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Valued Member
Posts: 35
Registered: ‎02-05-2012
0

Re: Apps Spree Success 4 over 4

Hello! And congrats I just app for the discover more card 0% interest for 14 months and a $5500.00 limit plus I got a BCU visa card with a $ 1000.00 limit and a paypal master card with a 1500 limit plus I refinance my thru BCU and got a 4.5 %

I have 2 liens and a judgment that are paid plus a late in the last 12 months plus some 90 days back in 07

iknow the filling specially when I got approved for the discover card! 

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Apps Spree Success 4 over 4


kobe2012 wrote:

Nice!!! I remember youre were gardening for a while and we have almost the same credit profile... Well, gardening did you great!!!!! Were you a full usaa member??


Yeah kobe we had a conversation not too long ago about same credit profile and i finally pull the trigger.........Until now i still didnt believe its happens..........

Im not a full USAA member but gave me 4000 credit limit.....that's insane.........Just call them today and ask a few question......I thuoght i had 0% APR for 1 year but its only for balance transfer and convenience check. The 25.9% APR kinda freak me out thou but i will treat them well and ask for limit every other 6 months........

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
Posts: 697
Registered: ‎03-16-2012
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Re: Apps Spree Success 4 over 4


nicholasyud wrote:

kobe2012 wrote:

Nice!!! I remember youre were gardening for a while and we have almost the same credit profile... Well, gardening did you great!!!!! Were you a full usaa member??


Yeah kobe we had a conversation not too long ago about same credit profile and i finally pull the trigger.........Until now i still didnt believe its happens..........

Im not a full USAA member but gave me 4000 credit limit.....that's insane.........Just call them today and ask a few question......I thuoght i had 0% APR for 1 year but its only for balance transfer and convenience check. The 25.9% APR kinda freak me out thou but i will treat them well and ask for limit every other 6 months........

 


Man, i wonder if i even have a chance with usaa..lol am supposed to be gardening! But congratz! Nice limit... time for you to garden again!


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Apps Spree Success 4 over 4


kobe2012 wrote:

nicholasyud wrote:

kobe2012 wrote:

Nice!!! I remember youre were gardening for a while and we have almost the same credit profile... Well, gardening did you great!!!!! Were you a full usaa member??


Yeah kobe we had a conversation not too long ago about same credit profile and i finally pull the trigger.........Until now i still didnt believe its happens..........

Im not a full USAA member but gave me 4000 credit limit.....that's insane.........Just call them today and ask a few question......I thuoght i had 0% APR for 1 year but its only for balance transfer and convenience check. The 25.9% APR kinda freak me out thou but i will treat them well and ask for limit every other 6 months........

 


Man, i wonder if i even have a chance with usaa..lol am supposed to be gardening! But congratz! Nice limit... time for you to garden again!


yeah after reading so many post and i think i should establish with some high generous CC company and im so happy i did it..........Might gonna cancel my Green Amex after 1 year till the AF kick in............Not on my list since i already approved for Amex Delta.....Will used it for 2 months then 3x limit increase baby :smileyvery-happy:

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Contributor
Posts: 322
Registered: ‎10-19-2012
0

Re: Apps Spree Success 4 over 4

Congrats!

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Established Contributor
Posts: 921
Registered: ‎12-10-2011
0

Re: Apps Spree Success 4 over 4

Much too much Congrats. Nice cards:smileywink:


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Apps Spree Success 4 over 4

Great job, Congats on your approvals!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Apps Spree Success 4 over 4

thanks everyone.......I wonder if anyone had success recon credit limit increase with Amex Delta.

They only give me $1000 toy limit. I going to recon and ask them for limit when i first activate my new amex cards........

Anyone had succesful with it ????


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
Posts: 772
Registered: ‎01-03-2012
0

Re: Apps Spree Success 4 over 4

[ Edited ]

Congrats on your approvals - you did great! :smileyhappy:

 

I don't think Amex is receptive to credit limit recons.  I would just use the card and PIF for the next 2 months, and then request a CLI at 61 days.  If approved, that would potentially put you right up to a $3000 CL, and that would be close to your USAA limit.  Treat your card wisely, and your limit can grow quickly.


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Apps Spree Success 4 over 4


TNTransplant wrote:

Congrats on your approvals - you did great! :smileyhappy:

 

I don't think Amex is receptive to credit limit recons.  I would just use the card and PIF for the next 2 months, and then request a CLI at 61 days.  If approved, that would potentially put you right up to a $3000 CL, and that would be close to your USAA limit.  Treat your card wisely, and your limit can grow quickly.


Well i would try and confirm with them about my USAA limit and see what they can do.......Not hurt to try right ???? Also i wonder yes of course im going to paid it in full for the next 60 days but do i really need to paid before the statement closing days or let the balance report then paid ??? What good tactics with AMEX ?????

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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