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So I've been planning a trip to France and wanted a TRUE Chip + Pin (Online AND Offline) card to make traveling easier.
I've not really wanted to app for another card, but I also wanted to have all my cards age together, so I'm finally DONE! DONE! with app'ing.
Approved: FirstTech Odyseey Rewards World Elite Masterard
APR: 11.99% (Lowest they offer)
SL: $50,000.00
You'll find me in the garden for the rest of my life.
@RicHowe wrote:So I've been planning a trip to France and wanted a TRUE Chip + Pin (Online AND Offline) card to make traveling easier.
I've not really wanted to app for another card, but I also wanted to have all my cards age together, so I'm finally DONE! DONE! with app'ing.
Approved: FirstTech Odyseey Rewards World Elite Masterard
APR: 11.99% (Lowest they offer)
SL: $50,000.00
You'll find me in the garden for the rest of my life.
i would say congrats but i have to find my jaw cause it fell on the floor! lol
Congrats on the new card and huge SL! Any datapoints you can provide such as inquiries, AAoA, income, etc. you might be willing to share? Finding info on this card like I mentioned before on the garden thread is like pulling teeth lol.
Datapoints:
CRA: Pulled Experian only
Fico8 Score (as of my last refresh): 735
AAoA: Probably less than 7 years (after this approval) Oldest 2003 (Closed Cap One) - 5 Cards opened over the past 3 months
INQs: Experian 4 HPs (last 3 months)
No Baddies/Delinquencies/Public Records
No more apps again ever (even the new AMEX Marriot card)!
@RicHowe wrote:Datapoints:
CRA: Pulled Experian only
Fico8 Score (as of my last refresh): 735
AAoA: Probably less than 7 years (after this approval) Oldest 2003 (Closed Cap One) - 5 Cards opened over the past 3 months
INQs: Experian 4 HPs (last 3 months)
No Baddies/Delinquencies/Public Records
No more apps again ever (even the new AMEX Marriot card)!
These two datapoints are very interesting to me because I'm trying to plan my next app spree and researching it has me reorganizing which apps get priority over others. Seems like FT doesn't much care for recent pulls/accounts opened which is good in my case; means it can be one of the last ones to app.
Had to provide any POI/IV to get that limit?
No kidding @AverageJoesCredit
In October I had NO credit or charge cards! I'm not sure why things fell into place, but the 9 years I had no credit taught me to budget, save money and live within my means. I pay in full and have my written budget on my refrigerator door. I'm an outlier as far a datapoints are concerned, and I know it. Those 9 years made sure I had a clean report before I jumped back in the pool with my head screwed on straight.
I'm pulling for you too, brother. We'll get there together.
@simplynoir wrote:
@RicHowe wrote:Datapoints:
CRA: Pulled Experian only
Fico8 Score (as of my last refresh): 735
AAoA: Probably less than 7 years (after this approval) Oldest 2003 (Closed Cap One) - 5 Cards opened over the past 3 months
INQs: Experian 4 HPs (last 3 months)
No Baddies/Delinquencies/Public Records
No more apps again ever (even the new AMEX Marriot card)!
These two datapoints are very interesting to me because I'm trying to plan my next app spree and researching it has me reorganizing which apps get priority over others. Seems like FT doesn't much care for recent pulls/accounts opened which is good in my case; means it can be one of the last ones to app.
Had to provide any POI/IV to get that limit?
No POI/IV so far. We'll see if there are any questions from the CU before I get the card.
@RicHowe wrote:
@simplynoir wrote:
@RicHowe wrote:Datapoints:
CRA: Pulled Experian only
Fico8 Score (as of my last refresh): 735
AAoA: Probably less than 7 years (after this approval) Oldest 2003 (Closed Cap One) - 5 Cards opened over the past 3 months
INQs: Experian 4 HPs (last 3 months)
No Baddies/Delinquencies/Public Records
No more apps again ever (even the new AMEX Marriot card)!
These two datapoints are very interesting to me because I'm trying to plan my next app spree and researching it has me reorganizing which apps get priority over others. Seems like FT doesn't much care for recent pulls/accounts opened which is good in my case; means it can be one of the last ones to app.
Had to provide any POI/IV to get that limit?
No POI/IV so far. We'll see if there are any questions from the CU before I get the card.
Assuming without prying too much your income is 6 figures? Trying to see what I could expect SL wise.
@simplynoir wrote:
@RicHowe wrote:
@simplynoir wrote:
@RicHowe wrote:Datapoints:
CRA: Pulled Experian only
Fico8 Score (as of my last refresh): 735
AAoA: Probably less than 7 years (after this approval) Oldest 2003 (Closed Cap One) - 5 Cards opened over the past 3 months
INQs: Experian 4 HPs (last 3 months)
No Baddies/Delinquencies/Public Records
No more apps again ever (even the new AMEX Marriot card)!
These two datapoints are very interesting to me because I'm trying to plan my next app spree and researching it has me reorganizing which apps get priority over others. Seems like FT doesn't much care for recent pulls/accounts opened which is good in my case; means it can be one of the last ones to app.
Had to provide any POI/IV to get that limit?
No POI/IV so far. We'll see if there are any questions from the CU before I get the card.
Assuming without prying too much your income is 6 figures? Trying to see what I could expect SL wise.
The MAX CL on this card is actually $100,000.00 so I fell in the middle CL for this card if you can believe it! Income $150k