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Community Leader
Valued Contributor
Posts: 1,413
Registered: ‎07-12-2011
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Re: HELP! Need some good cards to apply for fast!

@Summerhunny11
CONGRATS on your Approval!!!
Out of curiosity- what did the analyst say was the reason for the decline?
Did they tell you their concerns? I'm surprised it was instant denied. I was thinking you'd have to recon the limit.
Hold off on PRG till you let us know the Barclay concerns. Smiley Happy
Which card did you apply?
Again... Congrats on your approval! Barclays will treat you right and grow with you. I have 2 of them.

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Community Leader
Valued Contributor
Posts: 1,413
Registered: ‎07-12-2011
0

Re: HELP! Need some good cards to apply for fast!

@Summerhunny11

Chase recon #888-245-0625
Good Luck!

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Epic Contributor
Posts: 29,091
Registered: ‎10-23-2007
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Re: HELP! Need some good cards to apply for fast!


summerhunny11 wrote:

Was declined!

 

But, I talked to them and got approved for $1k.

 

Now, I might need a Chase back door number or go into the branch?


Just $1k?? What score did they give? what reasons for low approval? I mean they only gave me $1300 with a 662 TU.

I got $2k from PayPal MC instantly.

Contributor
Posts: 76
Registered: ‎03-14-2013
0

Re: HELP! Need some good cards to apply for fast!

[ Edited ]

I got this one

 

http://www.barclaycardarrival.com/travel/?campaignId=1730&cellNumber=9

 

Looks like I have a recent paid judgement hurting me still. I think I assumed I was ok since it was paid and Infiniti approved me. I explained it was for a few medical collections totalling $500.

 

I am guessing Chase will state the same. I will call and see. I bank with them but not sure if that matters.

 

Thanks everyone!

5/13-EQ 652,TU 634, EX 612
6/13-mortgage lender pull
EQ 652, EX 689, TU 714
6/22/13 Auto pull (Infiniti)
EX Auto II 714, TU 745

Capital One $1500, Orchard $500, Premier $700
Community Leader
Valued Contributor
Posts: 1,413
Registered: ‎07-12-2011
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Re: HELP! Need some good cards to apply for fast!

[ Edited ]
WOW! That explains a lot. The Arrival has higher approval criteria then the cards I recommended. Congrats! Make sure to hit the spend requirement to get the sign up bonus.
Also- with a judgement on the file- hold off on PRG until it's cleared up. Smiley Happy

Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Contributor
Posts: 76
Registered: ‎03-14-2013
0

Re: HELP! Need some good cards to apply for fast!

Good news!!!!!
5/13-EQ 652,TU 634, EX 612
6/13-mortgage lender pull
EQ 652, EX 689, TU 714
6/22/13 Auto pull (Infiniti)
EX Auto II 714, TU 745

Capital One $1500, Orchard $500, Premier $700
Contributor
Posts: 76
Registered: ‎03-14-2013
0

Re: HELP! Need some good cards to apply for fast!

I called the back door number at Chase Bank and spoke to a business card representative. The minimum amount I could be approved for was $3000 but they declined me because I have minimal credit history and no large balance credit cards. It was pretty disappointing. But I called chase and applied for the Sapphire thinking I was going to be declined and they approved me for credit line of $5,000. Needless to say that made my day and I'm very happy. I added my husband as an authorized user and hope that it and improve his credit score. He has a very thin file with the bureaus and no one will approve him for anything
5/13-EQ 652,TU 634, EX 612
6/13-mortgage lender pull
EQ 652, EX 689, TU 714
6/22/13 Auto pull (Infiniti)
EX Auto II 714, TU 745

Capital One $1500, Orchard $500, Premier $700
Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: HELP! Need some good cards to apply for fast!


summerhunny11 wrote:
I called the back door number at Chase Bank and spoke to a business card representative. The minimum amount I could be approved for was $3000 but they declined me because I have minimal credit history and no large balance credit cards. It was pretty disappointing. But I called chase and applied for the Sapphire thinking I was going to be declined and they approved me for credit line of $5,000. Needless to say that made my day and I'm very happy. I added my husband as an authorized user and hope that it and improve his credit score. He has a very thin file with the bureaus and no one will approve him for anything

Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Member
Posts: 55
Registered: ‎05-23-2013
0

Re: HELP! Need some good cards to apply for fast!

congrats ....sweet ride

Frequent Contributor
Posts: 288
Registered: ‎08-24-2010
0

Re: HELP! Need some good cards to apply for fast!

Nice work!!!

Starting Score: 620 FAKO
Current Score: FICO TU 715 (wal-mart) FICO EQ 692
Goal Score: 700


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