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I walked out of the garden today, now I am running back!

Valued Contributor

Re: I walked out of the garden today, now I am running back!


FocusedAndDetermined wrote:

Congrats on the Citi approaval.  Sorry about the CSP.  

 

Did they give an indication how long the foreclosure would continue to be a deciding factor?


He said the foreclosure was still too new. I said, too new? That was 2009 how long do I need to wait to apply again? Response: The forclosure is still too new sir! 

 

So, to answer your question...No he didnt give me even a clue. 

*8/10/13
Message 11 of 48
Valued Contributor

Re: I walked out of the garden today, now I am running back!


LS2982 wrote:

dodfire wrote:

So, I hit my 3 month mark in the garden. I could no longer resist the temptation.

I applied for 2 cards.

#1 Citi Prestige - Instant approval $11,000

#2 CSP - 7-10 day message

 

I called Chase to offer them any additional information they might need for approval. 

 

Result - DENIED - Reason stated, Forclosure is still showing on my report from 2009. This is my second try for the CSP, I guess I will have to wait until the foreclosure drops off of my report. 

 

But, I am happy with the starting limit for the Citi Prestige. All in all its been a good week. See you all back in the garden. 


CONGRATS!!! Smiley Happy 

 

1-2 is not ba and WTG on stopping there!


Thanks!!

I suppose 50% success is not bad.

Earlier this week if you didnt see my other posts;

NFCU CLI from $10k to $22k x 2

AMEX SPG CLI $4k

Citi Prestige $11k

Thats $39k in new credit this week!!

 

*edited, wrong numbers

*8/10/13
Message 12 of 48
Senior Contributor

Re: I walked out of the garden today, now I am running back!


dodfire wrote:

FocusedAndDetermined wrote:

Congrats on the Citi approaval.  Sorry about the CSP.  

 

Did they give an indication how long the foreclosure would continue to be a deciding factor?


He said the foreclosure was still too new. I said, too new? That was 2009 how long do I need to wait to apply again? Response: The forclosure is still too new sir! 

 

So, to answer your question...No he didnt give me even a clue. 


Not very helpful are they?  I have a BK7 from 07 stil showing (obviously), so I'm wondering if it's even worth it to reapp for the MArriott card or if I should just wait the 3+ yrs and try after it falls off.

Message 13 of 48
Moderator Emerita

Re: I walked out of the garden today, now I am running back!

Congrats on the approval! Glad to see your 'day pass' was successful!
Message 14 of 48
Valued Contributor

Re: I walked out of the garden today, now I am running back!


FocusedAndDetermined wrote:

dodfire wrote:

FocusedAndDetermined wrote:

Congrats on the Citi approaval.  Sorry about the CSP.  

 

Did they give an indication how long the foreclosure would continue to be a deciding factor?


He said the foreclosure was still too new. I said, too new? That was 2009 how long do I need to wait to apply again? Response: The forclosure is still too new sir! 

 

So, to answer your question...No he didnt give me even a clue. 


Not very helpful are they?  I have a BK7 from 07 stil showing (obviously), so I'm wondering if it's even worth it to reapp for the MArriott card or if I should just wait the 3+ yrs and try after it falls off.


You know it seems to be different from one person to the next. So, you really never know unless you try. If you can take the HP then go for it.

*8/10/13
Message 15 of 48
Established Contributor

Re: I walked out of the garden today, now I am running back!


dodfire wrote:

FocusedAndDetermined wrote:

Congrats on the Citi approaval.  Sorry about the CSP.  

 

Did they give an indication how long the foreclosure would continue to be a deciding factor?


He said the foreclosure was still too new. I said, too new? That was 2009 how long do I need to wait to apply again? Response: The forclosure is still too new sir! 

 

So, to answer your question...No he didnt give me even a clue. 


geesh... well congrats on the Citi.

 

~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Message 16 of 48
Valued Contributor

Re: I walked out of the garden today, now I am running back!


09Lexie wrote:
Congrats on the approval! Glad to see your 'day pass' was successful!

Thanks Lexie Smiley Happy

*8/10/13
Message 17 of 48
Super Contributor

Re: I walked out of the garden today, now I am running back!


09Lexie wrote:
Congrats on the approval! Glad to see your 'day pass' was successful!

Lexie and Focus keep your eye on this one ....quick on getting out of the garden.

I only turned my back for 30 seconds gone and had already clicked sumbit wasn't nothing I could do Lol

Used double terminals too I might add Smiley LOL

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?
Message 18 of 48
Moderator Emerita

Re: I walked out of the garden today, now I am running back!

Message 19 of 48
Valued Contributor

Re: I walked out of the garden today, now I am running back!

I think it was the time zone difference from here in Afghanistan and there... You all must have still been sleeping!! Smiley Happy

*8/10/13
Message 20 of 48