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Regular Contributor
Posts: 190
Registered: ‎10-22-2010
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Re: Suggestion: Credit Card Approvals!

[ Edited ]

 

APPROVED CREDIT CARD: Citi Dividend Platinum Select
BUREAU PULLED: EX
CREDIT SCORE: FICO EQ 731; FAKO EX 727; FICO TU 717
CUSTOMER STATE OF RESIDENCE: MA
AAOA: 1 Year
UTILITIZATION: EQ says 1%, TU says 6% so somewhere in there.
HHI:
CREDIT LIMIT: $4,300
MISCELLANEOUS COMMENTARY: I applied online on Sunday and was notified my app was pending further review. They never contacted me for any additional info and on Wednesday I received an e-mail advising I was approved.

 

What's In My Wallet:American Express Starwood Preferred Guest Business Card, American Express Costco True Earnings, Citi AA Visa, Chase Freedom
What's In My Sock Drawer: American Express Starwood Preferred Guest Card, Chase Sapphire Preferred, Citi AA AmEx, Chase United Mileage Plus Explorer Card, Barclays US Air, Discover More, Bank of America Accelerated Rewards AmEx, Citi Dividend Platinum Select, LEM FCU Visa, SME FCU Visa
Frequent Contributor
Posts: 262
Registered: ‎06-13-2008
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Re: Suggestion: Credit Card Approvals!

[ Edited ]
APPROVED CREDIT CARD: Citi Dividend Platinum Select
BUREAU PULLED: EXP
CREDIT SCORE: FICO EQ 706; FICO TU 716
CUSTOMER STATE OF RESIDENCE: GA
AAOA: 3 Years
UTILITIZATION: 6%
HHI: $90,000
CREDIT LIMIT: $8,800
MISCELLANEOUS COMMENTARY: Immediate approval, applied online.
Marriott Rewards Visa $25,000; AirTran A+Rewards Visa $25,000; PFCU Visa $17,000; Barclay B&N MasterCard $12,000; GUCU Visa $10,500; Nordstrom Visa $10,000; GOCU Visa $10,000; Ann Taylor MasterCard $6,400; US Bank Perks Plus Visa $5,000; Barclay Arrival MasterCard $5,000; Quicksilver One $3,000; Capital One Classic $3,000; Amazon Visa $500; Sam's Club MasterCard $250; Dillards AMEX $250; Wal-Mart MasterCard $250.
Frequent Contributor
Posts: 262
Registered: ‎06-13-2008
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Re: Suggestion: Credit Card Approvals!

APPROVED CREDIT CARD: AMEX Blue Sky Preferred
BUREAU PULLED: EXP
CREDIT SCORE: FICO EQ 706; FICO TU 716
CUSTOMER STATE OF RESIDENCE: GA
AAOA: 3 Years
UTILITIZATION: 6%
HHI: $90,000
CREDIT LIMIT: $10,000
MISCELLANEOUS COMMENTARY: Was a preapproval offer.  Applied online.  AMEX Rep called me at work to verify employment, HHI and asked a few security questions, then told me I was approved. 
Marriott Rewards Visa $25,000; AirTran A+Rewards Visa $25,000; PFCU Visa $17,000; Barclay B&N MasterCard $12,000; GUCU Visa $10,500; Nordstrom Visa $10,000; GOCU Visa $10,000; Ann Taylor MasterCard $6,400; US Bank Perks Plus Visa $5,000; Barclay Arrival MasterCard $5,000; Quicksilver One $3,000; Capital One Classic $3,000; Amazon Visa $500; Sam's Club MasterCard $250; Dillards AMEX $250; Wal-Mart MasterCard $250.
Member
Posts: 21
Registered: ‎03-09-2010
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Re: Suggestion: Credit Card Approvals!

[ Edited ]

 

APPROVED CREDIT CARD: Chase United Mileage Plus Select
BUREAU PULLED: EXP
CREDIT SCORE: FICO EQ 708; FICO TU 743 FAKO EX 788
CUSTOMER STATE OF RESIDENCE: HI
AAOA: 6 Years
UTILITIZATION: 2%
HHI: 
CREDIT LIMIT: $23,500
MISCELLANEOUS COMMENTARY: Applied online.  Instant approval.  First app in a good 2-3 years.  Seems it was well worth the wait!  Now my highest CL.  FYI, they ONLY pulled EX score.  Also, closed an OLD WaMu account and combined CL is 26,500 now!

 

 

EDITED TO ADD:  I also app'd for the AMEX PLAT CHARGE the same day online right after Chase and was instantly approved.  I've had an AMEX since 07 and have always PIF. They probably pulled EX as well though.  These two cards had 50K point offers EACH.  Totally worth comming out of hibernation, lol.


Starting Score (02/11/10) TU FICO 711 EQ FICO 707 (02/16/10) EX FICO 643!!!
Current Score: (04/06/11)TU FICO 772 EQ FICO 786 (11/09/10, lender pull) EX FICO 703
Goal Score: 800+


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Regular Contributor
Posts: 231
Registered: ‎02-16-2008
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Re: Suggestion: Credit Card Approvals!

Does anyone in AL get approved for anything other than National Championships (Alabama/Auburn).

 

Ole My2cents:smileywink:

700 Club Member
Regular Contributor
Posts: 231
Registered: ‎02-16-2008
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Re: Suggestion: Credit Card Approvals!

APPROVED CREDIT CARD: Barclay Mastercard
BUREAU PULLED:TU
CREDIT SCORE:707
CUSTOMER STATE OF RESIDENCE: AL as in Alabama
AAOA: 8yrs
UTILITIZATION: 9%
HHI:103000
CREDIT LIMIT: 3600
MISCELLANEOUS COMMENTARY:
Ole My2cents:smileywink:
700 Club Member
Valued Member
Posts: 36
Registered: ‎10-29-2010
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Re: Suggestion: Credit Card Approvals!

Congrats! How long have you banked with Chase? If you don't mind my asking, do you large deposits there or brokerage/retirement accounts with them? I'm thinking of apping, but have only been a customer for a few weeks.

Member
Posts: 21
Registered: ‎03-09-2010
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Re: Suggestion: Credit Card Approvals!

 


coder2010 wrote:

Congrats! How long have you banked with Chase? If you don't mind my asking, do you large deposits there or brokerage/retirement accounts with them? I'm thinking of apping, but have only been a customer for a few weeks.


 

Thanks!  I actually do not have a banking relationship with Chase at all, in the traditional sense.  I have a former Circuit City-now-Best Buy store card @ 2K and a former Wamu CC (now closed).  However I do have two mortages and I sometimes think they(creditors) are reverse engineering my assets/income by calculating the size of my (estimated) assets based on the mortgage amount.  My personal thoughts are that this is why mortgage accounts are given such deference in credit calculation.

 

Hope this helps?


Starting Score (02/11/10) TU FICO 711 EQ FICO 707 (02/16/10) EX FICO 643!!!
Current Score: (04/06/11)TU FICO 772 EQ FICO 786 (11/09/10, lender pull) EX FICO 703
Goal Score: 800+


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Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009
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Re: Suggestion: Credit Card Approvals!

APPROVED CREDIT CARD: Navy Federal Visa
BUREAU PULLED: EQ
CREDIT SCORE: FICO EQ 741; FICO TU 758
CUSTOMER STATE OF RESIDENCE: OR
AAOA: 1.8 Years
UTILITIZATION: 1%
HHI:
CREDIT LIMIT: $25,000
MISCELLANEOUS COMMENTARY: Applied online, no instant approval.  3 hours later notified via e-mail that they reached a decision.
IAALBNYL
Regular Contributor
Posts: 104
Registered: ‎09-24-2008
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Re: Suggestion: Credit Card Approvals!

APPROVED CREDIT CARD: Citi Diamond Preferred
BUREAU PULLED: TU
CREDIT SCORE: 729
CUSTOMER STATE OF RESIDENCE: HI
AAOA:  1 Yr
UTILIZATION: 0%
HHI: 52k
CREDIT LIMIT: 6.8K
 
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