10-06-2012 02:28 PM
Well done, and congrats. Enjoy your success!
10-06-2012 10:34 PM - edited 10-06-2012 10:35 PM
So I am super excited! I got approved for all the cards I wanted. I have such a short credit history, that I thought it would not be possible. I really love Chase, not only because of my approval but because of their CS. Chase and Discover are now my favorite. I didn't get super high limits, but I just turned 21 and have 2 years of history & a 734 FAKO, so I'm content. Listed below are the cards I applied for:
Chase Sapphire Preffered MC > $5,000 [40,000 Points]
Chase Hyatt Visa Signature > $5,900 [Two free nights]
Amex Hilton > $3,000 [50,000 Hiton Points]
Citi Hilton (2) > $3,500 [50,000 Hiton Points]
Barclay > $2,500 [$200] (Missed the deadline for the $400, I'm a little ticked )
I'm just amazed that Chase extended me so much credit (I also have their Freedom card) I'm definately going to make their cards my Daily Drivers. Thanks to all the previous advice and thoughts! Into the Garden I go!
What were your previous cards, and how long have you had them? What limits are they at, and how did the increases progress?
I also just turned 21, but I just have 1 year 5 months of history. My FAKO is at 750, but I have 9 inquires in the last 2 year and a 9 month AAoA. My income isn't too great either, but I am hoping to get some cards to garden after a few inquiries age off. What are your thoughts?
Congrats on the app success!
10-06-2012 10:42 PM
10-06-2012 10:49 PM
Hey, Thanks! My Previous Cards and their respective app dates [month/year] are: Bank of America Amex (8/10), Capital 1 (8/10), Discover More (8/11), Amex BCE (8/11), Chase Freedom(2/12) & a Citi Dividend card(2/12). Most of them are less than a year old. I have only received a CLI on the BoA ($2,500>$5K) and the Cit ($4K>$5.2K). I have 13 inquiries (for the 12 cards I have). I was really shocked that Chase extended me with so much credit, I will treat them well. The funny thing is, last month my score was higher until my Citi posted an Apple purchase which gave me 70% utility on that card. My score went back up this month but not to the exact status. I am ecstatic with all my approvals. I know you are looking for sign up bonuses as well. When I looked for the new cards, I wanted to make sure they would primarily serve as life long cards. It doesn't hurt that they have amazing bonuses. I am going to Paris/Rome for spring break next year, and the sign up bonuses alone are paying for my hotel stay for 10 days at luxury hotels so I am very happy to say the least!
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.