08-24-2012 08:16 AM - edited 08-31-2012 10:43 AM
I went on a nice app spree on the 22nd because my util went from 90 down to 20. Only baddies on report are 5 30 days over 2 years old and 1 60 from 3 years ago. 5 inq on each of my reports at time of apps. Here are the results.
These are my only declines:
Penfed platinum-declined eq
Citi hilton cli-declined with soft only
CSP-instant approve-9.2k-exp-1 pull for both
Chase Freedom-instant approve-4k-exp-1 pull for both
USAA AMEX-instant approve-2k-eq
BOA 123 cli- 2500---->5500 approved-tu thru backdoor
Nfcu cash cli-10000---->14000 approved-eq 2 day wait
Barclay apple cli-1500---->3000 approved-eq on recon
Man this was my most successful spree yet. Chase surprised me big time. I do have a relatively high income though. Also, i want an amex revolver something aweful! I will be apping on the 27th. I will let you guys know how it goes.
I just wanted to update this post to show the exp score that chase gave me. Which is a 706
Final update on my app spree:
Amex Hilton no af-approved on recon-1k
Chase sapphire regular- approved- 6500
Chase freedom-moved 1500 from regular sapphire-5500
Citi hp cli-declined
Finally got an AMEX revolver too! Im gardening for like ever now!
Went from 7k in credit to over 50k inthis app spree!
08-24-2012 08:27 AM - edited 08-24-2012 08:27 AM
wow those are great cards and great limits!
what baddies do you have? i am too chicken to apply for CSP with my scores but you give me hope...
08-24-2012 08:44 AM
08-24-2012 08:48 AM
wait on the AMEX revolver, AP in january and you will get maximum backdating goodness...
08-24-2012 08:50 AM
Nice spree results. Congrats!
08-24-2012 09:00 AM
Wow, instant CSP approval w/ a $9.2k limit and you are a sub-700? Do you have a prior relationship with Chase?
08-24-2012 09:22 AM
My aaoa is 4 yrs with 9 yrs history. I think i was on the bottom end off approval score with chase in the 670s, and my income made up for it. It seens like they are targeting people with high incomes. I am a little over 100k by myself. I have the 3 premeir checking accounts for veterans with them that are only a month old. My highest line was nfcu at 10k at time of app. Next highest was a local bank card i dont use anymore at 5k. I really want to app for an amex revolver now while the going is good, but waiting untill january isnt a bad idea either.
08-24-2012 10:52 AM
08-24-2012 11:49 AM
Citi used a soft pull from last month when my util was maxed out. I called and tried to have them do a hard pull, but they coul only submit the same way i do online. It keeps grabbing the soft from last month. Lol Anybody know a way around it?