Reply
Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: Very happy/surprised at my recent credit luck

Very nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Contributor
adavis425
Posts: 514
Registered: ‎02-14-2012
0

Re: Very happy/surprised at my recent credit luck


patsfan1453 wrote:

I wish I had applied for one of the higher grade blue cashes and not the standard but oh well. Update: Denied by Cap1, am honestly not broken up about it. Would rather have better cards in my wallet. Overall goal is to have a chase freedom and amex charge card in the next year or so. I'm about to have about 6 HP on my CS for these cards, was wondering if there was one other I should apply for while I'm at it...any suggestions?


Since you already have the revolver, why not go ahead and app for the charge? Since revolvers are more difficult to obtain, your chances are pretty good that you'd be approved (your CR must be in decent shape).

 

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM Discover | Discover it | JCP


Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: Very happy/surprised at my recent credit luck

Treat them well and dont mess them up like most of us here ............

Very nice credit file to start with............


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Frequent Contributor
wallyworld123
Posts: 455
Registered: ‎01-04-2012
0

Re: Very happy/surprised at my recent credit luck


patsfan1453 wrote:

Hey everyone, my first post here. I just wanted to share my recent credit luck and how happy I am with it. 

 

First of all I'm 21 y.o. and had 2 accounts, one CAP1 Plat with 300 limit started in february and a car loan from may. About a week ago I check my cap1 account and see that my limit has been increased from 300 to 500. Nice surprise, so on a whim I check my experian score on freecreditscore.com. Lo and behold I have a 707. So I apply for an Amex Blue...instant approval. I couldn't tell you how excited I was, I have always wanted an Amex and now I have one at 21. So i press my luck, I figure why not have all the hard pulls on my credit at once and see if I can get lucky. So I apply for a Chase freedom, cap1 rewards, citi forward and discover more.

 

As of today I got declined for the Chase, but got instant approval on the citi and discover, still waiting on the CAP1.

 

My limits: Amex 1k, Discover 2k, Citi 3k. 

 

I jumped my credit limit from 500 to 6500 in a week. I so happy and so proud and I can't wait for these shiny new cards to come in the mail! Thanks for reading guys!


Congratulations you have some gr8 cards I must say job very well done!

Regular Contributor
patsfan1453
Posts: 202
Registered: ‎11-04-2012
0

Re: Very happy/surprised at my recent credit luck

I feel as though I want to wait on the charge, I want to have the flexibility of carry a balance now while I'm in school if I need to. In like a year I'd go for the Gold Premier and reap the rewards :smileyhappy:.

Amex Everyday 6k || Chase Sapphire 5k || Buypower Card 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 5.5k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k || Chase Amazon 1k
Business: Chase ink cash 5k || AMEX Simply Cash 3.8k
Total CLs: 48.7k
Valued Contributor
kevinjjc
Posts: 1,317
Registered: ‎01-14-2009
0

Re: Very happy/surprised at my recent credit luck

Don't give up on Chase, go for a recon! Call one of their backdoor #'s and you might get an underwriter to approve it.
Regular Contributor
patsfan1453
Posts: 202
Registered: ‎11-04-2012
0

Re: Very happy/surprised at my recent credit luck

@kevinjjc they denied me for lack of credit history, my oldest account is only 7 months old. What would I say to convince them?

Amex Everyday 6k || Chase Sapphire 5k || Buypower Card 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 5.5k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k || Chase Amazon 1k
Business: Chase ink cash 5k || AMEX Simply Cash 3.8k
Total CLs: 48.7k
Regular Contributor
patsfan1453
Posts: 202
Registered: ‎11-04-2012
0

Re: Very happy/surprised at my recent credit luck

Going a little crazy, got a citi simplicity with a 1k limit, no apr for 18 months. 

Amex Everyday 6k || Chase Sapphire 5k || Buypower Card 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 5.5k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k || Chase Amazon 1k
Business: Chase ink cash 5k || AMEX Simply Cash 3.8k
Total CLs: 48.7k
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Very happy/surprised at my recent credit luck

Nice spree, not get to the garden.  Congrats!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Contributor
firstladyd
Posts: 143
Registered: ‎05-23-2011
0

Re: Very happy/surprised at my recent credit luck

Congratulations. Nice starting out limits and cards. You are on your way to 800 club if u treat those well and garden. Good 4 u!!! ;-)

Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board


Take the FICO Fitness Challenge


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+