Reply
Valued Member
Mace
Posts: 35
Registered: ‎03-01-2010
0

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

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 :smileysurprised: (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.

2007 - All Scores low 500's
06 DEC 2010 - EQ 696: TU (FAKO) 720: EX (FAKO) 730 (650 pulled by GMAC)
3/10 BBRZMC $100, 9/12 $700; 9/10 USAA Plat. MC $3000; 12/10 Barclaycard (iTunes) Visa $2500 now $4200; 12/10 Citi Forward Visa $5000, 6/11 $6200; 12/10 AMEX Zync; 4/11 BofA CR Sig Visa $5000; 9/12 AMEX Hilton HHonors Surpass $1000; 9/12 Discover IT $1000
Established Contributor
mross1080
Posts: 527
Registered: ‎04-21-2010
0

Re: Mini App Spree.....HAT TRICK!!!

Congrats!

Moderator Emeritus
MarineVietVet
Posts: 14,248
Registered: ‎07-14-2009
0

Re: Mini App Spree.....HAT TRICK!!!

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".

Established Contributor
TheCreditKid
Posts: 626
Registered: ‎08-14-2010
0

Re: Mini App Spree.....HAT TRICK!!!

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

______________________________________________________________________________________________________________

All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas
Valued Contributor
JM-AM
Posts: 3,303
Registered: ‎06-09-2010
0

Re: Mini App Spree.....HAT TRICK!!!

 


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 :smileysurprised: (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.


 

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

 

 

Good Luck
May all your dreams and wishes become a reality!
Valued Member
Mace
Posts: 35
Registered: ‎03-01-2010
0

Re: Mini App Spree.....HAT TRICK!!!

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. :smileyhappy:

2007 - All Scores low 500's
06 DEC 2010 - EQ 696: TU (FAKO) 720: EX (FAKO) 730 (650 pulled by GMAC)
3/10 BBRZMC $100, 9/12 $700; 9/10 USAA Plat. MC $3000; 12/10 Barclaycard (iTunes) Visa $2500 now $4200; 12/10 Citi Forward Visa $5000, 6/11 $6200; 12/10 AMEX Zync; 4/11 BofA CR Sig Visa $5000; 9/12 AMEX Hilton HHonors Surpass $1000; 9/12 Discover IT $1000
Established Contributor
TheCreditKid
Posts: 626
Registered: ‎08-14-2010
0

Re: Mini App Spree.....HAT TRICK!!!

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

______________________________________________________________________________________________________________

All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas
Epic Contributor
Creditaddict
Posts: 21,015
Registered: ‎10-23-2007
0

Re: Mini App Spree.....HAT TRICK!!!

 


TheCreditKid wrote:

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


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.

 

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Established Contributor
TheCreditKid
Posts: 626
Registered: ‎08-14-2010
0

Re: Mini App Spree.....HAT TRICK!!!


Creditaddict wrote:

 


TheCreditKid wrote:

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


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.

 


..... no comment.

______________________________________________________________________________________________________________

All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas
Frequent Contributor
MyFicoAddict
Posts: 284
Registered: ‎05-11-2009
0

Re: Mini App Spree.....HAT TRICK!!!


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 :smileysurprised: (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.


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

Aim to be fiscally and physically fit...
EQ - 723 FICO as of Aug 2010
TU - 757 FICO as of Sept 2010
EX - 742 FICO as of Oct 2010 (PSECU)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}