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Established Contributor
Posts: 756
Registered: ‎01-20-2012
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CC Approval #2 :-)

[ Edited ]

My credit union approved me for their Visa :-)  Not for the $1,500 limit I requested ..... but for $500.   The rate is yucky at 17.9 but she said the do reviews every 6mos so there is a chance for increase of limit and/or decrease of rate at that time.

 

She said my report (EX) showed some derog marks but they looked paid so that was good.    I assume she means the two HSBC COs from 2008 as they do show a 0 balance. 

 

I'm just happy to be 2 for 3 on my mini app spree from the weekend!!!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
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Re: CC Approval #2 :-)

BIG CONGRATS!!!!

You might wanna try JCP out they are easier to get from GE than lowes.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator
Posts: 26,770
Registered: ‎09-13-2012
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Re: CC Approval #2 :-)

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: CC Approval #2 :-)

Congrats!!! :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Contributor
Posts: 797
Registered: ‎05-01-2012
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Re: CC Approval #2 :-)

Congrats!!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
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Re: CC Approval #2 :-)


awdsmama wrote:

My credit union approved me for their Visa :-)  Not for the $1,500 limit I requested ..... but for $500.   The rate is yucky at 17.9 but she said the do reviews every 6mos so there is a chance for increase of limit and/or decrease of rate at that time.

 

She said my report (EX) showed some derog marks but they looked paid so that was good.    I assume she means the two HSBC COs from 2008 as they do show a 0 balance. 

 

I'm just happy to be 2 for 3 on my mini app spree from the weekend!!!


Congratulations.   You are your way.

Established Contributor
Posts: 756
Registered: ‎01-20-2012
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Re: CC Approval #2 :-)

Thanks everyone!  

 

LS-  seeing as Discover and my CU will be doing a review at 6mos I'm wondering if I should wait on that app...especially if they also pull EX - I can't get GE to approve me off of EX for anything it seems like haha. 

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
0

Re: CC Approval #2 :-)

Your fine you got 2 bankcards and need 1 retail card go for it!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: CC Approval #2 :-)

Congrats on the approval! Hope you see some more love around the 6 month mark.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: CC Approval #2 :-)

Congrats


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