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New Contributor
Posts: 55
Registered: ‎10-10-2012
0

Mini App Spree and CLI

For a few months I had a preapproved increase message from DCU that I kept ignoring. Today at work I was a little bored so I decided to go for it to see what would happen and it gave me a message that I would get a call from DCU. After an hour I logged into my account and noticed my credit limit was now double.

 

After work I decided it was time to do what I have been planning to do since Dec and that was app for a BCP. I went to the creditcard.com cardmatch and it had me matched up for the BCP for a couple of months now with the $250 bonus offer. I filled the app out and BOOM!!! Instant approval.

 

Since I was on a roll I decided what the hell and apped for a Chase Freedom card. Again, another instant approval. At this point it was time to push my luck and BofA has been hitting me up with preapprovals on their MLB card so I apped and got the 30 day Smiley Sad Do they have a backdoor/recon number?

 

After feeling a little bummed for a few seconds I decided to try and get a CLI on my Amazon store card to cheer me back up. Called in and after a few minutes my request was approved.  Not a bad app/CLI spree Smiley Very Happy Smiley Very Happy Smiley Very Happy Smiley Very Happy and here are the results....

 

DCU Platinum CLI: $5k to $10k

Amazon Store card: $3.5k to $8k I should have asked for $10K :\ lol

Amex BCP Instant Approval: $9k

Chase Freedom Instant Approval: $6k

 

Total cred limit increase for the day: $24,500

 

Now for the stats...

TU: 4 last one Nov '12 - 756 FICO from last CLI on my GAP card three weeks ago

EQ: 4 inq last one Dec '12 - 743 Myfico/752 DCU FICO

EX: 7 inq last one Nov '12 - 730 Experian Direct FAKO

 

8% Util and all three bureaus are clean and AAoA 6.5 years.

 

Not bad for a guy that had low 500's a year and a half ago with several baddies and SL defaults.

April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...
Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: Mini App Spree and CLI

Nice day for you congrats 

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?
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Mini App Spree and CLI

Wow, what a great day this was for you!  Congrats!

 

Oh and where do the preapprovals show up for DCU?  Obviously I've never seen one for myself but am just curious Smiley Very Happy.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Mini App Spree and CLI

New Contributor
Posts: 55
Registered: ‎10-10-2012
0

Re: Mini App Spree and CLI

When I logged in I saw "Congratulations! You have been preapproved for a new loan." right under the Account Manager icon on the home page.  It also says I'm preapproved for a car loan... So tempting Smiley Very Happy

April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...
Frequent Contributor
Posts: 357
Registered: ‎01-16-2013
0

Re: Mini App Spree and CLI

Congrats. I am hoping to pick up the BCP and Chase Freedom as well as soon as I hit the 6 month mark in the garden. I will be done apping for CCs for the forseeable future at that point.



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 777, myFICO TU: 778, myFICO EX: 779
My Wallet: NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 06/08/15
Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Mini App Spree and CLI

Awesome mini spri, congrats.

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
0

Re: Mini App Spree and CLI

Congrats!

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: Mini App Spree and CLI

Congrats! Nice haul.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Mini App Spree and CLI

Very nice app spree!! CONGRATS!!



EQ FICO 548 3/3/16

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