Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 165
Registered: ‎03-22-2009
0 Kudos

What New Approvals Have You Gotten? CCC's giving out new lines like candy?

Have a 6 month old $300K mortgage reporting.   I let my INQs get down to 0 and I was lucky somehow to only get a single hard for my mortgage on Experian.


It seems like the magic score now is FICO 760+.



Before my mortgage I had a $30,000 NFCU cashRewards.   I did some changes to my new house plus I bought new appliances.   At one point my HIGH BAL on my NFCU card reached $15,000.   I've been paying $2,200/mo in debt service and then I decided to take the offers to zero out my interest and lower my payments to co-incide with the BT offers expiring.


So in the last 4 weeks:



Citi Platinum Divident:   $10,000 CL

Chase Slate:   $7,000

Barclays US AIRWAYS Platinum:  $13,000 CL




One thing that helped me get the Barclays card is that my balance went to $0 on NFCU and it hasn't shown up on my Citi card yet, and I am 100% convinced they set the CL on that card by looking at my highest balance ever across all my cards ($15,000).


So in the last few days I've bumped my total lines by $30,000 and my Vantage scores are now above 910.   When Citi reports my BT they'll fall back down to where they were because it will be 95% utilized and it won't get back to 10% utilization on that one card until June 2012.



All my other revolving TLs are sitting at 0% utilization except for that one Citi card.

EQ: 801!
I got one foot in the 800 Club, now I need the other two feet.
Regular Contributor
Posts: 165
Registered: ‎03-22-2009
0 Kudos

Re: What New Approvals Have You Gotten? CCC's giving out new lines like candy?

BTW on my INQs I now have 4 hards on EX, 2 on EQ and 2 on TU.  I'm not going to bother to bump off the EQ and TU...


I also forgot to add that I tried for a 2nd Citi card (Simplicity) but they gave me a toy limit: $500.   I'm not going to even activate that card it's a joke.



On the Chase card I am using to finance a new 17" maxed-out Macbook for 12 months @ $260/mo.  On the Citi $10K card that BT offer runs for about 17 months so I set up an automatic payment of $580/mo on that one.


Since I was using $2,200/mo to kill my balances off on Navy I've now kicked the debt service payment in half and am saving over $500 on interest, plus now I can use my cashRewards again for actual cash rather than using my 1.5% cashback to cut down my interest rate to effectively 7%.




With these 3 new lines my AAoA will probably drop from 6 years down to 3 years (or worse I dunno), but after 12 months I should be back in the FICO 800 Club with my new mortgage and all my accounts aged over a year, plus multiple cards with big lines on them showing perfect payment histories.   All my baddies except one have expired off all my reports and that 1 baddie that is left is only on one report and it's due to expire off in December which should get me another 20 FICO points (I hope!)

EQ: 801!
I got one foot in the 800 Club, now I need the other two feet.
Valued Contributor
Posts: 1,659
Registered: ‎04-06-2011
0 Kudos

Re: What New Approvals Have You Gotten? CCC's giving out new lines like candy?

Good work on that.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board

Take the FICO Fitness Challenge

Senior Contributor
Posts: 4,385
Registered: ‎05-01-2008
0 Kudos

Re: What New Approvals Have You Gotten? CCC's giving out new lines like candy?

Hey Philly!  First off...nice work!  Those cards & limits are pretty dang sweet!


I did want to give you an example of a FICO bump to expect.  About a year or so ago, I had my last collection/last baddie drop off equifax (1 year early) & I got about a 30 point jump and just a couple weeks ago I had (also the last baddie here) a 90 day late from 9/04 drop off my TU...I went from 706 to 751.


YMMV...but you're still going to be looking GOOD!!!


Congrats again!

Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.