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Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Miniature App Spree - How did I do?


ali5541 wrote:

Even though I still don't think I am in PrimeVille, I was hoping to get some opinions. 

 

I went on a miniature app spree and for once, it was actually fruitful.

 

I app'ed for the Amazon.com store card and instantly approved for $900, I called GE directly and asked them to increase it! Suprisingly, they did, $1,500.

I called up Chase and requsted a CL on my Freedom. Asked them for an additional 2K, denied. Spoke with an analyst and BAM! Approved, now standing at $6.5K (Third increase in under a year; 2K initial limit, 500 auto, 2K newest request)

 

Finally, I app'ed for the Discover IT. I have been wanting to get in with Discover for ages and I didn't hold my breath on an approval. Suprisingly, they offered me a counter offer. 3.99% for 6 months than 22.99. Did anyone get a counter offer from Discover? What was the limit? I still don't know mine.

 

Here is a little background on my profile:

 

Closed Cap1 Secured 1/2013 (Opened 1/2011)

Cap1 MTV $2K (Opened 6/2011)

BBY Store Card $3.1K (Joint, I'm Primary) (Opened 7/2011)

Chase Freedom $6.5K (Opened 3/2012)

Closed AMEX Zync PSL 1/2012 (Opened 08/2012)

Amazon.com Chase Visa $1.5K (Opened 1/2013)

 

No baddies, 3 year credit profile. Util always hovering around 30%

Inquires - Don't ask....tooo many

 

Future - I really really want the AMEX BCP and CSP but right now, LOL!!!


Congrats on the increases! And congrats on Discover!

 

Did Chase do HP for the Freedom Increase?


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!



Take the myFICO Fitness Challenge
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Miniature App Spree - How did I do?

Congrats! That is a great CLI on the Freedom!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
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09Lexie
Posts: 26,584
Registered: ‎09-13-2012
0

Re: Miniature App Spree - How did I do?

Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012
0

Re: Miniature App Spree - How did I do?

CONGRATS!!!  Excellent job, I love hearing things like this.  You're going to love Discover!


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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Miniature App Spree - How did I do?

CONGRATS!!!

 

I'm also interested in knowing if Chase did a HP for your increase!!!




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
Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
0

Re: Miniature App Spree - How did I do?


severine wrote:

Wow, congrats! Nice work on the Chase CL especially, I know they can be sticklers !


+1 Especially since Chase recon is notoriously rough on inquiry heavy appliacations.  Thats a awesome job!

 

Congrats!!


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Miniature App Spree - How did I do?


Pilotdude wrote:

severine wrote:

Wow, congrats! Nice work on the Chase CL especially, I know they can be sticklers !


+1 Especially since Chase recon is notoriously rough on inquiry heavy appliacations.  Thats a awesome job!

 

Congrats!!


This is true, they denied me on my 1st try with them on the freedom because of INQ's.

 




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
Established Member
ali5541
Posts: 31
Registered: ‎08-08-2012
0

Re: Miniature App Spree - How did I do?

Haha, thanks everyone. The advice on this forum is amazing.

 

Also, no notification from MyFICO and Citi Credit Monitoring yet from a Chase HP. I did get a notification for the Discover and Amazon/GE HPs. I am guessing that is a no HP from Chase. Is that unusual?

 

 


Current Score: 660 EQ 651 TU 677 EX (via CreditInform)
Starting Score: 639 EQ 654 TU 638 EX (via CreditInform)
Goal Score: 700 Across the Board


Take the FICO Fitness Challenge

What's in my wallet?

Cap1 Secured MC $500 | Cap1 Visa $750 | BBY Storecard $3,100 | Chase Freedom $4,000 | AMEX Zync $500
Frequent Contributor
ilovelisa
Posts: 421
Registered: ‎12-07-2012
0

Re: Miniature App Spree - How did I do?


ali5541 wrote:

Even though I still don't think I am in PrimeVille, I was hoping to get some opinions. 

 

I went on a miniature app spree and for once, it was actually fruitful.

 

I app'ed for the Amazon.com store card and instantly approved for $900, I called GE directly and asked them to increase it! Suprisingly, they did, $1,500.

I called up Chase and requsted a CL on my Freedom. Asked them for an additional 2K, denied. Spoke with an analyst and BAM! Approved, now standing at $6.5K (Third increase in under a year; 2K initial limit, 500 auto, 2K newest request)

 

Finally, I app'ed for the Discover IT. I have been wanting to get in with Discover for ages and I didn't hold my breath on an approval. Suprisingly, they offered me a counter offer. 3.99% for 6 months than 22.99. Did anyone get a counter offer from Discover? What was the limit? I still don't know mine.

 

Here is a little background on my profile:

 

Closed Cap1 Secured 1/2013 (Opened 1/2011)

Cap1 MTV $2K (Opened 6/2011)

BBY Store Card $3.1K (Joint, I'm Primary) (Opened 7/2011)

Chase Freedom $6.5K (Opened 3/2012)

Closed AMEX Zync PSL 1/2012 (Opened 08/2012)

Amazon.com Chase Visa $1.5K (Opened 1/2013)

 

No baddies, 3 year credit profile. Util always hovering around 30%

Inquires - Don't ask....tooo many

 

Future - I really really want the AMEX BCP and CSP but right now, LOL!!!


With Discover, I applied online, the website told me to call in for an instant decision, i did, got the exact same counter offer, and got a $1000 limit.

Amex BCE $6,000 | BofA Power Rewards WMC $10,000 | Chase Freedom VS $10,000 | Chase Marriott Premier VS $5,000 | DCU $1,000 | Discover It $1,900 | Elan VS $9,000 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $5,000 | SallieMae Rewards $8,000
Contributor
Bobert22
Posts: 236
Registered: ‎01-20-2013
0

Re: Miniature App Spree - How did I do?

Chase's inquiry was reported after 2 days with my credit monitoring system.

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)

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