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AT&T Universal Card Has Been Approved!!!!!

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Ron1
Super Contributor

AT&T Universal Card Has Been Approved!!!!!

I applied for AT&T Universal Card a few weeks ago. It was denied due to too many inquiries.  They pulled both EXP and EQ. I read somone's message to recon by calling EO office. I called the Executive Office in NY. and they transferred to Bankcard Serives in SD. She asked a few question to recon the application about the income. She told me she would call me yesterday. She didn't call me yesterday. She called me this morning. She couldn't approve tthe application because I have reached the max amount of Citi accounts to open another account. She told me that she could take the portion of  one of my Citicards accounts to open it. I told her to take $5K from Citi Cash Returns Platinum MC. 

 

 

Ron.

Message 1 of 22
21 REPLIES 21
09Lexie
Moderator Emerita

Re: AT&T Universal Card Has Been Approved!!!!!

Message 2 of 22
Ron1
Super Contributor

Re: AT&T Universal Card Has Been Approved!!!!!


@09Lexie wrote:
Congrats...so, what's that 110? Smiley Happy

Thanks!!!! 108. Smiley Happy

 

 

Ron.

Message 3 of 22
09Lexie
Moderator Emerita

Re: AT&T Universal Card Has Been Approved!!!!!

Message 4 of 22
Laugh
Frequent Contributor

Re: AT&T Universal Card Has Been Approved!!!!!

Has any underwriter questioned you as to why you decided to acquire so many accounts?

I know I probably would if I was an underwriter.
Cards: CSP 6k, Chase Freedom 6k, BCP 7.5k, Sallie Mae 8.9k, Discover 5k, BOFA Better Rewards 3.8k
Message 5 of 22
Ron1
Super Contributor

Re: AT&T Universal Card Has Been Approved!!!!!


@Laugh wrote:
Has any underwriter questioned you as to why you decided to acquire so many accounts?

I know I probably would if I was an underwriter.

She didn't. Barclays did.

 

 

Ron.

Message 6 of 22
Ron1
Super Contributor

Re: AT&T Universal Card Has Been Approved!!!!!


@09Lexie wrote:
Your wallet must be a binder!

I only bring a few in my wallet. The rest of them stays at home.

 

 

Ron.

Message 7 of 22
09Lexie
Moderator Emerita

Re: AT&T Universal Card Has Been Approved!!!!!

Why do I have a visual of your credit cards having their own room? Smiley Happy
Message 8 of 22
injustifiiable
Valued Contributor

Re: AT&T Universal Card Has Been Approved!!!!!

Gee Mr. Ron.

 

How many cards do you have?

 

Excel spreadsheet? lol.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 9 of 22
myjourney
Super Contributor

Re: AT&T Universal Card Has Been Approved!!!!!

Congrats 

I must have missed one thought it was 107...Smiley Sad

So I know how you must feel at times....Lol

Congrats on the one I missed tooSmiley Happy

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 22
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