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Contributor
Posts: 75
Registered: ‎10-28-2010
0

Got Approved for Apple Barclay and Chase Freedom!!

[ Edited ]

I first applied for the Apple barclay got a 1250 CL then called the backdoor after 30mins and got it up to 3800CL. Then Chase Freedom approved me for 2,000 CL.

Got denied from Discover , called to recon and they offered me a co sign option and i said no. They said there is stuff on my CR that is paid and shows a 0 balance but not removed.(sent me pre approval letter like crazy), BOA cashback after denial they offered me a card that i would put money on  and AMEX Gold have various reasons which boiled down to me not have enough Credit line son my report.

 

Whats in my wallet:

CapitalOne Platinum: 1k CL

Chase Freedom: 2k CL

Apple Visa Barclay: 3.8k CL

 

Any suggestions?

Should I Garden at this point?

 


Starting Score: 700
Current Score: 754
Goal Score: 800


Take the FICO Fitness Challenge
CapitalOne - 1k
Barclay - 3.8k
Chase Freedom - 2k
Citi Bank diamond perffered - 5k
Discover - 5k
Amex blue cash perffered - 2k
Regular Contributor
Posts: 198
Registered: ‎10-22-2010
0

Re: Got Approved for Apple Barclay and Chase Freedom!!

If you were approved for Barclays, you should have zero inquiries on your report after theres for at least six months. They will spook and slash your CL or close your account so I would definitely garden at this point.

What's In My Wallet:American Express Starwood Preferred Guest Business Card, American Express Costco True Earnings, Citi AA Visa, Barclays US Air, Citi Prestige
What's In My Sock Drawer: Chase Sapphire Preferred, Discover More, Bank of America Accelerated Rewards AmEx, SME FCU Visa
Contributor
Posts: 75
Registered: ‎10-28-2010
0

Re: Got Approved for Apple Barclay and Chase Freedom!!

Thnks for the advice. I was thinking this is enough for now


Starting Score: 700
Current Score: 754
Goal Score: 800


Take the FICO Fitness Challenge
CapitalOne - 1k
Barclay - 3.8k
Chase Freedom - 2k
Citi Bank diamond perffered - 5k
Discover - 5k
Amex blue cash perffered - 2k
Established Member
Posts: 13
Registered: ‎01-22-2010
0

Re: Got Approved for Apple Barclay and Chase Freedom!!

Congrats! If you don't mind me asking, how many inquiries did you have before you applied?


Starting Score: EQ: 659 (1/21/11 via myFico SW), TU: 689 (1/21/11 via myFico QM), EX: 635 FAKO
Current Score: EQ: 676 (1/25/11 via myFico SW), TU: 689 (1/21/11 via myFico QM), EX: 635 FAKO
Goal Score: 720+ on all scores


Take the FICO Fitness Challenge
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Established Contributor
Posts: 620
Registered: ‎08-14-2010
0

Re: Got Approved for Apple Barclay and Chase Freedom!!

Congrats mate !

 

 

______________________________________________________________________________________________________________

All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas
Frequent Contributor
Posts: 332
Registered: ‎04-08-2011
0

Re: Got Approved for Apple Barclay and Chase Freedom!!

[ Edited ]

What a coincidence

1. I have capital one platinum, chase freedom, apple barclay

2. I got offer for co-signer from discover but I don't want any co-signer

 

Difference is I got Zync Amex and Fidelity Amex from Boa. Is Boa cash back visa signature?

It's much harder to obtain because its lowest required $5000 credit line which you would likely be denied without having at least some history on $2000-3000 TLs. I don't know if they allow this but you might try recon Amex for different product. Instead of Gold card, asking for Zync but you should ask them to use the same pull that used for Gold card.

Established Contributor
Posts: 909
Registered: ‎12-25-2010
0

Re: Got Approved for Apple Barclay and Chase Freedom!!

Time to chill...Barclay's will definitely soft you for at least the next 3 or 4 months, don't want to get CLD...

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
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† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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