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Got pre-approval for BOA and Discover IT!

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armbenderc
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%
Message 1 of 7
6 REPLIES 6
LS2982
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
Message 2 of 7
LionLaw
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.
Message 3 of 7
armbenderc
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%
Message 4 of 7
ObeyJohnny12
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. 

Wells Fargo Secured - 7k
Opensky - 5k
Rebuilding One Day At A Time.
Message 5 of 7
armbenderc
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%
Message 6 of 7
dodgerslv
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
Message 7 of 7
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