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Troublemaker at Work!

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yudeology101
Senior Contributor

Troublemaker at Work!

Hello everyone!

 

So I'm stuck w/ this crazy chic and she's definitely keeping me on my toes at the moment, so my sincere apologies for sneaking my head in different threads from time to time over the past few months Smiley Happy 

 

Anyways,  I had to relieve my stress in some way from this chic...and there was only one thing that came on my mind!  Here we go:

 

1)  Unexpected CLI from Arrival! -  Went from $3.5k to $6.5k!  I've checked my CC spreadsheet and it was only being opened for 4 months!  It was a nice surprise from Barclays, so does it mean that I can request for a WEMC version?  (Currently a Platinum version)  (9/10/14)

 

2) To give my token of appreciation to Barclays for that nice surprise, I pulled the trigger on the Apple Financing card, and was instantly approved for $2k Smiley Happy   This is my 3rd Barclays card in 6months, should I be worried about any AA from them?  Nawwww~  Perfect timing as I've been eyeing on that new iPhone 6 Plus! (9/10/14)

 

3)  Wal-Mart-  My cat told me that she needed a variety of scented litter cause she's so cool like that, so I took the plunge and app'ed for the Wal-Mart card and was instantly approved for $1.1k!!  Got the store version but it's okay, i'm sure it'll grow.  Got the $25 store credit after $75 spend deal, so I'll be buying $100 worth of litter when the card arrives  Smiley Happy   (9/8/14)

 

4)  Jcrew CLI-  Been hitting that luv button + automated call on a weekly basis, but finally it went up from $1.7k to $1.9k!  (9/8/14)

 

5)  Citi AA Gold upgraded to Platinum-  My 1yr anniversary hit, called and the upgrade conversion was done very smoothly.  It would've been nicer if they gave me the CLI, too, but NOPE.

 

---NOW THE BAD --

 

 

6)  US BANK KOREAN AIR Visa Sig-  My 3rd try in 3months, received the dreaded msg and called the backdoor and got the same old' I'm sorry you have too many INQs on your file speech.  Whew.....I WILL NOT GIVE UP, see you next month US Bank!

 

7)  Citi Thank you Premier-  Instantly Denied online, called the EO and went to 2nd manual review.  Lady called back yesterday and said no due to too many INQs on my EX file. Bummer.

 

8)  AMEX SPG-  SP Denial, but it's okay I'll get it one way or the other!  See you next month, SPG lol

 

9)  BOA Virgin Atlantic-  Another Instant denial online, called the EO and she told me that my $8k credit exposure between two cards w/ them was enough for now. I had no urge to keep pushing her for another review cause she sounded like she was having a really bad day and was going to kick someon's rear end.

 

I think....that's about it.   Pretty good outcome overall, impressed w/ my work!   Now let this troublemaker go back to work and stir up some trouble elsewhere today. 

 

101 signing off.

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 32
31 REPLIES 31
Anonymous
Not applicable

Re: Troublemaker at Work!

Congrats on the successes! How many inquiries do you have by the way?

Message 2 of 32
coldnmn
Mega Contributor

Re: Troublemaker at Work!

Smiley Surprised Congrats yude!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 32
peepers
Frequent Contributor

Re: Troublemaker at Work!

So happy for you and your cat! 😸
AMEX Green charge NPSL | NFCU Cashrewards Visa Sig $25,000 | NFCU Navcheck $15,000 | AMEX Everyday $15,000 | Discover IT $19,000 | Amex BCP $18,000 | Cap1 Quicksilver $5000 | Firestone $2,400 I Amex Oasis Optima (recovery card) $500 (closed July 2014)
MyFICO: TU 780, EQ 785 EX 776 Discover TU FICO 780. Rebuilt from 500's....closed on home May 2015!

Message 4 of 32
Goodness
Regular Contributor

Re: Troublemaker at Work!

want the walmart card, but scared my scores arent high enough

EQ 645 EX 651 TU 703 fico 8 (5/15)
MORTAGE SCORES EQ 665 EX 604 TU 688 (5/15)
Goal 700 by end of 2015
Message 5 of 32
pokerpro
Frequent Contributor

Re: Troublemaker at Work!

Yes 

how many inquiries do you have ? 

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Message 6 of 32
BearsAndTurtlesRtheBest
Senior Contributor

Re: Troublemaker at Work!

Yude you are an awesome character!!! Congrats on approvals!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 7 of 32
CreditMagic7
Mega Contributor

Re: Troublemaker at Work!

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Message 8 of 32
chalupaman
Super Contributor

Re: Troublemaker at Work!

You're too good. Congrats on all those approvals and upgrades. Very well deserved. Smiley Happy

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 9 of 32
alvon123
Super Contributor

Re: Troublemaker at Work!

congrats!!!Smiley LOL


Message 10 of 32
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