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Super Contributor
mongstradamus
Posts: 5,695
Registered: ‎06-19-2013
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an little over zealous with app spree

It looks like i may have been an little over zealous about my recent app spree. I most recently apped for discover IT , chase freedom , and Amex BCP. I got instant approval for Freedom, so i thought why not try for BCP also. I got the dreaded 5-7 days, does that usually mean its an denial for sure? I got the same from Discover also.



EX Fico 770 8/23/14 Fako 796 CS/Credit.com 8/22/14
EQ SW 806 quizzle fako 796 7/19/14
TU Fico 804 8/14/2014 Fako 751 Creditkarma 8/17/2014
Regular Contributor
bigbang91
Posts: 179
Registered: ‎09-16-2013
0

Re: an little over zealous with app spree

You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex,  and amazon.  I got approved all

Super Contributor
mongstradamus
Posts: 5,695
Registered: ‎06-19-2013
0

Re: an little over zealous with app spree


bigbang91 wrote:

You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex,  and amazon.  I got approved all


were you able to get instant approvals for all of them ? Or did you have to call backdoor number. I thought i would have been okay with discover because my equifax was highest of all my fico scores. they kept on sending me pre approvals an few times an week, so that made me pretty sad.



EX Fico 770 8/23/14 Fako 796 CS/Credit.com 8/22/14
EQ SW 806 quizzle fako 796 7/19/14
TU Fico 804 8/14/2014 Fako 751 Creditkarma 8/17/2014
Regular Contributor
Gatortrout
Posts: 124
Registered: ‎08-17-2013
0

Re: an little over zealous with app spree

I did almost the exact same thing at the first of the month. Apped BCP then CSP on the 3rd with instant approvals, then on the 4th decided to go ahead and app Discover IT as well and was also instant approval
Super Contributor
mongstradamus
Posts: 5,695
Registered: ‎06-19-2013
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Re: an little over zealous with app spree


bigbang91 wrote:

You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex,  and amazon.  I got approved all


i called discover , and was approved for their card, the apr isn't as low as i hoped but i plan on pif every month so not that big of an deal. Now with amex i heard if you call backdoor its another hp is that true , i am not sure i would want that 



EX Fico 770 8/23/14 Fako 796 CS/Credit.com 8/22/14
EQ SW 806 quizzle fako 796 7/19/14
TU Fico 804 8/14/2014 Fako 751 Creditkarma 8/17/2014
Valued Contributor
bigblue7722
Posts: 1,122
Registered: ‎05-17-2013
0

Re: an little over zealous with app spree

Im pretty sure Amex doesn't recon at all.
TU08 Fico Score (680)-Goal Score-(750)
AMEX PRG NPSL,CSP $6000, AMEX BCE $5000, Chase Marriott $5000,Chase Hyatt $5000, Capital One Quicksliver $3500, Discover it $3000,Paypal smart connect $3000,Chase Freedom $2200, Barclaycard rewards $1500, Sallie mae barclaycard $1400, Chase Amazon Visa $1000, Seasons FCU card $500
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Senior Contributor
myjourney
Posts: 25,575
Registered: ‎02-07-2013
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Re: an little over zealous with app spree


mongstradamus wrote:

bigbang91 wrote:

You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex,  and amazon.  I got approved all


i called discover , and was approved for their card, the apr isn't as low as i hoped but i plan on pif every month so not that big of an deal. Now with amex i heard if you call backdoor its another hp is that true , i am not sure i would want that 


Call it may not be a denial but address verification or something simple 

And Amex won't HP when asking status....However if you choose to recon they will ask that you fax a new CR and then yes they will probably HP again at that point but it makes no sense to go that far unless there's a major change in CR's to show Amex 

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Last 5 apps 6/6/13
Super Contributor
mongstradamus
Posts: 5,695
Registered: ‎06-19-2013
0

Re: an little over zealous with app spree


myjourney wrote:

mongstradamus wrote:

bigbang91 wrote:

You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex,  and amazon.  I got approved all


i called discover , and was approved for their card, the apr isn't as low as i hoped but i plan on pif every month so not that big of an deal. Now with amex i heard if you call backdoor its another hp is that true , i am not sure i would want that 


Call it may not be a denial but address verification or something simple 

And Amex won't HP when asking status....However if you choose to recon they will ask that you fax a new CR and then yes they will probably HP again at that point but it makes no sense to go that far unless there's a major change in CR's to show Amex 


Ok thanks for that information , well after i find out about amex definately going to be gardening for at least 10 months if not more :-)



EX Fico 770 8/23/14 Fako 796 CS/Credit.com 8/22/14
EQ SW 806 quizzle fako 796 7/19/14
TU Fico 804 8/14/2014 Fako 751 Creditkarma 8/17/2014
Valued Contributor
lg8302ch
Posts: 2,659
Registered: ‎11-13-2012
0

Re: an little over zealous with app spree

None of my approvals were instant except for Cap1  :smileyhappy:... always needed some verification and got approved .. so not necessarily means denial .. good luck :smileyhappy:

FICO® EQ 784 (as of today) - TU 771 (07/25) * Fako EX 799 (07/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


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Super Contributor
mongstradamus
Posts: 5,695
Registered: ‎06-19-2013
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Re: an little over zealous with app spree


lg8302ch wrote:

None of my approvals were instant except for Cap1  :smileyhappy:... always needed some verification and got approved .. so not necessarily means denial .. good luck :smileyhappy:


so wasn't all doom and gloom like i first thought , got amex preferred also with 15 month of 0% apr, which i was pretty suprised about. I think afterwards it would be 12.99 % not that bad with all things considered. actually discover it was the biggest stickler looks like because of the one CO account i had from 2007, but all in all i can't complain much :-)



EX Fico 770 8/23/14 Fako 796 CS/Credit.com 8/22/14
EQ SW 806 quizzle fako 796 7/19/14
TU Fico 804 8/14/2014 Fako 751 Creditkarma 8/17/2014

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