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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Left the Garden... for inebriated reasons....


android01 wrote:

I guess I haven't been following as close as i should :smileyvery-happy:... Is Duncarr Appbar? Or just fond of drunk apping? 


No, Duncun is not Appbar. Appbar needs a special spot in the myFICO HOF. He's still deep in the credit dungeon somewhere hitting that submit button :smileyvery-happy:

 

http://ficoforums.myfico.com/t5/Credit-Cards/i-feel/td-p/1375797/highlight/true/page/2

 

here's a classic.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
0

Re: Left the Garden... for inebriated reasons....

Come on, I only drunken apped once and it was a successful Chase Freedom app at the end of a 5 for 5 streak :smileywink:. I do have two checking accounts and will have 3 if successful with PSECU membership. I have a plan and I'm following it. I was just informed today that Sallie Mae will delete a 90 day late from July 2011. This will report this weekend and I expect a 40 pt gain at least. This will give me 160 pts jump in each CR in under 4 months. All my scores will be over 700 when I started they were around 550. So I think my plan is working perfectly. Also, I will be a member of NFCU and PSECU while not beig in military and having no connection to PA. 

 

my next apps will be for CSP and BCP and they will be in a bar and instant approvals :smileywink:

 

 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
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Re: Left the Garden... for inebriated reasons....

[ Edited ]

when i apped for DCU cc i had just gotten home from the "club" :smileywink: and was drunk off my butt and got approved lol maybe its good luck lol

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Left the Garden... for inebriated reasons....

The walk of shame after a night at the bar... with repurcussions that last a minimum of 10 yrs. Sounds like a reality show!

Congrats on your new card!

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!



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Valued Contributor
jamesdwi
Posts: 1,540
Registered: ‎09-16-2011
0

Re: Left the Garden... for inebriated reasons....

Congrats on the nice limit, don't go using that $20k limit to buy a blender or you could be APing every night... 

 

blender.jpg


Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Left the Garden... for inebriated reasons....

That's a high tech blender right there :smileyhappy:

To those who buzz app:

If your first app is a denial, do you keep going until approved?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
android01
Posts: 1,207
Registered: ‎09-22-2009
0

Re: Left the Garden... for inebriated reasons....


jamesdwi wrote:

Congrats on the nice limit, don't go using that $20k limit to buy a blender or you could be APing every night... 

 

blender.jpg


Ha! thanks!  I'm just trying to figure out what I'm goin to use this new card for in the first place.  I don't NEED  it, i just WANTED it and was weak...:smileysad:  Maybe I'll buy a new car with it or something. I could use some new carpeting.  Maybe a snowmobile. Maybe a nice vacation somewhere tropical.....  

EQ FICO - EQ08 - 850 - 6/17/14
TU FICO - TU08 - 850 - 6/17/14
EX FICO - EX08 - 850 - 6/17/14
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
0

Re: Left the Garden... for inebriated reasons....

Damn I just tore up my preapproved fingerhut app. I could had gotten the blender there. 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
android01
Posts: 1,207
Registered: ‎09-22-2009
0

Re: Left the Garden... for inebriated reasons....


LS2982 wrote:
That's a high tech blender right there :smileyhappy:

To those who buzz app:

If your first app is a denial, do you keep going until approved?

Nope, because I never get denied!.  I neglected to mention that i also applied for a 100,000 HELOC the same night.  Got approved but turned it down when I woke up the next morining......:smileysurprised: The Barclaycard was dumb, but the HELOC was just plain stupid.  They acutally reversed the inq for me as well, which I thought was very nice of them (US Bank). :smileyhappy:

EQ FICO - EQ08 - 850 - 6/17/14
TU FICO - TU08 - 850 - 6/17/14
EX FICO - EX08 - 850 - 6/17/14
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Left the Garden... for inebriated reasons....

So android had 2 apps.....

How many more that he's too ashamed to say..... :smileyhappy:



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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