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Regular Contributor
ImprovingYouth
Posts: 154
Registered: ‎09-21-2012
0

App Spree...

Ok so heres the deal, went to go buy myself a new MacBook Pro with Retina at BestBuy on saturday, and when I got there the gentleman asked if I wanted to apply for the 0% financing. I was not planning on applying but I was paying about 2500 for the computer so I figured why not.

 

I was approved for $1000, 0% store card for first 18 months.

 

After apping for that I figured why not throw a couple more out there, apped for Capital One, approved for $300 limit (this sucks!). Apped for Discover IT, was approved but I do not know the limit as of yet, (will update!). Lastly I apped for Wal-Mart CC so I can utilize the free tansunion report once a month, they gave me the good old 7-10 business day response, I think the message said something about verification, so I will update on this as well.

 

Scores for Tansunion and Equifax were floating around 630-640 (only reason they are so low is mix up about student loan repayment caused 90 lates on 2 separate accounts, OUCH!) last I checked, not sure about experian. AAoA is around 1 year 6 months. Income is around 30k. Currently have 2 credit cards, one with Credit One (at time of application thought it was Capital One lol how wrong I was) limit of 400, and NASA FCU Visa Platinum Secured Card for $500.

 

I will be calling for credit limit increases on the 3 cards approved so far. Didnt plan on apping for anything else, but any suggestions are welcome! Additonally I work at NASAFCU so any questions about lending/CCs or anything for them I can generally answer.

Age: 22 //Cards: Chase Freedom, Chase Amazon Visa, Discover IT, CreditOne, CapOne Quicksilver, CapOne Cash, Walmart, Barclaycard, Citibank BestBuy, NavyFederal Visa Signature cashRewards //AAoA: 1 Year 3 Months (but going down quickly :smileytongue:) //CK:692, Sesame:656
Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

Re: App Spree...

Congrats!

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Frequent Contributor
CreditWorld2013
Posts: 346
Registered: ‎02-01-2012
0

Re: App Spree...

[ Edited ]

Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked :smileylol: Therfore, I recommend you go into the garden at once and hope that when these new accounts start reporting the bear doesn't eat you :smileysurprised:

 


Edit: Lack of sleep + Assumption = Disregard Barclay comment and continue the happy dance. 

Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
0

Re: App Spree...

congrats on the approvals


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU DISCOVER FICO 743 LENDER PULL 9/24/2014 EQ FICO 751 EXPERIAN 757
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $10,000 KAWASAKI GOOD TIMES CARD $21,000
Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

Re: App Spree...


CreditWorld2013 wrote:

Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked :smileylol: Therfore, I recommend you go into the garden at once and hope that when these new accounts start reporting the bear doesn't eat you :smileysurprised:


Best Buy's financing is backed by Capital One. No Barclay's AA bear to worry about! :smileyhappy:

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Frequent Contributor
CreditWorld2013
Posts: 346
Registered: ‎02-01-2012
0

Re: App Spree...

[ Edited ]

injustifiiable wrote:

CreditWorld2013 wrote:

Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked :smileylol: Therfore, I recommend you go into the garden at once and hope that when these new accounts start reporting the bear doesn't eat you :smileysurprised:


Best Buy's financing is backed by Capital One. No Barclay's AA bear to worry about! :smileyhappy:


Silly me- I need some sleep! I just assumed that 18 Month 0%  financing offer was the one that Barclay's Offers :smileyvery-happy:

Regular Contributor
ImprovingYouth
Posts: 154
Registered: ‎09-21-2012
0

Re: App Spree...


injustifiiable wrote:

CreditWorld2013 wrote:

Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked :smileylol: Therfore, I recommend you go into the garden at once and hope that when these new accounts start reporting the bear doesn't eat you :smileysurprised:


Best Buy's financing is backed by Capital One. No Barclay's AA bear to worry about! :smileyhappy:


Ahhhh, maybe thats why the approval for Capital One was for only 300.. thanks on the Congratz guys!

Age: 22 //Cards: Chase Freedom, Chase Amazon Visa, Discover IT, CreditOne, CapOne Quicksilver, CapOne Cash, Walmart, Barclaycard, Citibank BestBuy, NavyFederal Visa Signature cashRewards //AAoA: 1 Year 3 Months (but going down quickly :smileytongue:) //CK:692, Sesame:656
Frequent Contributor
WallyxD
Posts: 273
Registered: ‎10-02-2012
0

Re: App Spree...


ImprovingYouth wrote:

Ok so heres the deal, went to go buy myself a new MacBook Pro with Retina at BestBuy on saturday, and when I got there the gentleman asked if I wanted to apply for the 0% financing. I was not planning on applying but I was paying about 2500 for the computer so I figured why not.

 

I was approved for $1000, 0% store card for first 18 months.

 

After apping for that I figured why not throw a couple more out there, apped for Capital One, approved for $300 limit (this sucks!). Apped for Discover IT, was approved but I do not know the limit as of yet, (will update!). Lastly I apped for Wal-Mart CC so I can utilize the free tansunion report once a month, they gave me the good old 7-10 business day response, I think the message said something about verification, so I will update on this as well.

 

Scores for Tansunion and Equifax were floating around 630-640 (only reason they are so low is mix up about student loan repayment caused 90 lates on 2 separate accounts, OUCH!) last I checked, not sure about experian. AAoA is around 1 year 6 months. Income is around 30k. Currently have 2 credit cards, one with Credit One (at time of application thought it was Capital One lol how wrong I was) limit of 400, and NASA FCU Visa Platinum Secured Card for $500.

 

I will be calling for credit limit increases on the 3 cards approved so far. Didnt plan on apping for anything else, but any suggestions are welcome! Additonally I work at NASAFCU so any questions about lending/CCs or anything for them I can generally answer.


Did you app for Discover It for Students? If so, what was your AI?

AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)
Frequent Contributor
CreditWorld2013
Posts: 346
Registered: ‎02-01-2012
0

Re: App Spree...

Have you contacted Discover to find out the Credit Line? 

Regular Contributor
ImprovingYouth
Posts: 154
Registered: ‎09-21-2012
0

Re: App Spree...

[ Edited ]

WallyxD wrote:

ImprovingYouth wrote:

Ok so heres the deal, went to go buy myself a new MacBook Pro with Retina at BestBuy on saturday, and when I got there the gentleman asked if I wanted to apply for the 0% financing. I was not planning on applying but I was paying about 2500 for the computer so I figured why not.

 

I was approved for $1000, 0% store card for first 18 months.

 

After apping for that I figured why not throw a couple more out there, apped for Capital One, approved for $300 limit (this sucks!). Apped for Discover IT, was approved but I do not know the limit as of yet, (will update!). Lastly I apped for Wal-Mart CC so I can utilize the free tansunion report once a month, they gave me the good old 7-10 business day response, I think the message said something about verification, so I will update on this as well.

 

Scores for Tansunion and Equifax were floating around 630-640 (only reason they are so low is mix up about student loan repayment caused 90 lates on 2 separate accounts, OUCH!) last I checked, not sure about experian. AAoA is around 1 year 6 months. Income is around 30k. Currently have 2 credit cards, one with Credit One (at time of application thought it was Capital One lol how wrong I was) limit of 400, and NASA FCU Visa Platinum Secured Card for $500.

 

I will be calling for credit limit increases on the 3 cards approved so far. Didnt plan on apping for anything else, but any suggestions are welcome! Additonally I work at NASAFCU so any questions about lending/CCs or anything for them I can generally answer.


Did you app for Discover It for Students? If so, what was your AI?


Well not 100% sure but nowhere on the application did I put I was a student, although I currently am a fulltime student and fulltime employment. So pretty sure it was the regular one.

Age: 22 //Cards: Chase Freedom, Chase Amazon Visa, Discover IT, CreditOne, CapOne Quicksilver, CapOne Cash, Walmart, Barclaycard, Citibank BestBuy, NavyFederal Visa Signature cashRewards //AAoA: 1 Year 3 Months (but going down quickly :smileytongue:) //CK:692, Sesame:656

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