congrats!  Sounds much better than my Macy's garden escape.  Heheh



Start: 619 (TU08, 9/2013) | Current: 806 (TU08, 6/06/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $53000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Synchrony Premier $24,200 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Ralphs Rewards WEMC $20000 | Citi Custom Cash MC $19600 | Jared Gold Card $19000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Belk MC $10000 | Sephora VS $9400 | Wayfair MC $4500 | ~~
Message 2 of 27
CardHunter
Established Contributor

Re: I'M BACK!!! AND READY FOR TROUBLE

Super Nice.. Congrats!!!

Message 3 of 27
mongstradamus
Super Contributor

Re: I'M BACK!!! AND READY FOR TROUBLE

Gratz to you both on your excursions from the garden :-) 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 4 of 27
cgussio
New Contributor

Re: I'M BACK!!! AND READY FOR TROUBLE

Congratulations. I hope your cat can adjust to the 12K limit Smiley Happy

Message 5 of 27
B335is
Moderator Emeritus

Re: I'M BACK!!! AND READY FOR TROUBLE

Congrats yudeology! Welcome back to the show.
Message 6 of 27
CreditMagic7
Mega Contributor

Re: I'M BACK!!! AND READY FOR TROUBLE


@yudeology101 wrote:

Hello Everyone!

 

I know you guys missed me, sorry i've been gone for a while due to family issues & work.  But I am back and have some troubling news to share muhahahaha

 

I had to unfreeze my EX/TU due to personal reasons.... my credit doctor told me that Benadryl will no longer work on my itching problems Smiley Happy 

 

Anyways, here we go: 

 

1)  Merrill+ : I finally app'ed for the card over the phone, still offered the 25k points after $2.5k spend i think?  The rep had a thick accent so couldn't quite understand too well.  Was initially given the 30day msg, but the rep wanted to know if i wanted to balance transfer so i asked if i was approved and she said no.  WTH?  Anyways, called the backdoor number and talked to a Sr. Analyst and he wanted to start me off w/ $2k since i had too many recent account openings & INQs on my EX.  This morning woke up and checked my BOA account and there it was...Merrill already showing up on my BOA account!  So excited to get my card Smiley Wink

Screen shot 2014-05-10 at 9.47.39 AM.png

 

2) NASA FCU-  Read some recent approval threads yesterday, so i went for it online asking for $14k.  Received the Pending Review message, called this morning and the CSR told me it usually takes 1-3 business days so i should check back on Monday or Tuesday.  Will update soon, I hope i get it!!

Screen shot 2014-05-10 at 9.52.49 AM.png

 

3) Lowes-  Couldn't get this darn card out of my head, so app'ed for the card this morning.  Instant approval of $500, called Credit Solutions right away and asked for $45k because i need to build a house for my cat.  She triple confirmed the amount that i was asking of $45k lol and placed me on hold and ba'am!  countered w/ $12k!!  By far my highest limit, sooo excited!!!

Screen shot 2014-05-10 at 9.48.55 AM.png

 

 

There you have it folks!  Come at me, i'm ready to stir up the forum lol Smiley Wink

 

Hope everyone is doing good!!

 

::edited for typo::

 


If that's your example of trouble, then you should really ramp it up! Smiley Very Happy

 

Nice SL! Congrats!

Message 7 of 27
yudeology101
Senior Contributor

Re: I'M BACK!!! AND READY FOR TROUBLE

Thanks everyone!  Just checked online for NASA and it's showing declined.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 8 of 27
dodgerslv
Valued Contributor

Re: I'M BACK!!! AND READY FOR TROUBLE


@yudeology101 wrote:

Thanks everyone!  Just checked online for NASA and it's showing declined.


Hey buddy!!! welcome back and hope everyting is going good now! well, maybe there is some kind of backdoor number to them and you can have them reconsider but i was reading that they have been know to pull all 3 CBs for their products. Still, congrats on the Merrill and lowes approvals. I really want the Merrill myself but have 45k of personal credit with BofA arleady.

gardening since 5/21/2016
Message 9 of 27
BigBS
Senior Contributor

Re: I'M BACK!!! AND READY FOR TROUBLE

Congrats, yude!  Hopefully the NASA card will work out in your favor.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 10 of 27
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