New Contributor
ccoaston
Posts: 68
Registered: ‎10-28-2010
Got Approved for Apple Barclay and Chase Freedom!!
[ Edited ]

‎07-14-2011 08:40 AM - edited ‎07-14-2011 08:41 AM

I first applied for the Apple barclay got a 1250 CL then called the backdoor after 30mins and got it up to 3800CL. Then Chase Freedom approved me for 2,000 CL.

Got denied from Discover , called to recon and they offered me a co sign option and i said no. They said there is stuff on my CR that is paid and shows a 0 balance but not removed.(sent me pre approval letter like crazy), BOA cashback after denial they offered me a card that i would put money on  and AMEX Gold have various reasons which boiled down to me not have enough Credit line son my report.

 

Whats in my wallet:

CapitalOne Platinum: 1k CL

Chase Freedom: 2k CL

Apple Visa Barclay: 3.8k CL

 

Any suggestions?

Should I Garden at this point?

 

Starting Score: 700
Current Score: 754
Goal Score: 800

Take the FICO Fitness Challenge
CapitalOne - 1k
Barclay - 3.8k
Chase Freedom - 2k
Citi Bank diamond perffered - 5k
Discover - 5k
Amex blue cash perffered - 2k
(852 Views)
 
Regular Contributor
Smerri1029
Posts: 188
Registered: ‎10-22-2010
Re: Got Approved for Apple Barclay and Chase Freedom!!

‎07-14-2011 09:47 AM

If you were approved for Barclays, you should have zero inquiries on your report after theres for at least six months. They will spook and slash your CL or close your account so I would definitely garden at this point.

What's In My Wallet:American Express Starwood Preferred Guest Card, American Express Costco True Earnings, Citi AA Visa, Chase Freedom
What's In My Sock Drawer: American Express Blue, Chase Sapphire Preferred, Citi AA AmEx, Chase United Mileage Plus Explorer Card, Barclays US Air, Discover More, Bank of America Accelerated Rewards AmEx, Citi Dividend Platinum Select, LEM FCU Visa, SME FCU Visa
(801 Views)
 
New Contributor
ccoaston
Posts: 68
Registered: ‎10-28-2010
Re: Got Approved for Apple Barclay and Chase Freedom!!

‎07-14-2011 10:51 AM

Thnks for the advice. I was thinking this is enough for now

Starting Score: 700
Current Score: 754
Goal Score: 800

Take the FICO Fitness Challenge
CapitalOne - 1k
Barclay - 3.8k
Chase Freedom - 2k
Citi Bank diamond perffered - 5k
Discover - 5k
Amex blue cash perffered - 2k
(772 Views)
 
Established Member
chrisjitsu
Posts: 13
Registered: ‎01-22-2010
Re: Got Approved for Apple Barclay and Chase Freedom!!

‎07-14-2011 08:53 PM

Congrats! If you don't mind me asking, how many inquiries did you have before you applied?

Starting Score: EQ: 659 (1/21/11 via myFico SW), TU: 689 (1/21/11 via myFico QM), EX: 635 FAKO
Current Score: EQ: 676 (1/25/11 via myFico SW), TU: 689 (1/21/11 via myFico QM), EX: 635 FAKO
Goal Score: 720+ on all scores

Take the FICO Fitness Challenge
(680 Views)
 
Established Contributor
TheCreditKid
Posts: 623
Registered: ‎08-14-2010
Re: Got Approved for Apple Barclay and Chase Freedom!!

‎07-14-2011 09:50 PM

Congrats mate !

 

 

______________________________________________________________________________________________________________

All human wisdom is summed up in two words - wait and hope.

-Alexander Dumas
(642 Views)
 
Frequent Contributor
dookdig
Posts: 332
Registered: ‎04-08-2011
Re: Got Approved for Apple Barclay and Chase Freedom!!
[ Edited ]

‎07-15-2011 02:09 AM - edited ‎07-15-2011 02:10 AM

What a coincidence

1. I have capital one platinum, chase freedom, apple barclay

2. I got offer for co-signer from discover but I don't want any co-signer

 

Difference is I got Zync Amex and Fidelity Amex from Boa. Is Boa cash back visa signature?

It's much harder to obtain because its lowest required $5000 credit line which you would likely be denied without having at least some history on $2000-3000 TLs. I don't know if they allow this but you might try recon Amex for different product. Instead of Gold card, asking for Zync but you should ask them to use the same pull that used for Gold card.

(616 Views)
 
Frequent Contributor
JonStur
Posts: 355
Registered: ‎12-25-2010
Re: Got Approved for Apple Barclay and Chase Freedom!!

‎07-15-2011 02:50 AM

Time to chill...Barclay's will definitely soft you for at least the next 3 or 4 months, don't want to get CLD...
Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 796 EX 780 EQ 750
Goal Score: 800 Club

Take the FICO Fitness Challenge
(608 Views)