Now this Credit approval denial is funny

vollybal · ‎11-26-2008

Ok so I was in Kohls and I wanted to get a CC as they have a few nice things, including some sparkly stuff for the DW. Well I got the denied letter and was like OH well...Well i was having some time to kill and I saw that Kay jewers was having a sale so i went in looking around and saw some nice diamond solitaire earrings. guy comes over and is like santa cash this, no fianacing for 12 months that....I was like there is no way they will approve me after getting turned down from kohls and having walmart do a CLD. But I was like these are nice earrings and what the heck. So I went ahead and applied. The guy looks at the screen and smurks at it as someone would do if it came back not approved. Then something printed out and I WAS APPROVED FOR $6500.00!!! WOW is all I could say as that is the higest CL I have gotten since our BK in 2002. SO cool...I wish they carried Breitling watches as I want one!!! So I not only did I get a great CL and a nice gift for my DW, But her B-day is in the end of Januaryand I now have $600 in santa dollars for that as well!!!

Have a great Thanksgiving everyone!!!

MidnightVoice · ‎11-26-2008

happy Thanksgiving - the Credit Gods must be in a good mood

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

marty56 · ‎11-26-2008

They have agressive Black Friday adds. Perhaps the week of Black Friday is a good time to app. Enjoy the card.

Message Edited by marty56 on 11-27-2008 07:05 AM

1/25/2021: FICO 850 EQ 848 TU 847 EX

Anonymous · ‎11-26-2008

I am sure you were pleasantly suprised! Enjoy your new card!

laz98 · ‎11-26-2008

wow, congrats! i have yet to use my kay card.....

Gotagoal · ‎11-26-2008

That's great news! Congrats! What were your real Fico scores? Just curious since we all have a story and knowing your scores is VERY helpful!!

Now you have one more thing to be thankful for!! Woo hoo!!

vollybal · ‎11-27-2008

My fico scores from the time I got the approveals were:

TU -- 638

EQ -- 608

EX -- 684

spiritcraft1 · ‎11-27-2008

Congrats...

So what is on your EX report? Since it is your highest, you might try to put that to work...

Macy's, Patelco CU etc...

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

vollybal · ‎11-27-2008

I have a BK from 2002 and a couple collections from 05. Do you think I would be ok for a high limit CL Visa/MC??? Say at least 3k??? And would I be able to get it before Christmas?? Have a few things I am looking to do and then pay them off in mid april after that nice Tax crediut comes in.

Thanxs

fishbjc · ‎11-27-2008

Congratulations! Please remember that charging, charging, charging is what got us into trouble in the first place. Just think twice about those purchases!

I'm being VERY remindful of that as well. I'm actually recycling a gift. DH won a Bose Acoustamass Home Theater System.....Merry Christmas to our son!