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That stay in the garden ended quickly

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dabossman
Contributor

That stay in the garden ended quickly

So at the end of feburary i applied and got the Sallie Mae world mastercard and about a week before that i got the AMEX BCE, well today i was bored and knew i shouldn't have apped but i really wanted a dining card, because that is where most of my money goes,  So today i pulled the trigger adn applied for the Chase Freedom,  instnat approval with a very weak 1,200$ limit and a ugly 22.99% apr, they did say i could call and talk to a specialist about the limit

 

NEedless to say i'm good to go for at least another three months without applying for a card, because the only other card i want is the US Bank Cash + and the CSP both of which are out of reach, I'll be doing everything in my power to not app till 2015 and get my scores back up to the 760's they were before my recent app spree

 

So i just looked at it and it looks like they gave me 1200 to make my total availiable credit an even 20K is that something credit companys try and do?

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Message 1 of 7
6 REPLIES 6
alvon123
Super Contributor

Re: That stay in the garden ended quickly

congrats on your approval


Message 2 of 7
MsLadyRover
Valued Contributor

Re: That stay in the garden ended quickly

Congrats!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Message 3 of 7
gdale6
Moderator Emeritus

Re: That stay in the garden ended quickly

They dont try to round out to any specific number of total avail credit, grats on the new card Smiley Happy

Message 4 of 7
coldnmn
Mega Contributor

Re: That stay in the garden ended quickly

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 7
yudeology101
Senior Contributor

Re: That stay in the garden ended quickly

WTG on your approval! 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 6 of 7
-Wade-
Valued Contributor

Re: That stay in the garden ended quickly


@dabossman wrote:

So at the end of feburary i applied and got the Sallie Mae world mastercard and about a week before that i got the AMEX BCE, well today i was bored and knew i shouldn't have apped but i really wanted a dining card, because that is where most of my money goes,  So today i pulled the trigger adn applied for the Chase Freedom,  instnat approval with a very weak 1,200$ limit and a ugly 22.99% apr, they did say i could call and talk to a specialist about the limit

 

NEedless to say i'm good to go for at least another three months without applying for a card, because the only other card i want is the US Bank Cash + and the CSP both of which are out of reach, I'll be doing everything in my power to not app till 2015 and get my scores back up to the 760's they were before my recent app spree

 

So i just looked at it and it looks like they gave me 1200 to make my total availiable credit an even 20K is that something credit companys try and do?


Congrats on your approval Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 7 of 7
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