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Member
Posts: 21
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: 16,663
Registered: ‎08-08-2011
0

Re: First App Spree - New loot!

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

Regular Contributor
Posts: 191
Registered: ‎04-25-2013
0

Re: First App Spree - New loot!

[ Edited ]

Congrats! Scores?

$22500 Amex BCP / $12000 Chase Sapphire Preferred / $7500 Barclays Arrival+ / $7500 FIA Amex / $7000 Chase Freedom / $2500 Discover It
Member
Posts: 21
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! :smileyhappy:

Regular Contributor
Posts: 191
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 ...???

$22500 Amex BCP / $12000 Chase Sapphire Preferred / $7500 Barclays Arrival+ / $7500 FIA Amex / $7000 Chase Freedom / $2500 Discover It
Senior Contributor
Posts: 9,801
Registered: ‎09-24-2013
0

Re: First App Spree - New loot!

congrats


Epic Contributor
Posts: 22,688
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- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Community Leader
Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013
0

Re: First App Spree - New loot!

Congarts 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Super Contributor
Posts: 5,078
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.

Member
Posts: 21
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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