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Established Contributor
heirophant
Posts: 532
Registered: ‎11-25-2007

UPDATED Good Haul over Last Week - 3 out of 5...WAIT...4 out of 6

[ Edited ]

Got approved for 3 out of 5 requests over the last week.  First, last week, went from 1K to 10K on my BECU card.  Got Citi Forward (instant approval) at $6500.  Got BOA Travel Rewards Visa Signature (had to call for verification of address) at 5K.  Got US Bank Cash+ Visa Signature for 5K.  Not instant, but just called this morning and talked to a human and was told approved (thier automated system still said processing).

 

So, 2 of them (Citi and BOA), I have a CO with from 2005, so I can report that they have let me back in...and with decent limits!  BECU pulled TU, BOA and US Bank pulled EX.

 

Chase denied CLI request, stating I have enough available credit.  AMEX declined BCE, stating that my utilization was too high.  I will admit it was around 22% UTIL, but that hardly seems high.  Recon did not work.  In both cases I talked to a human.  On the plus side, both were soft pulls.

 

Still want my Discover back, which was also a CO in 2005, but it is still showing on EQ.  If it falls of before these post to my CBR's, I will app, otherwise, I will have to wait at least a year.

 

Anyway, some nice new cards and nice limits.  I am on cloud 9 right now!  

FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
Contributor
SpiceIslander
Posts: 315
Registered: ‎02-01-2010

Re: Good Haul over Last Week - 3 out of 5

Super job! Congrats!!!

Meg.

FICO: 02/2014 - TU 756 | EQ ??? | EX 769

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 7100 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 3000 | Sam's Club 3000 | Sears 900
Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: Good Haul over Last Week - 3 out of 5

How long had you had the PR Gold Amex before you applied for the BCE? How much did you push through it per month?
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Established Contributor
heirophant
Posts: 532
Registered: ‎11-25-2007

Re: Good Haul over Last Week - 3 out of 5

I have had the Reward Plus Gold since 2008. I push between 2k-4k per month. That is one of the reasons I was suprised it wasn't instant. Honestly, I think BCE is a better fit for me and I want to cancel the Gold. The fees are too high and rewards too low.
FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
Established Contributor
heirophant
Posts: 532
Registered: ‎11-25-2007

Re: Good Haul over Last Week - 3 out of 5

I really wanted BCE for the back-dating as well.
FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
New Contributor
G19OD
Posts: 87
Registered: ‎06-19-2012

Re: Good Haul over Last Week - 3 out of 5

I was recently approved for a BECU Visa @ 1k. Could you tell me your process for getting that increased to 10k?

AMEX BCE ($15.1k), BoA Alaska Airlines Visa Signature ($11k), Citi Forward Visa Signature ($5k), BECU Personal LoC ($5k), Chase Freedom ($4.5k), Discover IT ($4.2k), BoA BankAmericard 1-2-3 (1.9k), BECU ($1k), AMEX Zync NSPL
Established Contributor
heirophant
Posts: 532
Registered: ‎11-25-2007

Re: Good Haul over Last Week - 3 out of 5

[ Edited ]

G19OD wrote:

I was recently approved for a BECU Visa @ 1k. Could you tell me your process for getting that increased to 10k?


No process really.  I was actually declined in early 2010 for the BECU Visa, called back and pleaded my case.  They said I was automatically declined by the system because of deragatory accounts.  I explained to them that I had paid them 3 years prior and nothing was newer than that.  They approved for 1K @ 18%.  1 year later after good payment history, they automatically reduced my APR to 12.9%.  Then, last week, I called and asked for a CLI to do about 4K balance transfer and requested 8K.  Their system automatically approved to 10K.  I was quite pleased.  I really didn't do anything special, just paid my bills on time.  A few PIF's.  Its nice to have a limit like that with a CU because you know they won't play any rate/limit games.  That is the reason I am cancelling Juniper.  Barclay's is too fickle and have not treated me with very much respect the last couple of years.

 

BECU did pull TU.  That is where I got the FICO from.

 

FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
Established Contributor
heirophant
Posts: 532
Registered: ‎11-25-2007

Re: Good Haul over Last Week - 3 out of 5..WAIT...4 out of 6

OK, so I don't know if it still exists because I took quite a break from these boards, but I need the sleigh center...if anybody remembers that rehab joint.  Got some great approvals from my app spree.  Got approved for my best interest rate today at 10.5 and second-best CL at $6,900.  Guess what, it was a credit union - AlaskaUSA FCU.  And I know they won't have any intention of messing with my limits/rates as long as I pay at least the minimum.  This is great.  Interesting note - most CU's seem to pull EQ from what I see around here.  They pulled TU.  So, now it is off to update whogavemecredit.com with scores and limits for my app spree and and garden for years.  I am set with some pretty great cards.  I have decided I really don't need Discover with my current crop of cards and will not be applying. 

FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Good Haul over Last Week - 3 out of 5..WAIT...4 out of 6


heirophant wrote:

OK, so I don't know if it still exists because I took quite a break from these boards, but I need the sleigh center...if anybody remembers that rehab joint.  Got some great approvals from my app spree.  Got approved for my best interest rate today at 10.5 and second-best CL at $6,900.  Guess what, it was a credit union - AlaskaUSA FCU.  And I know they won't have any intention of messing with my limits/rates as long as I pay at least the minimum.  This is great.  Interesting note - most CU's seem to pull EQ from what I see around here.  They pulled TU.  So, now it is off to update whogavemecredit.com with scores and limits for my app spree and and garden for years.  I am set with some pretty great cards.  I have decided I really don't need Discover with my current crop of cards and will not be applying. 


Its called the Garden Club now :smileyhappy:  Sleigh Center died from what I gather looking through archive posts :smileysad:


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
bamagirl1
Posts: 1,044
Registered: ‎12-30-2007

Re: Good Haul over Last Week - 3 out of 5..WAIT...4 out of 6

Heirophant~

 

I remember the Sleigh center..LOL :smileyvery-happy:

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??

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