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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Pulled the trigger early!

[ Edited ]

Tran92 wrote:
Congrats what was your credit score when you got approved ?

THANK YOU!

 

I haven't checked my FICO recently but the last I checked it, it was between 700-720.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Pulled the trigger early!


kwazziee wrote:

I am surprise at 24% and approved. So this mean each CCC has their own internal scoring system. From what other have psoted high utl means denied. Enjoy your card. Me so jealousSmiley Tongue


24% isn't that high. I got instantly approved for the old CO PP with about 30% reporting. I was told that it was going to be discontinued so I applied immediately. A few days later it was gone, so I'm glad I pulled the trigger. Util didn't seem to be a deal-breaker there for Chase.
FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor
Posts: 651
Registered: ‎08-07-2012
0

Re: Pulled the trigger early!

Congrats!!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Regular Contributor
Posts: 211
Registered: ‎08-23-2012
0

Re: Pulled the trigger early!

I was approved 2 months ago with a 78% util. That was before I found myfico and all the nice people being able to help.

Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Pulled the trigger early!


alboto wrote:

I was approved 2 months ago with a 78% util. That was before I found myfico and all the nice people being able to help.


Woah! Approved with 78% util? That's amazing!

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






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Regular Contributor
Posts: 211
Registered: ‎08-23-2012
0

Re: Pulled the trigger early!


maiden_girl wrote:

alboto wrote:

I was approved 2 months ago with a 78% util. That was before I found myfico and all the nice people being able to help.


Woah! Approved with 78% util? That's amazing!


yeah! CL $500. The Credit analyst told me the reason they approved me was because I had Checking/savings with them for over 10 years.

Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Pulled the trigger early!


alboto wrote:

maiden_girl wrote:

alboto wrote:

I was approved 2 months ago with a 78% util. That was before I found myfico and all the nice people being able to help.


Woah! Approved with 78% util? That's amazing!


yeah! CL $500. The Credit analyst told me the reason they approved me was because I had Checking/savings with them for over 10 years.


Did you have to recon with them or was it instant approval? I was previously banking with WaMu before the buy out so I merged with Chase. I just haven't changed banks. They have a lot of account fees -_- lol

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Regular Contributor
Posts: 211
Registered: ‎08-23-2012
0

Re: Pulled the trigger early!


maiden_girl wrote:

alboto wrote:

maiden_girl wrote:

alboto wrote:

I was approved 2 months ago with a 78% util. That was before I found myfico and all the nice people being able to help.


Woah! Approved with 78% util? That's amazing!


yeah! CL $500. The Credit analyst told me the reason they approved me was because I had Checking/savings with them for over 10 years.


Did you have to recon with them or was it instant approval? I was previously banking with WaMu before the buy out so I merged with Chase. I just haven't changed banks. They have a lot of account fees -_- lol

 


No, but I got the 7 to 10 days message. A couple of days later I got a call and got asked for security questions and right there I got approved. I then called the next day to get a higher CL to no avail (obvious reasons lol). now my uti. is in 23% and once a couple of PIF cards post by the 27th I'll be in 4%, that is when I'll try for a CLI and BCE.

Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Pulled the trigger early!

At least you got it and didn't have to waste a HP! I wonder how Chase is with CLIs. I'll definitely be using this card a lot and sock drawing Cap1 even after my exec office call..LOL.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Regular Contributor
Posts: 211
Registered: ‎08-23-2012
0

Re: Pulled the trigger early!

I used it a lot and got my bonus lol, but I have to keep paying multiple times in a month just so I can keep using it. 

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