I finally got all the collections off my report and only left with a few old charge offs still working on but got a ton of inquiries so only way to fix it is Garden anyway decided to app spree before i go in here are the results
Amex Blue Cash ---- Pending ----Update got Approval Email 5000.00 amazed !!!!!!
Well Fargo Rewards-----Pending--Update Approved 1 k
Blispay------ Approved 2k
Citi Double ----- Shot Down Recon also Declined
Chase Freedom---- Shot Down Recon also declined
Mavel Mastercard ---7 to 10 day message .. Recon : Approved 1k limit gonna be rocking Spider-Man
DCU Visa ----- Approved 2k
DCU Auto Finance --- Approved 9k @ 4.5%
Also my Discover Secured Failed to Graduate so i added 200$ to it got a 500 limit now
@howellco2wrote:I finally got all the collections off my report and only left with a few old charge offs still working on but got a ton of inquiries so only way to fix it is Garden anyway decided to app spree before i go in here are the results
Amex Blue Cash ---- Pending
Well Fargo Rewards-----Pending
Blispay------ Approved 2k
Citi Double ----- Shot Down
Chase Freedom---- Shot Down
Mavel Mastercard ---7 to 10 day message sure its denined weird thing is SNYC has given my 10k in credit line increases on store cards
DCU Visa ----- Approved 2k
@DCU Auto Finance --- Approved 9k @ 4.5%
Also my Discover Secured Failed to Graduate so i added 200$ to it got a 500 limit now
Need some advice do you guys think the AE and WF will be denined also since Chase and Citi were ...
Is Blispay a good card ?
Does Chase,Citi or Marvel have a Reconsideration dept or is it a hard No
Chase has the 5/24 rule - no more than five new accounts in the last 24 months. If you're over that, it's an automatic denial. The only way around this is in branch approvals or approvals showing in your account. Forget trying for chase.
Blispay is fine. It takes a few days to post payments though. Also, there are currently NO CLIs available, so you are stuck at your current limit for the foreseeable future.
No idea on WF, as I not do any business with them. Amex, no idea. I've started my Amex relationship with a charge card, wland will go after a revolver later since revolvers seem to have stricter lending requirements.
The Marvel card is not your usual synchrony card. It isn't a store card and seems to have higher criteria sometimes.
Citi can be finicky.
My discover graduated on my eighth statement, not the usual seventh.
I suggest gardening for a minimum of six months. A year would be better.
Thanks for the advice I just got email from Amex was approved
Updated Original Post I guess I'm just dead to CITI and Chase
All Recons done 6 Approvals out of 8 Apps not bad now off to the Garden