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09Lexie
Posts: 24,195
Registered: ‎09-13-2012

Re: Premature but Wildly Successful App Spree After Car Loan Pre-approval

Established Member
NewYorkGuy
Posts: 111
Registered: ‎04-07-2011

Re: Premature but Wildly Successful App Spree After Car Loan Pre-approval


HiLine wrote:

Awesome plan! Both the 4 new cards and the 1.9% APR car loan sound like killer deals to me! :smileylol:

 

Just wondering though, do you know why they didn't approve you instantly? Do you have something not completely favorable on your reports? :robothappy:

 


I have a ton of inquiries on my Experian which most of them pulled. I now have 16 inquiries on Experian after the spree, however a couple of them are due to fall off next month per 2 year rule. I also have a bunch of new accounts that I opened up last year ~ 9 in total. So I think the computer automatically flags my apps for further review due to those two factors.

 

The big thing in my favor is the fact that I have a clean report with no derogotory remarks. I have never missed a payment and my reported util is extremely low at around 0.5% out of credit lines totalling of $98, 000+ before the spree.

Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: Premature but Wildly Successful App Spree After Car Loan Pre-approval

Very nice spree, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Contributor
scenery_guy
Posts: 949
Registered: ‎07-24-2012

Re: Premature but Wildly Successful App Spree After Car Loan Pre-approval

Nice app spree! I see you did recon call with Citi. Can you share what number you used for that call? I tried to recon a card earlier today and got a foreign call center, very scripted. Would love to try again before writing the EO. 

Established Member
NewYorkGuy
Posts: 111
Registered: ‎04-07-2011

Re: Premature but Wildly Successful App Spree After Car Loan Pre-approval


scenery_guy wrote:

Nice app spree! I see you did recon call with Citi. Can you share what number you used for that call? I tried to recon a card earlier today and got a foreign call center, very scripted. Would love to try again before writing the EO. 


Actually Citi wasn't really a recon. I got the pending message then I called the backdoor number the next day. I just couldn't wait for them to process the app on their own time. I think me calling definitely helped though. :smileywink:

 

Anyways you can find all the backdoor numbers that I used today here.

Established Contributor
scenery_guy
Posts: 949
Registered: ‎07-24-2012

Re: Premature but Wildly Successful App Spree After Car Loan Pre-approval


NewYorkGuy wrote:

scenery_guy wrote:

Nice app spree! I see you did recon call with Citi. Can you share what number you used for that call? I tried to recon a card earlier today and got a foreign call center, very scripted. Would love to try again before writing the EO. 


Actually Citi wasn't really a recon. I got the pending message then I called the backdoor number the next day. I just couldn't wait for them to process the app on their own time. I think me calling definitely helped though. :smileywink:

 

Anyways you can find all the backdoor numbers that I used today here.


Thanks bro, I will hit them up tomorrow. I got the "application received and we will contact you screen", assuming decline. 


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