Credit Cards

[Smerri1029]

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.

[Strepthroat]

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.

[Strepthroat]

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. 

[caffeine_addict]

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.

[My2cents]

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

Ole My2cents

[My2cents]

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

[coder2010]

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.

[caffeine_addict]

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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.

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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?

[O6]

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.

[damet]

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