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Not sure if its worth waiting

Valued Contributor

Re: PFD's Finally Updated!

With no inquiries in the last 2 years may be worth a shot. Worst case you get a HP no new credit, best case you get an aged account! 

 

Good luck!

If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 21 of 31
Established Contributor

Re: PFD's Finally Updated!

AMEX invariably pulls EX. My EX was 695 when I applied last week with a paid C/O from 2009 still reporting. I don't think your scores are so much the issue as you not having any record of responsible credit card use. You don't have any inqs so it is worth a shot, imo just to see where you stand.

Message 22 of 31
Frequent Contributor

Re: PFD's Finally Updated!

OP- I would try both Barclay and Discover's prequalify link and see if you get any offers.  If you decide to app for the Barclay rewards, go for the 'average' credit one.  Before you decide to app, you can try all the prequal links (Citi, Chase, Discover, Barclay, AMEX).  See if any give you the verbiage "you're prescreened/prequalified offers" and look for the opt out prescreen notification.  I would certainly start there.

 

Good luck no matter what you decide.  


FICO SCORES: TU 769; EX 790; EQ 790 ***Gardening indefinitely***



Message 23 of 31
Valued Contributor

Re: PFD's Finally Updated!

Maybe try for the PRG or green charge card first. Supposed to be easier to get.

If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 24 of 31
Established Member

Re: PFD's Finally Updated!

awesome:

 

No pre-quals for Amex, Citi, or Discover

 

Was prequal for Barclay Arrival

Was prequal for Capital One Quicksilver and Venture

Was prequal for Chase Slate and Freedom

 

Suggestions?


Amex Blue Cash 3k - Chase CSP 10k - Chase Freedom 3k - Capital One Quicksilver 5k- Chase Slate 5k TU 630 EQ 660 ES 667
Message 25 of 31
Valued Contributor

Re: PFD's Finally Updated!


dmmartinez wrote:

awesome:

 

No pre-quals for Amex, Citi, or Discover

 

Was prequal for Barclay Arrival

Was prequal for Capital One Quicksilver and Venture

Was prequal for Chase Slate and Freedom

 

Suggestions?


I would go for the Freedom. Great card to have.

gardening since 5/21/2016
Message 26 of 31
Frequent Contributor

Re: PFD's Finally Updated!


dmmartinez wrote:

awesome:

 

No pre-quals for Amex, Citi, or Discover

 

Was prequal for Barclay Arrival

Was prequal for Capital One Quicksilver and Venture

Was prequal for Chase Slate and Freedom

 

Suggestions?


Of those, it depends on what you want in a card.  If you want 5% rotating categories with 1% on everything else, I would go Freedom.  If you want 1.5% back across the board, I would go QS.  If you're a traveler, you might consider the Arrival.  I would personally go for either the Freedom or QS.  I have a QS and the rewards add up pretty quickly and can be redeemed at any time (no minimum).   Chase will likely be a double pull (EX and TU, EX and EQ, etc.) and CapOne will almost certainly be a triple pull (all three bureaus).  Barclay should be a TU only pull.  Hope this helps.

 

I have a feeling we have an approval thread coming soon.  I'm getting excited for you!


FICO SCORES: TU 769; EX 790; EQ 790 ***Gardening indefinitely***



Message 27 of 31
Established Member

Re: PFD's Finally Updated!

Sad! 

 

Just applied for Chase Freedom and was told they will notify me in 10 days if they approve me.

-- Is there a number or something that I can call to find out sooner?

 

Is it worth applying for another card? Was thinking per previous posts either CapOne QS, Barclays Arrival, or Amex PRG?

 

Not sure if I should risk the hard pulls.


Amex Blue Cash 3k - Chase CSP 10k - Chase Freedom 3k - Capital One Quicksilver 5k- Chase Slate 5k TU 630 EQ 660 ES 667
Message 28 of 31
Frequent Contributor

Re: PFD's Finally Updated!


dmmartinez wrote:

Sad! 

 

Just applied for Chase Freedom and was told they will notify me in 10 days if they approve me.

-- Is there a number or something that I can call to find out sooner?

 

Is it worth applying for another card? Was thinking per previous posts either CapOne QS, Barclays Arrival, or Amex PRG?

 

Not sure if I should risk the hard pulls.


Oh no.  You don't have to wait.  I would call them right now.  From the backdoor numbers thread, Chase: 888-270-2127 (App recon) looks to be the number you should call.  Let us know how it goes!  Fingers crossed.


FICO SCORES: TU 769; EX 790; EQ 790 ***Gardening indefinitely***



Message 29 of 31
Established Member

Re: PFD's Finally Updated!

Cliffhanger!

 

I need to call the App Verification Team and theyre gone for the day.

She said it was probably fine, but that I can chat with them during business hours.

 

If this is helpful to anyone, the Chase App Verification Team # 800-278-8830

 

Thanks so much for the support, I'll keep everyone posted!

This means so much to me. Its been a surprisingly emotional experience!


Amex Blue Cash 3k - Chase CSP 10k - Chase Freedom 3k - Capital One Quicksilver 5k- Chase Slate 5k TU 630 EQ 660 ES 667
Message 30 of 31