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I want to beat myself in the head. (Updated)

Valued Contributor

I want to beat myself in the head. (Updated)

Despite all the advice on myfico.com, I went ahead and app for Barclay Ring.

 

Instant approval.

 

But TOY LIMIT. (my LOWEST CL EVER)

 

I will recon tomorrow at 7 CST.

 

I will know what they pulled tomorrow with creditsecure from Amex unlimited pull for all 3 CRAs.

 

Anyway, if they pulled TU, it's 9 inqs 2 in last 9 months. The rest is from cars and will fall off the end of year.

 

Any advice on recon?

 

UPDATED: Using the same HP (they pulled TU, in TX), they were able to bump the credit to 2k (too many 3 new accounts in 6 months and 9 inqs on TU)

 

To the future me: listen to myfico.com advice! To avoid toy limit/low CL.

 

 

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%
16 REPLIES
Super Contributor

Re: I want to beat myself in the head.

Most likely they will need to do another HP. My gf had to recon her original CL and they did a new inquiry. She got a higher limit though so in a way it was worthwhile since she doesn't have any inquiries on TU.

Just be prepared to answer questions regarding your CR
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor

Re: I want to beat myself in the head.


enharu wrote:
Most likely they will need to do another HP. My gf had to recon her original CL and they did a new inquiry. She got a higher limit though so in a way it was worthwhile since she doesn't have any inquiries on TU.

Just be prepared to answer questions regarding your CR

Hopefully they will use same HP, I think webhopper's DH got CLI thru recon with same HP if I read correctly.

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%
Super Contributor

Re: I want to beat myself in the head.

Have seen a lot of increases in limits on new approvals lately after calling them Good Luck

Congrats of the approval as well 

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?
Established Contributor

Re: I want to beat myself in the head.


armbenderc wrote:

Despite all the advice on myfico.com, I went ahead and app

 


 

 

~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
Valued Contributor

Re: I want to beat myself in the head.


knoregs wrote:

armbenderc wrote:

Despite all the advice on myfico.com, I went ahead and app

 


 

 

~kn



Smiley Very Happy

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%
Member

Re: I want to beat myself in the head.

what is the limit btw? curious 

Valued Contributor

Re: I want to beat myself in the head.

Congrats !!!! nice card to have for the apr, call backdoor number and good luck with your request for the cli.....


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Valued Contributor

Re: I want to beat myself in the head.


tray wrote:

Congrats !!!! nice card to have for the apr, call backdoor number and good luck with your request for the cli.....


Thanks.

 

I forgot to add that my total util is at 1% reporting on one card. The one card that is reporting has 8% reporting of total limit.

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%
Valued Contributor

Re: I want to beat myself in the head.

@ailee92 it's low. Below 1k.
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%