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an little over zealous with app spree

Super Contributor

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 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 1 of 26
25 REPLIES
Established Contributor

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

Message 2 of 26
Super Contributor

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 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 3 of 26
Regular Contributor

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
Message 4 of 26
Super Contributor

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 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 5 of 26
Valued Contributor

Re: an little over zealous with app spree

Im pretty sure Amex doesn't recon at all.
AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 6 of 26
Super Contributor

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 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 26
Super Contributor

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 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 8 of 26
Senior Contributor

Re: an little over zealous with app spree

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

Move the mouse over the cards for detailed view!
....Last HP 01 NOV 2016...............
Message 9 of 26
Super Contributor

Re: an little over zealous with app spree


lg8302ch wrote:

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


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 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 10 of 26