topic Application Spree Success & Questions in Credit Card Approvals

Application Spree Success & Questions

signaturecardmember — Sat, 17 Jan 2015 01:11:43 GMT

Hey Guys,

I just wanted to report the outcome from my Application Spree, the initial thread on my proposal is below with my stats and all in it. Turns out my Equifax still has a minor collection on it that I thought was removed (DCU told me).

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Am-I-Ready-For-Apping-Again/td-p/3741588

1st) Barclay's US Airways for the 50k miles - Instant Approval $15,000

2nd) DCU for Platinum Visa - Pending/Anaylst then asked for Paystub today - Approved for $7500 at 11.9%, Analyst was very nice and said they start out low, wait about 6 months and call for higher CL and better APR. He saw all my other lines and was impressed, said I should have no reason not to be in high 700s in a few months

3rd) PenFed Promise - Went to Analyst - Woke up to email saying approved but wanting me to pick PIN number, logged in and did that - $22,000 but at 13.9%

4) Chase CSP - Pre Approved then pending for security - Called this morning $18,000

5) Chase AARP - Had seen this one a month or two ago and agreed it was very under talked about as I eat out a lot, also firm believer in always 2 applications with Chase and this was perfect 2nd one with no AF - Also pended, then declined after my 2nd app. guessing I hit my limit for now with Chase? Was offered to move from another card to get pushed through. I said if that was the only way then move $1k over. Asked me to confirm income etc and confirmed she wasnt doing another HP, She then said she would just recommend they approve me for $1k, logged in tonight and was done though. Should I have said more? I think I will take it and be happy lol

6) American Express Blue Cash Preferred - Did this for the backdating, instant approved for $7500. Meant to only do regular cash with no AF. Called up and they said call back in a month and they will fix.

Questions:

1) Does PenFed Recon on APR?

2) Can PenFed do a LOC application with same HP?

3) Should I worry about low limit on AARP?

Thanks everyone for all of your help and hope these data points help others!

Re: Application Spree Success & Questions

Anonymous — Sat, 17 Jan 2015 17:43:00 GMT

Great limits!

Re: Application Spree Success & Questions

Anomalous — Sat, 17 Jan 2015 18:00:28 GMT

Congratulations on the approvals!

Re: Application Spree Success & Questions

coldnmn — Sat, 17 Jan 2015 18:14:21 GMT

Congrats! Sorry I don't have either card. Thanks for sharing.

Re: Application Spree Success & Questions

gdale6 — Sat, 17 Jan 2015 18:43:52 GMT

Nice run, congrats

Re: Application Spree Success & Questions

CreditMagic7 — Sat, 17 Jan 2015 19:04:25 GMT

Good results from that spree. Congrats!

Re: Application Spree Success & Questions

alvon123 — Sat, 17 Jan 2015 20:36:59 GMT

congrats

Re: Application Spree Success & Questions

uswala — Sat, 17 Jan 2015 20:51:55 GMT

Congrats!

Re: Application Spree Success & Questions

Anonymous — Sat, 17 Jan 2015 22:09:21 GMT

@signaturecardmember wrote:
Hey Guys,

Questions:
1) Does PenFed Recon on APR? - Highly doubtful
2) Can PenFed do a LOC application with same HP? - Yes
3) Should I worry about low limit on AARP? - No, you can always transfer more from another Chase card at a later time.

Thanks everyone for all of your help and hope these data points help others!

Congrats on the approvals

Re: Application Spree Success & Questions

Anonymous — Mon, 19 Jan 2015 02:27:21 GMT

Congratulations!

Re: Application Spree Success & Questions

signaturecardmember — Wed, 21 Jan 2015 00:41:05 GMT

Thank you for all the kind words and those that answered my questions.

I called PenFed and also applied for a LOC. They said that the $22k was the most they would give me to start. I asked if they could move some of that limit from Visa to LOC and they said I must submit that in writing so I sent a secure message today.