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?
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.