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Established Member
Posts: 26
Registered: ‎11-14-2013
0

First App Spree - New loot!

I've been lurking around for quite a while and spent months reading/learning and paying down my current (mostly useless) old cards in prep for a spree to thicken my credit profile. My last app was probably 5+ years ago and it was mostly just for a quick amazon discount. Well, here are my results in order of application:

 

US Bank Cash+: 6,500 limit (instant approval)

Amex BCP: $5k (instant approval)

Chase Freedom: $2500 limit (instant approval)

Barclay Arrival: $5k (instant approval)

 

Denied:

Quicksilver (No AF)

 

I knew I was pushing it with the Quicksilver, but I figured I'd see what I could get away with. Probably set off a red flag with that last app. All in all I'd say it was a successful day and I'll be gardening for quite a while. Thanks for all your wealth of knowledge!

Mega Contributor
Posts: 16,747
Registered: ‎08-08-2011
0

Re: First App Spree - New loot!

Wow Congrats! Time to garden and let your seedlings grow.

Regular Contributor
Posts: 199
Registered: ‎04-25-2013
0

Re: First App Spree - New loot!

[ Edited ]

Congrats! Scores?

$26500 Amex EDP / $20000 Merrill+ / $12000 Chase Sapphire Preferred / $12000 Chase British Airways / $7500 Barclays Arrival+ / $7500 FIA Amex / $7500 Paypal Extras MC / $7000 Chase Freedom / $3500 Discover It
Established Member
Posts: 26
Registered: ‎11-14-2013
0

Re: First App Spree - New loot!

[ Edited ]

Thanks! FICO scores were:

 

EX: 671

TU: 682

EQ: 688

 

I had 2 inqueries (just moved a couple months ago so the aprtment did a HP as did the cable company). 0% util across 3 cards, my AAoA was about 7 years, 0 lates, 1 two year old paid medical collection of $121. I also had an auto loan with a remaining $11k remaining balance with US Bank. I thought for sure I'd have to do a lot of recon with some of these cards. Just in time for the holiday shopping to get some of those bonuses! Smiley Happy

Regular Contributor
Posts: 199
Registered: ‎04-25-2013
0

Re: First App Spree - New loot!

Thanks for that. My EQ is usually the lowest of the three. Congrats again, but it looks like you're not eligible for Amex 3X CLI ...???

$26500 Amex EDP / $20000 Merrill+ / $12000 Chase Sapphire Preferred / $12000 Chase British Airways / $7500 Barclays Arrival+ / $7500 FIA Amex / $7500 Paypal Extras MC / $7000 Chase Freedom / $3500 Discover It
Senior Contributor
Posts: 10,080
Registered: ‎09-24-2013
0

Re: First App Spree - New loot!

congrats

.
Epic Contributor
Posts: 25,210
Registered: ‎10-23-2007
0

Re: First App Spree - New loot!

I would call 800-955-1455 to cap1 exec office and ask for recon of denial... tell them everyone else approved and you were hoping cap1 would be your daily use card!

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
Community Leader
Senior Contributor
Posts: 27,327
Registered: ‎02-07-2013
0

Re: First App Spree - New loot!

Congarts 

+ Chase ink =




Community Leader
Super Contributor
Posts: 7,315
Registered: ‎09-22-2012
0

Re: First App Spree - New loot!


Creditaddict wrote:

I would call 800-955-1455 to cap1 exec office and ask for recon of denial... tell them everyone else approved and you were hoping cap1 would be your daily use card!


+1

 

You took the (3) HP, might as well try to get an approval out of it.  Congrats on the other approvals, you wound up with some great cards.

Established Member
Posts: 26
Registered: ‎11-14-2013
0

Re: First App Spree - New loot!

Is there some sort of script I should follow here. I gave that number a call and they refused to even look at my app or recon stating I'd get a letter in the mail telling me why I was denied. I'm certainly new to this so I don't know what the magic words here should be.
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