Mini App Spree.....HAT TRICK!!!

[Mace]

Last Friday I decided to apply for a few credit cards (one of them may have been Thursday) not thinking I would be too succesful. Here are my results:

1. AMEX Zync - APPROVED
2. Citi Forward - APPROVED Limit: $5000 (now my highest)
3. Barclay iTunes - Instantly Declined. Called for recon and was APPROVED for $2500.  (If anyone would like details about the Recon feel free to ask)

And to think, before March I had NO credit cards and the only things in my credit reports was a revolving account that has been closed since 2005 and a paid/released tax lien from 2006.

Thank you everyone here in the myFico community.

[mross1080]

Congrats!

[MarineVietVet]

I know the advice and support here is second to none but you had to do all the hard work.

Congratulations.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[TheCreditKid]

Congrats!!! I tried to recon 2x with Discover.... but failed

[JM-AM]

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@Mace wrote:

Last Friday I decided to apply for a few credit cards (one of them may have been Thursday) not thinking I would be too succesful. Here are my results:

1. AMEX Zync - APPROVED
2. Citi Forward - APPROVED Limit: $5000 (now my highest)
3. Barclay iTunes - Instantly Declined. Called for recon and was APPROVED for $2500.  (If anyone would like details about the Recon feel free to ask)

And to think, before March I had NO credit cards and the only things in my credit reports was a revolving account that has been closed since 2005 and a paid/released tax lien from 2006.

Thank you everyone here in the myFico community.

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Congrats on the new cards.

As I am not applying for this card it is irrelevant to myself but I will ask what the details are so others who do apply have an easier way of seeing what happened in your experience.

Thank you

[Mace]

The recon was actually pretty straight forward. I called the number listed in the backdoor thread. When the analyst answered, I told him I applied for and was declined a card. He then asked a few identity questions and my HHI. I was asked how much I was looking to spend with apple. I informed him that I really just wanted to use it like a regular revolving account, but that I am in market for a laptop. He then informed me that he approved me for $2500 and I should receive my card within 7-10 days.

That was it.

[TheCreditKid]

Lucky.... I was on the phone with Discover for nearly 45 minutes, still denied!

[Creditaddict]

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@TheCreditKid wrote:

Lucky.... I was on the phone with Discover for nearly 45 minutes, still denied!

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Discover has lost it's luster with me.  I manage the business card that is in my moms name, when she originally applied over 2 years ago, they would not issue anymore credit than the $8600 she had on personal card, so we moved $2200 to the business card and they opened it... Flash forward to maybe beginning of this year and they started CLD the business account, 3 times now and it's at $900 now...  Don't really use it anymore now that it reports to personal credit but just thought it was silly for them to take away like $200 at a time.

[TheCreditKid]

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@Creditaddict wrote:

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@TheCreditKid wrote:

Lucky.... I was on the phone with Discover for nearly 45 minutes, still denied!

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Discover has lost it's luster with me.  I manage the business card that is in my moms name, when she originally applied over 2 years ago, they would not issue anymore credit than the $8600 she had on personal card, so we moved $2200 to the business card and they opened it... Flash forward to maybe beginning of this year and they started CLD the business account, 3 times now and it's at $900 now...  Don't really use it anymore now that it reports to personal credit but just thought it was silly for them to take away like $200 at a time.

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..... no comment.

[Anonymous]

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@Mace wrote:

Last Friday I decided to apply for a few credit cards (one of them may have been Thursday) not thinking I would be too succesful. Here are my results:

1. AMEX Zync - APPROVED
2. Citi Forward - APPROVED Limit: $5000 (now my highest)
3. Barclay iTunes - Instantly Declined. Called for recon and was APPROVED for $2500.  (If anyone would like details about the Recon feel free to ask)

And to think, before March I had NO credit cards and the only things in my credit reports was a revolving account that has been closed since 2005 and a paid/released tax lien from 2006.

Thank you everyone here in the myFico community.

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Congrats - NICE! Just ensure you pay Citi on time and keep uti low and you should see the luv button appear.