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07-14-2011 08:40 AM - edited 07-14-2011 08:41 AM
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
Should I Garden at this point?
07-14-2011 09:47 AM
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.
07-14-2011 10:51 AM
Thnks for the advice. I was thinking this is enough for now
07-14-2011 08:53 PM
Congrats! If you don't mind me asking, how many inquiries did you have before you applied?
07-14-2011 09:50 PM
Congrats mate !
07-15-2011 02:09 AM - edited 07-15-2011 02:10 AM
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.
07-15-2011 02:50 AM