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New Contributor
GatorGuy
Posts: 351
Registered: ‎06-02-2013
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New cards and CL's - Fidelity WTH? - update

[ Edited ]

So I applied for the Navy Federal Flagship Rewards, Penfed VISA Platinum Cash Rewards and Fidelity Rewards American Express all at the same time. I got approved for the following CLs:

 

Navy Federal: $40k

Penfed: $20k

Fidelity: $1k

 

I have never been approved for such a low credit limit, even after coming out right after college. Is there something that I'm missing with these people? When I called and talked to card services she couldn't tell me anything, but just they make their decisions based off a variety of factors, blah blah blah.

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800
Moderator
09Lexie
Posts: 26,592
Registered: ‎09-13-2012
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Re: New cards and CL's - Fidelity WTH?

Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
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Re: New cards and CL's - Fidelity WTH?

OUCH!!!!!!

But congrats on the other 2

*8/10/13
New Contributor
GatorGuy
Posts: 351
Registered: ‎06-02-2013
0

Re: New cards and CL's - Fidelity WTH?

I have no idea. I did apply with them last. And I have two car loans in the last month along with the other two card applications. But that just seems absurd. I wish I could get the HP back.

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800
Valued Contributor
dodgerslv
Posts: 1,841
Registered: ‎06-16-2012
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Re: New cards and CL's - Fidelity WTH?


09Lexie wrote:
Wow! Are they inq/acct sensitive?

i was just going to ask the same thing...i think you can call UW and try to recon your limit right?


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Moderator
09Lexie
Posts: 26,592
Registered: ‎09-13-2012
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Re: New cards and CL's - Fidelity WTH?

Jeez! I was thinking about apping with them. Now I'm scared.
Valued Contributor
dodgerslv
Posts: 1,841
Registered: ‎06-16-2012
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Re: New cards and CL's - Fidelity WTH?


09Lexie wrote:
Jeez! I was thinking about apping with them. Now I'm scared.

same here Lex! i was debating for either the AMEX of Visa siggy....now not sure.


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

Re: New cards and CL's - Fidelity WTH?

Sounds like BoA/FIA to a T!

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
New Contributor
GatorGuy
Posts: 351
Registered: ‎06-02-2013
0

Re: New cards and CL's - Fidelity WTH?

What number would I call to recon a credit limit? I asked the CSR but she didn't give me that as an option. I have an income which puts me in the highest tax bracket and my fico is 777.

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800
Valued Contributor
dodgerslv
Posts: 1,841
Registered: ‎06-16-2012
0

Re: New cards and CL's - Fidelity WTH?

i think its under FIA...should be on the backdoor numbers list.


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).






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