Credit Cards Center Credit cards from our partners
Reply
Moderator
Posts: 9,038
Registered: ‎08-12-2013

How to Make Great Approvals Posts!

[ Edited ]

The CC Approval Board is a great place to share and learn about successful CLIs and approvals of new cards.   We encourage members to share (and respond to) all success stories!  We also enjoy when members include relevant information about their own credit profile, their APRs and CLs, and reports that are pulled (or not pulled) in the process.  

 

 

So how can we make this Board valuable for all members?  What makes a great approval post?

 

1.  Individual accomplishments deserve individual responses.   Bearing this in mind, we encourage not only unique stories, but also unique responses.  For example, in a thread titled "AMEX BCE Approved", a response of "congrats on AMEX" is more specific than "congrats" while being nearly as concise.  Should you have specific questions about the product, the CCC, or the OP's relevant information, we definitely encourage you to ask.  If you have similar experiences, share and discuss.  

 

2.  Be supportive.   Include encouraging responses, and remember that there are no small victories here.  A $250 store card approval to a rebuilder is every bit as valuable as the $25K approval for those with excellent credit (I know--I've experienced both!).  

 

3.  Be specific, when possible.   Any information shared could help those with similar profiles or considering the products.   Consider these ideas:   What product did you get?   What CRs were pulled?   What is your FICO score (if known)?   Are you willing to share any other info about your credit profile (UTIL, income, "baddies", etc).   What made you consider this product?   For CLIs, when was your last one?  Was your CLI an HP or SP?  Did you have a prior product/relationship with the lender?   If the product isn't well-known, could you tell us more about it?  

 

If you are responding, you may also want to ask about these topics if you don't see an answer already given; OPs may provide more information at their discretion.

 

Hopefully, these suggestions help you have a better experience in the Approvals Board!  Thank you for helping make the myFICO Forums a great community!

 

 

(As a side note, an earlier sticky thread addressed a very specific concern regarding mass posts; dozens of one-word responses would be posted over numerous threads in a short period of time solely as a means to boost post count.   Mass responses that interfere with the function of the board may, at moderator discretion, be considered "thread-bombing" and in violation of the Forum TOS.  As always, we encourage specific responses over generic ones.)   

 

 



Start: 619 (TU08, 9/2013) | Current: 774 (TU08, 5/3/17)
Sam's Club MC $25000 | AMEX BCE $20400 | Discover IT $18000 | BoA BBR #1 $17200 | Cap 1 QS WMC $16500 | NFCU CLOC $15000 | JCP $15000 | BofA BBR #2 $11800 | Chase Disney Visa $11500 | Care Credit $10200 | CashForward WMC $10000 | WCU Visa $10000 | Marvel MC $10000 | Macy's AMEX $10000 | Macy's Store $10000 | Citi DC $9600 | Cash+ VS $9000 | Amazon Store $8000 | Blispay $7500 | Barclay Rewards WMC $6500 | Sony Card $4250 | Target $1900 | Costco Anywhere $1700 | ~~Gardening Since 4/5/16
Established Contributor
Posts: 520
Registered: ‎02-12-2015

Re: How to Make Great Approvals Posts!

Thanks! I totally agree with everything you said. This board is meant to be supportive of every little milestone....small or large....builder or prime cards, etc. I have been taken back by some of the mean spiritedness of some posts. This board is meant to share our joy. Not to tear someone down. Thank you for posting this.😊
Frequent Contributor
Posts: 377
Registered: ‎02-19-2016

Re: How to Make Great Approvals Posts!

[ Edited ]

@SunriseEarth couldn't agree more, there are no small victories in this game. We shoudld always be looking for ways to help each other lift each other up. Congrats are important but should be more than "Congrats" a few extra key strokes can make a big difference. With approval posts from newer members and younger credit profiles...Those of us who have been up and down the road and back again should try to offer some insight or tip to help that member make the most of the new approval. I know personally, that my rebuild wouldn't have been nearly as successful or rewarding without help and insight from so many on this forum.


Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $270,750
Highlighted
Moderator
Posts: 9,038
Registered: ‎08-12-2013

Re: How to Make Great Approvals Posts!

I have closed further comments on this thread temporarily.   Please feel free to PM me or any Mod if you have any questions or feedback regarding the suggestions above.   Remember that these are suggestions to help achieve positive interaction on this Board.

 

Also worth mentioning...the Kudos function is another great way to acknowledge accomplishments, and it doesn't involve any typing at all!   If you want to congratulate others but have limited time/words, Kudos is a great feature that says a lot without saying a thing.  



Start: 619 (TU08, 9/2013) | Current: 774 (TU08, 5/3/17)
Sam's Club MC $25000 | AMEX BCE $20400 | Discover IT $18000 | BoA BBR #1 $17200 | Cap 1 QS WMC $16500 | NFCU CLOC $15000 | JCP $15000 | BofA BBR #2 $11800 | Chase Disney Visa $11500 | Care Credit $10200 | CashForward WMC $10000 | WCU Visa $10000 | Marvel MC $10000 | Macy's AMEX $10000 | Macy's Store $10000 | Citi DC $9600 | Cash+ VS $9000 | Amazon Store $8000 | Blispay $7500 | Barclay Rewards WMC $6500 | Sony Card $4250 | Target $1900 | Costco Anywhere $1700 | ~~Gardening Since 4/5/16

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.