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Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: Chase Sapphire Prefered - Declined

Thanks for the response! Wow! That's awesome! $5000 with recon and all the perks too! I don't think I will get that much yet. What types of cards are GECRB? Are they like the Walmart card?

Merry Christmas!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
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Re: Chase Sapphire Prefered - Declined


MovingForward_2012 wrote:
Thanks for the response! Wow! That's awesome! $5000 with recon and all the perks too! I don't think I will get that much yet. What types of cards are GECRB? Are they like the Walmart card?

Merry Christmas!

Walmart store card (Walmart Discover also available)

Paypal Extras Mastercard

 

Those are the two I got with very friendly cli.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor
Posts: 772
Registered: ‎01-03-2012
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Re: Chase Sapphire Prefered - Declined


MovingForward_2012 wrote:
Thanks for the response! Wow! That's awesome! $5000 with recon and all the perks too! I don't think I will get that much yet. What types of cards are GECRB? Are they like the Walmart card?

Merry Christmas!

Please do not open any more credit cards until AFTER you close on your mortgage in March.  Lenders do not like to see that you are actively seeking credit in the 6-12 months prior to your mortgage, and this could impact your rates/approval.  

 

After you close, feel free to try for a GE card if that's what you're after.  Amazon store card, Walmart, PayPal, etc.; GE is great about growing credit lines quickly, and you could get to $4-5000 within a year or so.

 

I would also hold off on any more applications until after the bankruptcy falls off in August.  After that, feel free to go on a major app spree for the cards you really want, as opposed to just apping to get a card with a > $5000 CL.  With your income and a clean credit report, you are poised to get prime approvals with good limits on your choice of cards.

 

Good luck. :smileyhappy:

 

 


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

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Chase Sapphire Prefered - Declined

I would suggest a credit union card, you should be just fine gaining a 5k+ limit.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Posts: 3,318
Registered: ‎05-05-2011
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Re: Chase Sapphire Prefered - Declined


TNTransplant wrote:

MovingForward_2012 wrote:
Thanks for the response! Wow! That's awesome! $5000 with recon and all the perks too! I don't think I will get that much yet. What types of cards are GECRB? Are they like the Walmart card?

Merry Christmas!

Please do not open any more credit cards until AFTER you close on your mortgage in March.  Lenders do not like to see that you are actively seeking credit in the 6-12 months prior to your mortgage, and this could impact your rates/approval.  

 

After you close, feel free to try for a GE card if that's what you're after.  Amazon store card, Walmart, PayPal, etc.; GE is great about growing credit lines quickly, and you could get to $4-5000 within a year or so.

 

I would also hold off on any more applications until after the bankruptcy falls off in August.  After that, feel free to go on a major app spree for the cards you really want, as opposed to just apping to get a card with a > $5000 CL.  With your income and a clean credit report, you are poised to get prime approvals with good limits on your choice of cards.

 

Good luck. :smileyhappy:

 

 


+1 you shouldn't app for any new CCs within 6 mos of getting a mortgage. After you close, you can app without a problem. 

 

I can understand your sense of urgency. I felt the same way. But I gardened and have done very well thanks to the advice I got here. 

 

Good luck with your recon! 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

New Member
Posts: 1
Registered: ‎02-28-2013
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Re: Chase Sapphire Prefered - Declined

 
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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Re: Chase Sapphire Prefered - Declined

I'd app for a GE card, then call Credit Solutions for a $5k credit line...

Chase would be willing then!:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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Re: Chase Sapphire Prefered - Declined

Nvm. Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: Chase Sapphire Prefered - Declined

Lol. I was shocked to see this on page 1 this morning. Looks like someone posted a blank message and brought us Christmas in March! :smileyhappy:
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Posts: 1,936
Registered: ‎03-30-2012
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Re: Chase Sapphire Prefered - Declined


MovingForward_2012 wrote:
Lol. I was shocked to see this on page 1 this morning. Looks like someone posted a blank message and brought us Christmas in March! :smileyhappy:

LOL...You closed on your house?

 

You should definitely send an email to CapOne EO to see about a nice increase...

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9950
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