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Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

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%
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

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?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
LionLaw
Posts: 258
Registered: ‎06-10-2012
0

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
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

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
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012
0

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
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

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

Just got another Discover IT offer....

 

Must be strong :smileymad:

 

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
dodgerslv
Posts: 1,843
Registered: ‎06-16-2012
0

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


armbenderc wrote:

Just got another Discover IT offer....

 

Must be strong :smileymad:

 

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!


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).






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