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Has there been any success with recon on this card? This is the last card that I am interested in apping for just trying to get an idea of what my chances will be in about six months.
Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000
I believe it is admin by FIA (BOFA). I never had any issue with them though tbh.
TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!
@zyzzus wrote:Has there been any success with recon on this card? This is the last card that I am interested in apping for just trying to get an idea of what my chances will be in about six months.
Hi! Welcome to the myFico forum!
Without knowning your income, credit history and length, and credit scores from myFICO we would have a very hard time determining whether you would have a shot at approval in 6 months.
Do you mind sharing a few of these details so that we can give you more informed advice based on our collective experiences?
Average age of account: 3 years
Oldest account 8 years 7 months (was added as joint owner to mothers Freedom Card opened in 93 I believe chase backdates will report next month)
Utilization is not a factor for me it is less then 4% I can always PIF
Most recent late payment was 5 years 4 months ago
I have to negative accounts
1 will fall off in May of 2013- overpayment from the VA
2 will fall off June of 15 - old cc
Transunion Fico is 691 from 11/10/2012 from US Bank
current accounts
Barclay Priceline Visa $2,000 limit opened Nov 2012
US Bank Cash (not plus) opened Nov 2012 (didn't get approved for cash plus) limit $3,000
Chase Freedom limit $1000 opened Aug 2012
Chase Amazon limit $1000 opened Sep 2012
Cap 1 limit $750 opened Jan 2012
Elan Fin Services limit $400 opened mar 2011
Hope this helps thanks webhopper
Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000
This card was listed by the Nov Consumer Reports as either the best or one of the top three cash back cards. I would guess that that caused a lot of apps (from non-members of this and similar forums). I don't know if this will allow them to increase their approval level (making the card harder to get).
I applied a few weeks ago, got a "we will let you know in 30 days" notice. I sort of forgot about it, until about a week later I got a notification from Credit Sesame(I think) that I had a new account, and it showed the new card and CL. The card and notification from Fidelity (or FIA rather) came two weeks after that! So not great process communication.
I opend a Fidelity brokerage account for the sole purpose of getting this card. Very simple reward structure. So far, I LOVE it.
It's a good cash-back card and it's one that isn't mentioned very often. Recently they killed off the best benefit of the card (1:1 transfer into aeroplan miles), but even as a straight 2% cash back card with no AF, it still remains decent.
I've had a brokerage account worth about $4,500 for about two years. I had my 401K in it for a while but rolled it out earlier this year. I didnt' know if they would be able to take that into consideration when underwriting. I have two apps this month if I have a chance I'll app for this now or wait. My fico score is what worries me I think it would auto-decline me as it isn't the best. Would like to hear some thoughts thanks for the replies thusfar.
Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000
You really think I have a shot with everything mendioned and 5 inquiries?
Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000