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Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: is the 6th time a charm?

Dont give up! I was denied 5 times before they finally approved me for SPG
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
New Member
CreditHammer
Posts: 120
Registered: ‎05-14-2013

Re: is the 6th time a charm?


jsickz32 wrote:
Dont give up! I was denied 5 times before they finally approved me for SPG

How far apart were your apps?

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: is the 6th time a charm?

Every month lol
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
JonStur
Posts: 902
Registered: ‎12-25-2010

Re: is the 6th time a charm?

I say let's go lucky seven!!!!!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013

Re: is the 6th time a charm?

Honestly curious, and no offense intended, but why would you apply for any kind of credit with a frozen file?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: is the 6th time a charm?


swpopham wrote:

Since I never give up I called the EO today and explained that my report has been frozed and asked her to send it over to the review team. She thanked me and said they would be in contact in the next 24-72 hours


Was just about to say call EO!!! Good luck!!!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: is the 6th time a charm?


enharu wrote:
Honestly curious, and no offense intended, but why would you apply for any kind of credit with a frozen file?

Your file was frozen when you id the last app??




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013

Re: is the 6th time a charm?

Mine wasn't frozen when I was applying. OP's files are frozen. Amex and citi have both cited his frozen files, and he was declined by citi because they couldn't pull anything.

So I'm just genuinely curious as to why would OP try to app or ask for CLI knowing that they will need to do a pull while his files are frozen.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
indiolatino61
Posts: 1,439
Registered: ‎11-10-2012

Re: is the 6th time a charm?


swpopham wrote:

Most of the old timers know that I got the PRG just to screw with amex, aparently they like me and hate me at the same time! I have put 10k+ single charges on the PRG with no problems or hickups. But every month on the 31st day I app for the BCP and the last 5 months have been declined. This was the 6th time + 3 days lol, I was running a couple days behind. Anyways. I did it at 10am this morning and its still pending....  call it yes or no? where is duncanrr????


Good luck to you!

 photo Logo-CreditCardCollection_zps46f2f9f7.jpgWmart (TU): 809, Disc it (TU): 809, CKarma (TU): 772, AmEx (EX): 755, CSesame (EX): 727, Quizz (EQ): 783, myFICO (EQ): 770.
Oldest: AmEx: 26Y-5M, AAoA: 7Y-6M, Utl: 2.73%, 12/24 Inq: 6/16, Income: $104k, Garden: 06/16/2014. Updated 07/23/2014.
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: is the 6th time a charm?


enharu wrote:
Mine wasn't frozen when I was applying. OP's files are frozen. Amex and citi have both cited his frozen files, and he was declined by citi because they couldn't pull anything.

So I'm just genuinely curious as to why would OP try to app or ask for CLI knowing that they will need to do a pull while his files are frozen.

I should have been more specific I know its the OP not you. I'm curious as well.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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