12-02-2013 02:31 PM
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)
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!
12-02-2013 02:35 PM
Wow Congrats! Time to garden and let your seedlings grow.
12-02-2013 02:44 PM - edited 12-02-2013 02:45 PM
12-02-2013 03:00 PM - edited 12-02-2013 03:02 PM
Thanks! FICO scores were:
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!
12-02-2013 03:10 PM
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 ...???
12-02-2013 04:14 PM
12-02-2013 04:19 PM
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!
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.
12-02-2013 04:22 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.