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Didn't resist the urge- Chase/Amex/NFCU/Home Depot

Contributor

Didn't resist the urge- Chase/Amex/NFCU/Home Depot

This morning I just couldnt wait a second longer... Had an app spree, here's the results


Home Depot- Approved 750cc limit... called for Recon to increase.. Denied

 

Chase Freedom- 7-10 day  message... Called Immediately for Recon. Was asked about 2 charge-offs (Kohls, Credit One) from 2008. Explained to rep that those accounts were opened when I was 18 and had no idea about responsibly managing credit, and that Ive never been late on anything in over 3 years. Was put on hold and she came back and said I had been approved for $2000. Ill take it.

 

Amex Blue Cash Everyday- DENIED. Their closed on Sundays, so I will call first thing tomorrow morning for a recon and will update when I find out.

 

NFCU nRewards CL Increase... Current Limit is $8500... rep advised me to go high for the amount I wanted, so I said $15,000 total, Immediately approved for $12,500. Ill take that too!

 

CashRewards with NFCU (new card), but got the 3-5 day message :/

 

 

 

Message 1 of 9
8 REPLIES
Valued Contributor

Re: Didn't resist the urge- Chase/Amex/NFCU/Home Depot

Grats on approvals. what are your scores? What does your credit report look like? Derogs?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 2 of 9
Moderator Emeritus

Re: Didn't resist the urge- Chase/Amex/NFCU/Home Depot

Congrats!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 9
Contributor

Re: Didn't resist the urge- Chase/Amex/NFCU/Home Depot

Home Depot told me my EX score after approval- 671

EQ- 674 pulled from myfico

TU- 689 pulled from myfico

 

I have charge offs from 2008, and a couple collections (atleast one on every report, all PAID)

No lates or derog since 2009

Utilization is at 3% right now

2-4 Inquiries per report over last 12 months

 

Income ~ $45,000

Message 4 of 9
Valued Contributor

Re: Didn't resist the urge- Chase/Amex/NFCU/Home Depot

The no lates for that period probably helped. Lates are the bane of my CR's.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 5 of 9
Contributor

Re: Didn't resist the urge- Chase/Amex/NFCU/Home Depot

Apparently it didnt help with Home Depot... Im really confused as to why they wouldnt increase my limit

Message 6 of 9
Established Contributor

Re: Didn't resist the urge- Chase/Amex/NFCU/Home Depot

Congrats! Nice spree.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 7 of 9
Contributor

Re: Didn't resist the urge- Chase/Amex/NFCU/Home Depot

!!!!UPDATE!!!!


I was so annoyed at Home Depot for giving me a toy limit I applied for a Lowes Card. Approved at $650, called the backdoor number and asked for it to be increased to $10,000. She re-verified my income ($45000) and a few minutes later called back and said Approved for the full amount!! I then called        Home Depot to give them one more chance to increase it, after having me on hold for 20 minutes they said they could not render a decision at that time and I would get something in the mail in 7 days. I said "Close the card." and they did. Lowes will be getting all my business! 

 

Now if I can just get AMEX to reconsider my app, I will be golden, since im pretty sure NFCU wont deny me their cashRewards Smiley Very Happy

Message 8 of 9
Highlighted
Established Member

Re: Didn't resist the urge- Chase/Amex/NFCU/Home Depot

Congrats!!! now break your computer and run everytime someone ask you if you'd like to apply for a card in person..

Fico score: TU: 684 Date 8/8/2012 EQ : 647 Date 8/25/2012
EX: 651 Date 7/21/2012
Wallet: CAP one: 300 // AMEX Zync: 500
Garden since 8/18/12
Goal: 750 across the board

Message 9 of 9