topic Re: App spree 3/3, so far in Credit Card Approvals

App spree 3/3, so far

boomhower — Mon, 13 May 2013 17:36:25 GMT

Went on a bit of an app spree:

DCU $5000 8.5% for low interest

Sallie Mae $2500 for amazon rewards

Walmart Discover $1000 for TU score

EQ score is 762. TU is lower due to an old collection but should still be 700+, it's 733 credit card enhanced. UT ~10% and 7 INQ on EQ and 4 on TU.

I'm dissapointed a bit on the limits. I expected more from DCU due to them being talked up about large limits. Sallie Mae may have gotten spooked a little by the collection. I'm not worried about Walmart, already have two $10k cards from GE so it'll go up soon enough.

I'm struggling to think of any other cards I would want. Already have Freedom, IT, and BCP along with some other lower end insignificant cards. I don't travel so those are pointless to me. I'd like to get in with Citi but they don't have any card that really interest me.

Re: App spree 3/3, so far

Anonymous — Mon, 13 May 2013 17:42:56 GMT

I'm surprised about DCU...did you call and see if you can recon the cl?

Re: App spree 3/3, so far

asphaltcowboy — Mon, 13 May 2013 17:53:49 GMT

Congrats and good luck

Re: App spree 3/3, so far

boomhower — Mon, 13 May 2013 18:43:03 GMT

@Anonymous wrote:
I'm surprised about DCU...did you call and see if you can recon the cl?

I did a phone app and the guy asked what I wanted and I told him the max, that's what he came back with. They did offer a refi on one of my cars but deciding whether it's worth $20 a month to do it.

Is Barclay's another hard to recon the limit?

Re: App spree 3/3, so far

icloud2525 — Mon, 13 May 2013 18:58:24 GMT

OP, Citi dividend is a nice card if you want a Citi. Alot like IT or freedom. 5% rotating and 1% all else. $100 cash back after $500 in purchases and 0% intro for 12 months.

Re: App spree 3/3, so far

Anonymous — Mon, 13 May 2013 19:04:17 GMT

Barclays isn't hard to recon but I wonder why these limits are so low with your CS, util

Re: App spree 3/3, so far

boomhower — Mon, 13 May 2013 19:13:37 GMT

@Anonymous wrote:
Barclays isn't hard to recon but I wonder why these limits are so low with your CS, util

Only thing I can think of is my Chase card is at $3.1k/$5k with a BT. Even with that I think the score more than supports it. Income is averageish, mid 30's. I was shocked with Walmart more than anything, have two other GE cards at $10k.

Re: App spree 3/3, so far

Anonymous — Mon, 13 May 2013 19:17:21 GMT

Walmart doesn't surprise me because of their auto CLI . Looks like your individual util on Chase is hurting your limits.

Re: App spree 3/3, so far

myjourney — Mon, 13 May 2013 20:29:32 GMT

Congrats on the spree

Re: App spree 3/3, so far

Anonymous — Mon, 13 May 2013 20:33:22 GMT

Congrats on the approvals. I'm sorry that the CL for DCU wasn't what you were hoping for, but the APR is really nice!

Re: App spree 3/3, so far

boomhower — Mon, 13 May 2013 20:57:26 GMT

@Anonymous wrote:
Congrats on the approvals. I'm sorry that the CL for DCU wasn't what you were hoping for, but the APR is really nice!

That was the whole reason for the spree. Got some things coming up that I need a low interest card for. Right now my score is the highest it's going to be for a while, took advantage of a 0% offer at Lowes for a new lawn tractor that'll bump up my UTL a bit. If I can get a recon for Barclay's I'll be alright with it, was hoping for $5k with them for a siggy card.

Re: App spree 3/3, so far

LS2982 — Mon, 13 May 2013 23:13:06 GMT

@boomhower wrote:
Went on a bit of an app spree:

DCU $5000 8.5% for low interest
Sallie Mae $2500 for amazon rewards
Walmart Discover $1000 for TU score

EQ score is 762. TU is lower due to an old collection but should still be 700+, it's 733 credit card enhanced. UT ~10% and 7 INQ on EQ and 4 on TU.

I'm dissapointed a bit on the limits. I expected more from DCU due to them being talked up about large limits. Sallie Mae may have gotten spooked a little by the collection. I'm not worried about Walmart, already have two $10k cards from GE so it'll go up soon enough.

I'm struggling to think of any other cards I would want. Already have Freedom, IT, and BCP along with some other lower end insignificant cards. I don't travel so those are pointless to me. I'd like to get in with Citi but they don't have any card that really interest me.

CONGRATS!!!!

Re: App spree 3/3, so far

Ron1 — Mon, 13 May 2013 23:44:00 GMT

@boomhower wrote:
Went on a bit of an app spree:

DCU $5000 8.5% for low interest
Sallie Mae $2500 for amazon rewards
Walmart Discover $1000 for TU score

EQ score is 762. TU is lower due to an old collection but should still be 700+, it's 733 credit card enhanced. UT ~10% and 7 INQ on EQ and 4 on TU.

I'm dissapointed a bit on the limits. I expected more from DCU due to them being talked up about large limits. Sallie Mae may have gotten spooked a little by the collection. I'm not worried about Walmart, already have two $10k cards from GE so it'll go up soon enough.

I'm struggling to think of any other cards I would want. Already have Freedom, IT, and BCP along with some other lower end insignificant cards. I don't travel so those are pointless to me. I'd like to get in with Citi but they don't have any card that really interest me.

Congrats!!! I'm afraid I might get $5K card from them. I haven't applied yet.

Ron.

Re: App spree 3/3, so far

Anonymous — Mon, 13 May 2013 23:46:29 GMT

Grats!

Re: App spree 3/3, so far

boomhower — Tue, 14 May 2013 00:12:53 GMT

@Ron1 wrote:
@boomhower wrote:
Went on a bit of an app spree:

DCU $5000 8.5% for low interest
Sallie Mae $2500 for amazon rewards
Walmart Discover $1000 for TU score

EQ score is 762. TU is lower due to an old collection but should still be 700+, it's 733 credit card enhanced. UT ~10% and 7 INQ on EQ and 4 on TU.

I'm dissapointed a bit on the limits. I expected more from DCU due to them being talked up about large limits. Sallie Mae may have gotten spooked a little by the collection. I'm not worried about Walmart, already have two $10k cards from GE so it'll go up soon enough.

I'm struggling to think of any other cards I would want. Already have Freedom, IT, and BCP along with some other lower end insignificant cards. I don't travel so those are pointless to me. I'd like to get in with Citi but they don't have any card that really interest me.
Congrats!!! I'm afraid I might get $5K card from them. I haven't applied yet.

Ron.

It's in line with my other limits. My highest prime card is $5.5K with Discover and $5k with Chase. If your other limits are higher then I'd imagine at the minimum they'd put it in line with those. I seem to be more of an anomoly with most getting higher limits.

Re: App spree 3/3, so far

Ron1 — Tue, 14 May 2013 01:02:30 GMT

@boomhower wrote:
@Ron1 wrote:
@boomhower wrote:
Went on a bit of an app spree:

DCU $5000 8.5% for low interest
Sallie Mae $2500 for amazon rewards
Walmart Discover $1000 for TU score

EQ score is 762. TU is lower due to an old collection but should still be 700+, it's 733 credit card enhanced. UT ~10% and 7 INQ on EQ and 4 on TU.

I'm dissapointed a bit on the limits. I expected more from DCU due to them being talked up about large limits. Sallie Mae may have gotten spooked a little by the collection. I'm not worried about Walmart, already have two $10k cards from GE so it'll go up soon enough.

I'm struggling to think of any other cards I would want. Already have Freedom, IT, and BCP along with some other lower end insignificant cards. I don't travel so those are pointless to me. I'd like to get in with Citi but they don't have any card that really interest me.
Congrats!!! I'm afraid I might get $5K card from them. I haven't applied yet.

Ron.
It's in line with my other limits. My highest prime card is $5.5K with Discover and $5k with Chase. If your other limits are higher then I'd imagine at the minimum they'd put it in line with those. I seem to be more of an anomoly with most getting higher limits.

Did they ask for income verification?

Ron.

Re: App spree 3/3, so far

BearsAndTurtlesRtheBest — Tue, 14 May 2013 02:39:59 GMT

Thats a great spree! Credit Unions must be a great way to receive a high initial credit limit.

Re: App spree 3/3, so far

boomhower — Tue, 14 May 2013 08:43:05 GMT

@Ron1 wrote:
@boomhower wrote:
@Ron1 wrote:
@boomhower wrote:
Went on a bit of an app spree:

DCU $5000 8.5% for low interest
Sallie Mae $2500 for amazon rewards
Walmart Discover $1000 for TU score

EQ score is 762. TU is lower due to an old collection but should still be 700+, it's 733 credit card enhanced. UT ~10% and 7 INQ on EQ and 4 on TU.

I'm dissapointed a bit on the limits. I expected more from DCU due to them being talked up about large limits. Sallie Mae may have gotten spooked a little by the collection. I'm not worried about Walmart, already have two $10k cards from GE so it'll go up soon enough.

I'm struggling to think of any other cards I would want. Already have Freedom, IT, and BCP along with some other lower end insignificant cards. I don't travel so those are pointless to me. I'd like to get in with Citi but they don't have any card that really interest me.
Congrats!!! I'm afraid I might get $5K card from them. I haven't applied yet.

Ron.
It's in line with my other limits. My highest prime card is $5.5K with Discover and $5k with Chase. If your other limits are higher then I'd imagine at the minimum they'd put it in line with those. I seem to be more of an anomoly with most getting higher limits.
Did they ask for income verification?

Ron.

Nope.