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Established Contributor
TheGardner
Posts: 642
Registered: ‎01-12-2014
0

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: 720 for all in 2014.
TU - 726 EX - 703 EQ - 697 myfico 3 score watch
Need to work on AAoA now..
In the Garden Oct 23, 2014 - ?
Established Contributor
eagle2013
Posts: 568
Registered: ‎12-27-2012
0

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.

Frequent Contributor
axledobe
Posts: 442
Registered: ‎02-03-2014
0

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***



Established Contributor
TheGardner
Posts: 642
Registered: ‎01-12-2014
0

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: 720 for all in 2014.
TU - 726 EX - 703 EQ - 697 myfico 3 score watch
Need to work on AAoA now..
In the Garden Oct 23, 2014 - ?
Established Member
dmmartinez
Posts: 30
Registered: ‎06-11-2013
0

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?

Valued Contributor
dodgerslv
Posts: 1,833
Registered: ‎06-16-2012
0

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.


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 9.5K) (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).





Frequent Contributor
axledobe
Posts: 442
Registered: ‎02-03-2014
0

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***



Established Member
dmmartinez
Posts: 30
Registered: ‎06-11-2013
0

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.

Frequent Contributor
axledobe
Posts: 442
Registered: ‎02-03-2014
0

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***



Established Member
dmmartinez
Posts: 30
Registered: ‎06-11-2013
0

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!


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