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Mini app spree after closing -update

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Jerry45
Valued Contributor

Re: Mini app spree after closing

Congrats. Smart move on Cap 1. You saved 3 Hard Pulls.

Message 11 of 20
sumthin28
Valued Member

Re: Mini app spree after closing


@lonelyisland wrote:
"2nd app was for Discover..they prequalified me for 1 card but downgraded me to the IT card when I applied"

What card did you think you were applying for?

I honestly dont know. I used the pre qualify think and it matched me to what I thought was an IT card.. So I applied and i got the message unfortunatly we cannot approve you but we do have an offer for you scroll down to accept the adjusted offer..something along those lines anyway. Maybe it was an IT card but with a better interest rate I was applying for? I'm not sure but I was approved for an IT card, but the message said my limit will come with the card 5-7 days   

 

Thanks for the support everyone. I have come a long way in a bit over a year..apparently even further then I thought I had, and I know I owe so much to the members here. So many knowledgeable people who are very supportive. Thanks again!

Starting Score 520
Current Score 649 Ex 658 Eq 665 Tu
Goal 700
AmEx everyday 1000 Boa travel rewards !000 Barclays 1300 Chase Freedom 3500 DiscoverIT 1400 Cap 1 Quicksilverone 300 Wallmart 600 Lowes 300 Paypal 500
Message 12 of 20
lonelyisland
Frequent Contributor

Re: Mini app spree after closing

That makes sense. I think the prequalify shows everyone the it card with 14 months @0% APR, then I think might offer different terms based on credit. Its a great card Smiley Happy

Message 13 of 20
BluePoodle
Valued Contributor

Re: Mini app spree after closing

Congrats on your new CL's and new home!

CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
Message 14 of 20
sumthin28
Valued Member

Re: Mini app spree after closing

Guys I don't beleive this. I was so happy about those results I decided to try for another.

I aplied for the Chase Slate figuring I might have those 2 pulls from chase combined if I get lucky.. I got the 30 days message. I assume I will be declined. I go tcurious and checked for Amex prequalifications and did not get any offers as expected. I decided to apply for the Amex Everyday anyway because this day has already been so great. Lonest review loading screen ever ...after over 2 minutes I got the congratulations screen!! OMG I justy got an AMEX. I honestly don't think I have any business getting approved for this card this is nuts. I guess i'll be able to log in and learn my credit limit tomorrow. Best Day Ever!

Starting Score 520
Current Score 649 Ex 658 Eq 665 Tu
Goal 700
AmEx everyday 1000 Boa travel rewards !000 Barclays 1300 Chase Freedom 3500 DiscoverIT 1400 Cap 1 Quicksilverone 300 Wallmart 600 Lowes 300 Paypal 500
Message 15 of 20
Stanic413
Regular Contributor

Re: Mini app spree after closing


@sumthin28 wrote:

Guys I don't beleive this. I was so happy about those results I decided to try for another.

I aplied for the Chase Slate figuring I might have those 2 pulls from chase combined if I get lucky.. I got the 30 days message. I assume I will be declined. I go tcurious and checked for Amex prequalifications and did not get any offers as expected. I decided to apply for the Amex Everyday anyway because this day has already been so great. Lonest review loading screen ever ...after over 2 minutes I got the congratulations screen!! OMG I justy got an AMEX. I honestly don't think I have any business getting approved for this card this is nuts. I guess i'll be able to log in and learn my credit limit tomorrow. Best Day Ever!



Congrats on the cards and the house!  Keep us posted on limits!  

18k10k7.6k10k10k5k5.6k1.7k2k
Federal CU PLOC: $5k
Scores, Dec. 2014- TU: 755 EX: 763 EQ: 757
Last App: 12/8/14. In the garden until Jan 2016, getting "mortgage" ready.
Message 16 of 20
DarkMoonLily
Frequent Contributor

Re: Mini app spree after closing

Congrats with all your approvals!



2019 Goals: Garden and Clean up Credit Reports!!!
2020 Goals: Get a Secured Card and Auto Loan.
Message 17 of 20
Tony275
Valued Contributor

Re: Mini app spree after closing

Congrats!! Did you JUST close? Or is this with your mortgage posting to your credit in good standing? Mine took about 1.5 months from closing date to the time my mortgage was showing on my credit reports!

Starting Score: (June 2014) TU08: 663 | EQ04: 640 | EX08: 685
Current Score: TU08: 757 | EQ04/08: 757/758 | EX08: 761
Goal Score: 800 across the board

Total Credit Line - $186,050 | Utilization - 16.8%
Message 18 of 20
alvon123
Super Contributor

Re: Mini app spree after closing

congrats


Message 19 of 20
sumthin28
Valued Member

Re: Mini app spree after closing

I applied for the cards literally an hour after closing, so no the mortgage is not on my reports.

Starting Score 520
Current Score 649 Ex 658 Eq 665 Tu
Goal 700
AmEx everyday 1000 Boa travel rewards !000 Barclays 1300 Chase Freedom 3500 DiscoverIT 1400 Cap 1 Quicksilverone 300 Wallmart 600 Lowes 300 Paypal 500
Message 20 of 20
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