topic Re: Finally Approved! in Credit Card Approvals

Finally Approved!

ficoladder — Wed, 01 Jul 2015 16:47:44 GMT

Hello All,

Finally after seven years of having to wait out for the negative items to be removed from my credit report, I applied for three cards yesterday and was approved instantly for the limits below.

All three of my FICO scores are in 750's

Citi Double Cash - $4200

Sallie Mae - $1300

Amazon Prime - $2200

The only card I had on my file before is a $500 one from a local credit union. Is there a way to increase the credit limits on the new cards I got approved for. I am reading some of the other posts and there were mentions about backdoor numbers, what is that? What should I ask them for when I call for a credit limit increase? or should is it impossible for me to get anything more than what I was approved for given my history.

Thanks

Vam

Re: Finally Approved!

Anonymous — Wed, 01 Jul 2015 16:49:39 GMT

Congrats! But this belongs in the approvals forum and will be moved along shortly

Re: Finally Approved!

ficoladder — Wed, 01 Jul 2015 16:54:17 GMT

My bad! I don't frequent the forums as much.

Re: Finally Approved!

Anonymous — Wed, 01 Jul 2015 16:59:44 GMT

@ficoladder wrote:
My bad! I don't frequent the forums as much.

No worries!

Re: Finally Approved!

Anonymous — Wed, 01 Jul 2015 17:01:12 GMT

@ficoladder wrote:
Hello All,

Finally after seven years of having to wait out for the negative items to be removed from my credit report, I applied for three cards yesterday and was approved instantly for the limits below.

All three of my FICO scores are in 750's

Citi Double Cash - $4200
Sallie Mae - $1300
Amazon Prime - $2200

The only card I had on my file before is a $500 one from a local credit union. Is there a way to increase the credit limits on the new cards I got approved for. I am reading some of the other posts and there were mentions about backdoor numbers, what is that? What should I ask them for when I call for a credit limit increase? or should is it impossible for me to get anything more than what I was approved for given my history.

Thanks
Vam

Congrats on the approvals!

Re: Finally Approved!

CreditCuriosity — Wed, 01 Jul 2015 17:35:28 GMT

Congrats on your approvals! Nice cards!

Re: Finally Approved!

MissMoni223 — Wed, 01 Jul 2015 17:48:47 GMT

Very NICE!!! Not sure about the others, but trust that you scored way above average on your Citi Double Cash starting limit (SL). You are free to request a CLI, but most of the time it will be another HP.

Re: Finally Approved!

morgacj2004 — Wed, 01 Jul 2015 17:53:33 GMT

Congrats!!! Those are nice cards to be starting off with!!!

Re: Finally Approved!

Existentialist — Wed, 01 Jul 2015 18:08:15 GMT

Congrats.

Re: Finally Approved!

alextercero — Wed, 01 Jul 2015 19:28:24 GMT

Congrats

Re: Finally Approved!

Anonymous — Wed, 01 Jul 2015 19:35:01 GMT

Congrats!

In my wallet: Venture 15k; Barclay Ring Platinum MC 12.5k; Discover 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; BofA Travel Rewards 3.5k; BofA Travel Rewards 3.5k; BofA Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 66,200. 7/1-FICO: EQ - 789; TU - 781; EX - 690; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 4; TU: 7; EX 7; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

Re: Finally Approved!

Anonymous — Wed, 01 Jul 2015 19:39:27 GMT

@ficoladder wrote:
Hello All,

Finally after seven years of having to wait out for the negative items to be removed from my credit report, I applied for three cards yesterday and was approved instantly for the limits below.

All three of my FICO scores are in 750's

Citi Double Cash - $4200
Sallie Mae - $1300
Amazon Prime - $2200

The only card I had on my file before is a $500 one from a local credit union. Is there a way to increase the credit limits on the new cards I got approved for. I am reading some of the other posts and there were mentions about backdoor numbers, what is that? What should I ask them for when I call for a credit limit increase? or should is it impossible for me to get anything more than what I was approved for given my history.

Thanks
Vam

Probably a waste of time with Citi. Worth a shot with Barclay's, (Sallie Mae). As for what to say, I would tell them that you'd like to make it your primary card for every day expenses, and you think a limit of $5K would give you the room you need. I don't know on the Amazon card, perhaps somebody else can address that one.

Re: Finally Approved!

Anonymous — Wed, 01 Jul 2015 21:44:59 GMT

🙆🙌🙆🙌🙆🙌🙆🙌 Congrat's !!! 🙌🙆🙌🙆🙌🙆🙌🙆

Re: Finally Approved!

Anonymous — Wed, 01 Jul 2015 21:50:12 GMT

Congrats!! Which fico package do you have?

Re: Finally Approved!

ficoladder — Wed, 01 Jul 2015 22:02:24 GMT

@Anonymous wrote:
Congrats!! Which fico package do you have?

I have the 3 report monitoring one. I wanted to take it to monitor the negative accounts fall off from my reports. A little too much than what I wanted to pay. I will probably hang on to it for couple more months.

Re: Finally Approved!

ficoladder — Wed, 01 Jul 2015 22:09:43 GMT

Probably a waste of time with Citi. Worth a shot with Barclay's, (Sallie Mae). As for what to say, I would tell them that you'd like to make it your primary card for every day expenses, and you think a limit of $5K would give you the room you need. I don't know on the Amazon card, perhaps somebody else can address that one.

Called up Amazon and requested a CLI. They asked me for a number and I said 8k. Kept me on hold for a minute and then APPROVED it. Wished I would have asked for more. But isn't it always the case

Called Citi. They wanted me to call back after they've setup my account in their systems which might take two more days.

Called Sallie Mae. Lady on the phone asked me if I am Ok with a credit pull. I asked if it was hard or soft. She said it will be a hard pull. When I asked them on why they would hard pull my credit once again as they've only done it yesterday when they approved my card. She insisted that it will be a hard pull. I had to hangup without going ahead. Is it always the case with Sallie Mae. Sounded really odd that they would want to do two hard pulls so close by.

Re: Finally Approved!

laurenjessica — Thu, 02 Jul 2015 00:19:19 GMT

@ficoladder wrote:
Probably a waste of time with Citi. Worth a shot with Barclay's, (Sallie Mae). As for what to say, I would tell them that you'd like to make it your primary card for every day expenses, and you think a limit of $5K would give you the room you need. I don't know on the Amazon card, perhaps somebody else can address that one.
Called up Amazon and requested a CLI. They asked me for a number and I said 8k. Kept me on hold for a minute and then APPROVED it. Wished I would have asked for more. But isn't it always the case

Called Citi. They wanted me to call back after they've setup my account in their systems which might take two more days.

Called Sallie Mae. Lady on the phone asked me if I am Ok with a credit pull. I asked if it was hard or soft. She said it will be a hard pull. When I asked them on why they would hard pull my credit once again as they've only done it yesterday when they approved my card. She insisted that it will be a hard pull. I had to hangup without going ahead. Is it always the case with Sallie Mae. Sounded really odd that they would want to do two hard pulls so close by.

Call back for Amazon and ask for more. From what I've read, you left money on the table! Ask for 20k and they will counter.

Re: Finally Approved!

Dw4250 — Thu, 02 Jul 2015 05:54:51 GMT

Congrats

Re: Finally Approved!

TiggerDat — Thu, 02 Jul 2015 13:34:42 GMT

I think Barclays policy is same day recon, but you might try another CSR.

Re: Finally Approved!

SOGGIE — Thu, 02 Jul 2015 15:22:35 GMT

Congrats on the success of your approvals! Looks like things are turning around for you. Good luck w/ your credit rebuilding journey.