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Got pre-approval for BOA and Discover IT!

Valued Contributor

Got pre-approval for BOA and Discover IT!

BOA is at $100 cashback after spending $500 in 90 days. 0 AF, 0%intro APR/Transfer, ETC.

 

Discover IT - no signup offer beside 0%intro/transfer, etc.

 

Man... I want to wait for AMEX BCE/BCP, and CSP. 

 

I don't think getting the cards above will help with getting BCE/P and CSP since adding INQ... recent acct, lower score, etc.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
6 REPLIES
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Mega Contributor

Re: Got pre-approval for BOA and Discover IT!

When are you looking to app for CSP and BCE?
Whats your current credit file look like?



EQ FICO 548 3/3/16
Frequent Contributor

Re: Got pre-approval for BOA and Discover IT!

Agreed... you should wait. I just apped for the BOA offer, and it was an EX pull for me; since Amex always pulls EX, that INQ could affect your app with them.

Starting Score: 617 (EQ 6/10/12)
Current Score (8/28/13): EQ: 691 EX: 706 TU: 700
Goal Score: 700

Discover it $4,500 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $2,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)

Valued Contributor

Re: Got pre-approval for BOA and Discover IT!


LS2982 wrote:
When are you looking to app for CSP and BCE?
Whats your current credit file look like?

I got Amex Green on Oct '12, maybe wait 6 months?

 

As for Chase, I got it on Sept '12, got checking and saving with them.

 

Scores are in sigs, maybe a bit more now.

 

Util is right at 6% on one card reporting only and (27% util on that card),

no baddies, Just 4 account open in Sept/Oct '12.

Tons of INQ from 2011 and 2012 from trading in 2 cars (mid-end 2011)  and Got 1 new car (early 2012).

 

No INQ from OCT '12, sitting at about 14 on each report.

 

I think INQs is my problem, that why my credit score is low with 3 years AAOA, suppose to be 750+ If I don't have those INQ and new ACCTs.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Established Contributor

Re: Got pre-approval for BOA and Discover IT!

You been gardening for some time now. I say keep up and get those inquiries down. Chase is Inquiry sensitive to the max. I should know (main reason for CSP denial) Had to recon it but give it a few more months and keep your Util down and you should be golden for those apps. 

Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Valued Contributor

Re: Got pre-approval for BOA and Discover IT!

Just got another Discover IT offer....

 

Must be strong Smiley Mad

 

What to do?

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor

Re: Got pre-approval for BOA and Discover IT!


armbenderc wrote:

Just got another Discover IT offer....

 

Must be strong Smiley Mad

 

What to do?


On the brightside at least the pre-approvals are coming in (still waiting for my 1st one from a prime lender). But be strong my friend, you will thank yourself when you see the "congratulations...." on that computer screen when you apply for those AMEX cards!

gardening since 5/21/2016