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

Frequent Contributor

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

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.

My Wallet:
AMEX Platinum | Discover It $20.3k | Chase Sapphire Reserved $16k | Chase United $12k | AMEX SimplyCash Plus Business $11.6k | AMEX Schwab $9k | AMEX BCEP $8.2k | Citi Costco Anywhere Visa $8k | Chase Amazon Visa $8k | Chase Sapphire Preferred $7k | Chase Freedom $5k | Citi Simplicity $5k | Paypal Extras Platinum $5k | Wells Fargo $5k | Citi Best Buy $4.2k | Citi Visa Signature $3k | Care Credit $3k
Message 21 of 43
Valued Contributor

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


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.


where did you get your ex fico?

               LIMITS IN CARD DESCRIPTIONS
Message 22 of 43
Frequent Contributor

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

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

My Wallet:
AMEX Platinum | Discover It $20.3k | Chase Sapphire Reserved $16k | Chase United $12k | AMEX SimplyCash Plus Business $11.6k | AMEX Schwab $9k | AMEX BCEP $8.2k | Citi Costco Anywhere Visa $8k | Chase Amazon Visa $8k | Chase Sapphire Preferred $7k | Chase Freedom $5k | Citi Simplicity $5k | Paypal Extras Platinum $5k | Wells Fargo $5k | Citi Best Buy $4.2k | Citi Visa Signature $3k | Care Credit $3k
Message 23 of 43
Established Contributor

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


Razeus wrote:

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



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



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 24 of 43
Mega Contributor

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

CONGRATS!!!!

 

Very nice Discover limit!!




EQ FICO 548 3/3/16
Message 25 of 43
Frequent Contributor

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


gettnthere wrote:

Razeus wrote:

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



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


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.

My Wallet:
AMEX Platinum | Discover It $20.3k | Chase Sapphire Reserved $16k | Chase United $12k | AMEX SimplyCash Plus Business $11.6k | AMEX Schwab $9k | AMEX BCEP $8.2k | Citi Costco Anywhere Visa $8k | Chase Amazon Visa $8k | Chase Sapphire Preferred $7k | Chase Freedom $5k | Citi Simplicity $5k | Paypal Extras Platinum $5k | Wells Fargo $5k | Citi Best Buy $4.2k | Citi Visa Signature $3k | Care Credit $3k
Message 26 of 43
Established Contributor

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

gotcha Smiley Wink 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



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 27 of 43
Moderator Emeritus

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

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


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 28 of 43
Frequent Contributor

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

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).

My Wallet:
AMEX Platinum | Discover It $20.3k | Chase Sapphire Reserved $16k | Chase United $12k | AMEX SimplyCash Plus Business $11.6k | AMEX Schwab $9k | AMEX BCEP $8.2k | Citi Costco Anywhere Visa $8k | Chase Amazon Visa $8k | Chase Sapphire Preferred $7k | Chase Freedom $5k | Citi Simplicity $5k | Paypal Extras Platinum $5k | Wells Fargo $5k | Citi Best Buy $4.2k | Citi Visa Signature $3k | Care Credit $3k
Message 29 of 43
Frequent Contributor

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

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.  

My Wallet:
AMEX Platinum | Discover It $20.3k | Chase Sapphire Reserved $16k | Chase United $12k | AMEX SimplyCash Plus Business $11.6k | AMEX Schwab $9k | AMEX BCEP $8.2k | Citi Costco Anywhere Visa $8k | Chase Amazon Visa $8k | Chase Sapphire Preferred $7k | Chase Freedom $5k | Citi Simplicity $5k | Paypal Extras Platinum $5k | Wells Fargo $5k | Citi Best Buy $4.2k | Citi Visa Signature $3k | Care Credit $3k
Message 30 of 43