2015 Surprises

[12njoy]

As we get ready to wind down 2015, I was reflecting back on my 2015 surprises.

1. Chase - I got approved for 7 new Chase cards worth $61,600 after repeatedly being denied an increase on my $10,000 CSP.

2. TD Aeroplan - Originally denied and asked for recon.  Amazingly, I was approved for 22k.  Don't know how but I won't look a gift horse in the mouth.

3. Synchrony - I managed to hit that 100k across 6 cards.

4. BBVA - Originally denied three times on three different applications.  Approved after complaint for 20k at 11.24%.

5. FNBO - Had no idea (until recently) how stringent this bank was.  Approved for three cards this year for a total of 21k.

6. Capital One - Burned them many many many (seems like ages ago) years ago under HSBC.  Fought to no avail to get CO's removed from CRA's.  Approved for four cards at $50,200.

7. Huntington Bank - Approved for Voice card last year for a dismal $500.  Kept the card for one year and closed it because they said they didn't have a cli process in place.  Applied this month and got 12k.

What were your 2015 surprises, if you care to share, and why?

[UncleB]

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@12njoy wrote:

As we get ready to wind down 2015, I was reflecting back on my 2015 surprises.

1. Chase - I got approved for 7 new Chase cards worth $61,600 after repeatedly being denied an increase on my $10,000 CSP.

2. TD Aeroplan - Originally denied and asked for recon.  Amazingly, I was approved.  Don't know how but I won't look a gift horse in the mouth.

3. Synchrony - I managed to hit that 100k across 6 cards.

4. BBVA - Originally denied three times on three different applications.  Approved after complaint for 20k at 11.24%.

5. FNBO - Had no idea (until recently) how stringent this bank was.  Approved for three cards this year for a total of 21k.

6. Capital One - Burned them many many many (seems like ages ago) years ago under HSBC.  Fought to no avail to get CO's removed from CRA's.  Approved for four cards at $50,200.

7. Huntington Bank - Approved for Voice card last year for a dismal $500.  Kept the card for one year and closed it because they said they didn't have a cli process in place.  Applied this month and got 12k.

What were your 2015 surprises, if you care to share, and why?

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I've had several surprises, but the most significant were getting a Discover card and getting two accounts with Amex after burning them both in BK7 15 years ago.  I always assumed both would be forever out of reach! 

[12njoy]

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What were your 2015 surprises, if you care to share, and why?

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I've had several surprises, but the most significant were getting a Discover card and getting two accounts with Amex after burning them both in BK7 15 years ago.  I always assumed both would be forever out of reach! 

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Congrats UncleB on your success

[willwar14]

For me id have to say getting a 25k line at macys with only 10 mons of credit history. Was super shocked.

[12njoy]

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@willwar14 wrote:

For me id have to say getting a 25k line at macys with only 10 mons of credit history. Was super shocked.

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That's huge, congrats

[willwar14]

Actually 10 mons is now, and it got the CLI to 25k about 2 mons ago so really 8 mons. Also 12njoy thank you for all the experiments and advice you have contributed to this forum!!

[Anonymous]

August

CSP $5,000

Slate $3,000

PenFed Promise $2,500 and CLI request before card arrived for $5,000 total $7,500

Amex BCE $6,500

Alliant $2,000 recon SL for $10,000

Nasa $10,000

Barclaycard Ring called verification $5,000

Citi DC $3,000

BoA CR denied called recon $3,600

Sept

BBVA NBA $10,000

CO Venture 1 $10,000

CO QS $5,000

Lowes $3,000 CLI request $25,000 CLI request in Oct $35,000

Oct

All this past week

Fidelity Amex $11,000

Commerce Bank prequal mailer $9,000

Chase IHG pending then approved for $10,000

CO Venture denied

After typing all these it has been a good run and I cannot believe all the cardsI got. I had 4 cc before this Aug and the last app was in 2012 and before that was 2008. My highest CL at Aug was 5k. So, I have done well these last few months. Time to sit back and mature these TL.

[12njoy]

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@willwar14 wrote:

Actually 10 mons is now, and it got the CLI to 25k about 2 mons ago so really 8 mons. Also 12njoy thank you for all the experiments and advice you have contributed to this forum!!

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That's even better.  Is that the Amex version you have?  Thanks for your support.  I have learned just as much from you all as well, so thank you.

[12njoy]

Super congrats on a job well done FutCRNA.  Approvals have a way of brightening up your day.  Next year will bring you bigger and better lines I'm sure.

[Anonymous]

For me 2015 had a few surprises...

How truly horrific my credit was.

Getting approved for a car loan before doing ANY work on my credit. (Albeit at a horrific interest rate to match horrific credit)

Actually getting unsecured credit, even with low limits. They were good to me so I'm good to them.

And it isn't over yet. I'm anxious to see what the last bit of 2015 hold in store.