04-26-2014 09:20 PM
So after getting a pre-approval for Citi Diamond Preferred for $5500 the other day, I decided to pull my scores, EX: 720, EQ:712, TU: 652
So I figured since I've been gardening for the past 10 months I might as well app a couple times see what I can get.
Started by calling my CU and requesting a CLI of $2500 (currently was $1000)... 1 hour later, approved!
Then checked the card offers on Discover, and based on a soft pull it recommended the IT card... before I was never getting recommendations! So I apped, and got the 5-7 business days stuff. Went to dinner and called them when I got back, (as I was on the phone with them another rep called me from there haha) Anyways, rep just asked me about my job then asked why I wanted the card.... Approved $2500 limit!
I also always wanted the total rewards visa as I play poker almost everyday, and go to Reno and Vegas a lot but never got the pre-approved app before. But logged in today and bam pre-approved with a soft pull only with a $5000 limit!
Went to sportsman guide as well since I was never getting a popup there before, and got the popup for the visa card there as well. No idea what the limit is hopefully it will be at least $2500.
Well from the high 400s FICO 9~10 months ago and now this is where I am today! My app spree is over. Back to the garden... 6 credit cards and one auto loan did the trick in improvement, hopefully the sock drawer rotation with the additional cards will help more!
Congrats on your success
04-28-2014 02:35 PM
Wow GE and Comenity report fast! It's only been 3 days and they all hit my credit report already! I don't even have the cards yet....
But at least I know what my sportsman guide visa limit is now.... $8000! My highest limit yet!
04-28-2014 02:38 PM
What's the exact relationship between getting that Visa and playing poker?
04-28-2014 02:39 PM
congrats on the great run!! i too play poker and go to vegas a lot.. im in SoCal.. I also just got the total rewards card last week!! Again congrats on the new cards and good luck at the tables!!
04-28-2014 02:41 PM
Ahh the poker question. I play a whole lot of tournaments, mostly local here in the bay area. So far I've won about 30k in tournaments this year. I like the total rewards visa and always wanted it since I do go to reno/vegas and visit harrah's properties quite a bit so I figured it would be a win win for me to have that card.
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.
* 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.
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.