Holy crap. Just approved for Discover It card and a couple others.

[Razeus]

FiCO's.  

What is AAAoA?

Edit: Average Age of Account.

Called CapOne to see if they could upgrade my current card to a Cash Rewards card.  They said there aren't any options for me and I would need to app for another card.  Being that I got the 4 dream cards already in just 1 day, I didn't want to risk being denied.  I'll hold on to the card for another year to let me 4 new cards age and cancel the Capital One card so I don't get hit with an annual fee.

[Crashem]

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@Razeus wrote:

FiCO's.  

What is AAAoA?

Edit: Average Age of Account.

Called CapOne to see if they could upgrade my current card to a Cash Rewards card.  They said there aren't any options for me and I would need to app for another card.  Being that I got the 4 dream cards already in just 1 day, I didn't want to risk being denied.  I'll hold on to the card for another year to let me 4 new cards age and cancel the Capital One card so I don't get hit with an annual fee.

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where did you get your ex fico?

[Razeus]

I got TU and EX from this site.  Cost a pretty penny.

[gettnthere]

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@Razeus wrote:

I got TU and EX from this site.  Cost a pretty penny.

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you mean you got your TU and EQ score here, MYFICO does not sell EX Fico's anymore. do you know what your AAoA is then?

[LS2982]

CONGRATS!!!!

Very nice Discover limit!!

[Razeus]

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@gettnthere wrote:

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@Razeus wrote:

I got TU and EX from this site.  Cost a pretty penny.

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you mean you got your TU and EQ score here, MYFICO does not sell EX Fico's anymore. do you know what your AAoA is then?

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Close to 6 years.

The Cap one will be closed since I know it doesn't affect my AAoA, just my utilization.  But since my 4 new cards combined have more CL than CapOne, I don' t think my utilization will be problem.

[gettnthere]

gotcha BIG Congrats on the Discover Limit! Discover must have Really Seen something they like to start you with such a HUGE limit, espicially with Sub 700 scores. thats awesome tho!! Enjoy your new cards

[webhopper]

No kiddng ha! They must have really liked you... They denied my CLI request based on my TU report which is the cleanest of my 3

[Razeus]

Thanks guys.   Yes, I'm still in shock I was 4 for 4 on my app spree and got great limits.  That's NEVER happened.  And yes, Discover must have some wicked voodoo formula that worked in my favor.  I think it has to do with the mortgage I closed a couple of weeks ago, but I doubt that would show up yet, but it's nice to check the box that says "own" rather than rent. It should arrive Wednesday (they send in 2 days, as oppose to 7-10 days that everyone else does).

[Razeus]

Well I pushed my luck.

Called up Barclays to increase my current CL of $500 (3 years old) to something respectable.  They only bumped it up $350.  

Apped for Chase Sapphire (non-Preferred) and got the "we need to evaluate".  Called the back door number and explained, that yes I've opened a few cards yesterday, but I bank with Chase and have savings there.  They brought up my student loan lates, but I told them that was last year and should become a year old in October, but I've never been late on a card payment.  She replied they gave me the Freedom card and will see how I do with that.  

Oh well.  At least I'll get the denial letter to get my free credit reports to have (I usually pull 2x a year).  September 2013 is marked on my calendar to re-app.  My mortgage HP's in January 2012 (all denied), and May 2012 (approved)  and these recent 5 HP's for credit cards will be all over a year old by then and shouldn't count against me.  Chase Sapphire and AMEX Blue Preferred versions are my targets.

At least I can say I was 4 for 4 on my apps.  Thank you guys for all your help and insight.  Time to hit the garden until fall 2013.