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Established Contributor
Posts: 761
Registered: ‎10-16-2007
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Went on a app spree and .................

Got approved for 2 of the 5, I apped for. Got the Barclays apple card with a limit of 1,700 and Discover More card for 1,200. So I am happy the rest of them are the standard wait for 7 days, which in my experience means denial.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


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Established Contributor
Posts: 712
Registered: ‎06-11-2012
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Re: Went on a app spree and .................

........or they just need you to call in to verify some info. You should always try to recon because it's better than just getting a HP for nothing.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
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Re: Went on a app spree and .................


dodgeball wrote:

Got approved for 2 of the 5, I apped for. Got the Barclays apple card with a limit of 1,700 and Discover More card for 1,200. So I am happy the rest of them are the standard wait for 7 days, which in my experience means denial.


what all did you app for? whats your credit file look like?

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
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Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: Went on a app spree and .................

Congrats on the two approvals. What were the other cards you applied for?

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
Posts: 761
Registered: ‎10-16-2007
0

Re: Went on a app spree and .................

MY Equifax is 690 Experian 650 Fako Transunion is 660, My Equifax is clear with untility in the 60%. Experian and transunion both have two collections on it that are paid and 4 years old. I apped for the Carbelas visa, Citi Bank and Chase Slate.

 

FYI Just called Barclays and got my limit to $2500

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


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Posts: 7,225
Registered: ‎09-16-2011
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Re: Went on a app spree and .................

Call them, they might need to just verify your info... I don't think you were out of line for approvals on those additional cards!

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?
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Established Contributor
Posts: 761
Registered: ‎10-16-2007
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Re: Went on a app spree and .................

Just called Cabreas and for some wierd reason they said my credit score was not high enough 690, who would of thunk that. Barclays approved me on EX my worse by far. Oh well

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


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Frequent Contributor
Posts: 379
Registered: ‎03-31-2012
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Re: Went on a app spree and .................


dodgeball wrote:

Got approved for 2 of the 5, I apped for. Got the Barclays apple card with a limit of 1,700 and Discover More card for 1,200. So I am happy the rest of them are the standard wait for 7 days, which in my experience means denial.


Not necesarily.  I apped for the AMEX plat, and got that message.  3 days later I was sent the approval notice. 

 

I applied for the discover more card with a requested limit of 14K.  They gave me the message of 30 days.  I though this was a sure denial, but a CSR called me only one question.  "Why did you close your last discover card." I stated they would not reduce my interest rate, and my credit profile should have allowed the drop (20+% with a high 700 score).  She thanked me and approved the request. 

 

My last 2 apps were giving the 7-10, and 30 day notice, and both were approved without have to recon.

Established Contributor
Posts: 761
Registered: ‎10-16-2007
0

Re: Went on a app spree and .................

Thanks for the encouragment just got off the phone with chase, and I got approved with a 2k limit got my foot in the door. Time to Garden

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

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Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
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Re: Went on a app spree and .................

Ha! Success!

 

Great job, that's why you never waste a HP

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
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