Reply
Frequent Contributor
Jayb5635
Posts: 327
Registered: ‎08-02-2012
0

Insanely Good Week

So, earlier this week contacted Cap One EO and they took my crappy cap one platinum with its 300 dollar credit line and no rewards and gave it 1% cash back and bumped the credit line to 2k.  Just this past hour, I was approved for the Discover IT(1k), and the Citi Forward(2.5k).  Only missing the amex blue cash and my wallet will be complete.  This has been and continues to be a fun journey returning from the depths of credit hell and being able to share it with you all.



In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $13,500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $5000
Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

Re: Insanely Good Week

Great Job......Congrats!!

*8/10/13
Frequent Contributor
Jayb5635
Posts: 327
Registered: ‎08-02-2012
0

Re: Insanely Good Week

Thnx man !!!  I now join you in the garden, until amex deems me worthy of a blue cash lol.



In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $13,500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $5000
New Contributor
jacquelinemay9
Posts: 60
Registered: ‎02-12-2013
0

Re: Insanely Good Week

Very nice! I'm jealous of your CSP!!! I, too have had an amazing week. Before monday the only card I had was a Cap One $750!!! Maybe I will contact the EO regarding my toy limit and annual fee. How will you know you're ready for blue cash? I'm also interested in this card, but don't want to press my luck. For my freedom card, chase pulled TU and EQ. I wonder if this is usual for them?? Anyhow, congratulations on your new cards!!!

Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
0

Re: Insanely Good Week

Congrats!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Frequent Contributor
Jayb5635
Posts: 327
Registered: ‎08-02-2012
0

Re: Insanely Good Week

Check the boards here there's and in-depth guide as to how to go about dealing with the Cap One EO.  Everyone, myself included, seem to have tremendous success with them.  As far the blue cash, I already have a zync, and whenever I apply they will pull my experian, which happens to be the weakest of my 3 reports.  At last check my plus score was 676.  Therefore I will have to garden for a while, let accounts age some more months before applying again.



In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $13,500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $5000
Valued Contributor
dodgerslv
Posts: 1,841
Registered: ‎06-16-2012
0

Re: Insanely Good Week

Very nice and congrats!!! I am leaning towards contacting Cap1 E.O this coming week. Have been stuck at 750 for over a year.


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Frequent Contributor
Jayb5635
Posts: 327
Registered: ‎08-02-2012
0

Re: Insanely Good Week

You should def give it a shot.  I was on the verge of cancelling the card, even tho that cap one is now my oldest card.  I had no use for it.  Altho in fairness, I probably won't use it much regardless lol.



In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $13,500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $5000
New Contributor
jacquelinemay9
Posts: 60
Registered: ‎02-12-2013
0

Re: Insanely Good Week

I will have to try that EO once all my new (higher) limits post. So since you already have zync, amex will only sp your report? Or will it be a hp? AND they will backdate it, correct? I totally should have gotten that unicorn when I had the chance...

Frequent Contributor
Jayb5635
Posts: 327
Registered: ‎08-02-2012
0

Re: Insanely Good Week

When you're a cardmember and you attempt to apply for another card, the general rule of thumb is soft pull if denied, hard pull if approved.  I got the zync because I like the flexibility of the charge card, and 25 dollar annual fee was worth it to me to build a relationship with amex.  Also yes, they backdate which is awesome.  So say they approve me for blue cash this year.  It'll be backdated to 2012 when I acquired the zync.



In my wallet: Amex Platinum NPSL, Amex Everyday Preferred $13,500, Amex Starwood $1000, Chase Freedom Visa Signature $5000, Chase Sapphire Preferred Visa Signature $10,000, Chase Ink Plus Visa Signature $5000 Barclaycard Arrival Plus MasterCard World Elite $5000, Cap One Quicksilver MasterCard $2000, Citi Forward Visa $5300, Discover IT $5000

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}