Today's approvals!

[hedgeclipper2]

So, today was fun.

I went to Best Buy to buy a digital camera for myself from my mom for Christmas (it's easier if I buy my own gifts, I get the right ones!)

Well i have had my BBRZMC for like 6 months now, with a $600 CL, and no annual fee.

So on a whim I applied for the BB Store Card......APPROVED, with an $1,800 CL (on plan A, the lady on the phone even told me so!)

Then, I got in JCPenney's website, and asked for a CLI.  I had a $200 limit (opened 08/16/2010).  Approved instantly to $1,800!!!!!!

Yay today has been a great day!

[JM-AM]

Congrats on the approvals

[jnydc]

What were your stats.

Please don't tell me, FICO 800...I was really surprised.

[hedgeclipper2]

Fico's 690ish.

Income, $50k

11% Util (one $10k limit, a few $2K to $5k limits, and a few less than $1000 limits).

A 30/60 day late 2.5 years ago.  

2 inq's on EQ and TU.

LOTS of new accounts, about 12 this year.

[BungalowMo]

Congrats on your approvals & CLI's too!  Doesn't it feel good when the creditors say "YES"!!? 

[TheCreditKid]

Did you post this on [Edited] as well? I thought I saw the same post

I edited the url you posted because it violates the forum's Terms of Service which prohibit:

Spam, such as advertisements for other web sites and services 

-marinevietvet, myFICO moderator

[BrandonSS]

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@jthedges wrote:

Fico's 690ish.

Income, $50k

11% Util (one $10k limit, a few $2K to $5k limits, and a few less than $1000 limits).

A 30/60 day late 2.5 years ago.  

2 inq's on EQ and TU.

LOTS of new accounts, about 12 this year.

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How do you get away with only 2 Inquiries but 12 new accounts?  Congrats on your approvals!

[mross1080]

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@BrandonSS wrote:

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@jthedges wrote:

Fico's 690ish.

Income, $50k

11% Util (one $10k limit, a few $2K to $5k limits, and a few less than $1000 limits).

A 30/60 day late 2.5 years ago.  

2 inq's on EQ and TU.

LOTS of new accounts, about 12 this year.

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How do you get away with only 2 Inquiries but 12 new accounts?  Congrats on your approvals!

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#1 - The first rule of Fight Club is, you do not talk about Fight Club.

#2 - The second rule of Fight Club is, you DO NOT talk about Fight Club.

[Anonymous]

Yes!! I want to know this too!! I wish my inquiries would disappear!

[hedgeclipper2]

Well, for some reason, in Texas, EVERYONE LOVES EXPERIAN.  I got the new accounts.  Froze Experian, and applied away.  Anyone who wouldn't pull another bureau I said no thanks.  Almost everyone was willing.

Also, one of my new accounts was a mortgage, one was a new car, one was a refi of the new car.  2 from NFCU and 2 from RBFCU when I opened my checking account there.  So most of them were concentrated and I used them to replace my rebuilder cards.  I explained this to most underwriters in the application process, they all understood.  I have a way with words

I wanted to evenly split them up.