topic Re: First MASSIVE App and CLI Spree in Credit Card Approvals

First MASSIVE App and CLI Spree

JunMT89 — Wed, 15 Jul 2015 20:27:21 GMT

First ever app spree and CLI spree and it was exhilarating =]

Not too worried about inquiries because I won't be buying a car or house for a year at least (hopefully).

Main cards I really really wanted are US Bank Cash+, Sallie Mae, and Amex BCE.

myFICO scores at time of applying: (just noticed how badly my SIG needs to be updated lol)

EQ = 725

TU = 748

EX = 748

These are somewhat in order:

New Apps:

US Bank Cash+ = ~~Pending~~ $5000 SL approved Cash+ (just checked on phone 7/15/15)
Sallie Mae WMC = $4000 SL
Amex BCE = $2000 SL
Quicksilver = $3000 SL
VentureOne = $7500 SL

Chase Slate = Denied because too many accounts in last two years (should've tried for this card before they started using that lame reason)

FNBO Amex = ~~Pending~~ - Approved $2600 SL

CLIs:
BofA cash Rewards CLI = $2k CLI to $2.7k

Discover IT = Denied (currently at $10000 limit anyway thanks to their LUV train)
Chase CLI = ~~Pending~~ $4500 CLI to $5000 limit (previously $500 limit since August 2011, two CLI attempts denied)
NFCU cashRewards = $3500 CLI to $11000
NFCU NAVchek = $4000 CLI to max $15000
Amazon Store Card = $1k CLI to $6000 chat
Old Navy Visa = $500 CLI to $2.700 (tried chat the day after but denied...should've used chat first)
JCPenney = $1k CLI to $6000 chat

VS Angel CLI = $200 CLI x 2
J Crew CLI = $200 CLI

Overall increase in credit limits by $41200...getting real close to that $100k mark

EDIT: Does anyone know if I should call in to US Bank to have them check on my app? If so, what number would I call?

Re: First MASSIVE App and CLI Spree

Anonymous — Tue, 14 Jul 2015 20:45:59 GMT

Good work! Congrats!

Re: First MASSIVE App and CLI Spree

GoldSorata — Tue, 14 Jul 2015 20:55:03 GMT

Nice! Some good cards there. A suggestion... I would have done the CLIs first, let them report and then done the apping for new cards.

Re: First MASSIVE App and CLI Spree

s_haliz — Tue, 14 Jul 2015 21:20:56 GMT

Jumbo x Jumbo Congratulations!!!!!!!

Re: First MASSIVE App and CLI Spree

becontent — Tue, 14 Jul 2015 21:24:26 GMT

Congrats! Great cards all around..

Re: First MASSIVE App and CLI Spree

JunMT89 — Tue, 14 Jul 2015 21:32:39 GMT

@GoldSorata wrote:
Nice! Some good cards there. A suggestion... I would have done the CLIs first, let them report and then done the apping for new cards.

This is true and I kinda did that already over the past few months. A month or two ago I used Synchrony chat to get Walmart Store, Amazon Store, and JCPenney cards all to $5k limits from $1k. And I also got on that Discover luv train and got my limit from $3k to $10k in 3 months.

I would have done more CLIs but my other cards are HPs for CLI. (NFCU wouldn't give me an instant SP increase).

I wanted all my HPs to be for apps first and then CLIs just in case any of them are INQ sensitive.

Basically, the timing for this spree was perfect because my $9000 Lending Club personal loan has not reported yet (got this middle of last month). Used that loan to consolidate high interest cards and lower utilization in preparation for this app spree.

Re: First MASSIVE App and CLI Spree

Anonymous — Tue, 14 Jul 2015 23:04:26 GMT

Well done !

Re: First MASSIVE App and CLI Spree

Scupra — Tue, 14 Jul 2015 23:09:23 GMT

Congrats on all the success you have had so far and good luck to what is still pending

Re: First MASSIVE App and CLI Spree

Anonymous — Wed, 15 Jul 2015 00:31:43 GMT

Congrats! Some excellent new cards and awesome CLI's!

Re: First MASSIVE App and CLI Spree

Themanwhocan — Wed, 15 Jul 2015 00:50:37 GMT

@JunMT89 wrote:
First ever app spree and CLI spree and it was exhilarating =]
Not too worried about inquiries because I won't be buying a car or house for a year at least (hopefully).
Main cards I really really wanted are US Bank Cash+, Sallie Mae, and Amex BCE.

myFICO scores at time of applying: (just noticed how badly my SIG needs to be updated lol)
EQ = 725
TU = 748
EX = 748

These are somewhat in order:

New Apps:
US Bank Cash+ = Pending
Sallie Mae WMC = $4000 SL
Amex BCE = $2000 SL
Quicksilver = $3000 SL
VentureOne = $7500 SL
Chase Slate = Denied because too many accounts in last two years (should've tried for this card before they started using that lame reason)
FNBO Amex = Pending

CLIs:
BofA cash Rewards CLI = $2k CLI to $2.7k
Discover IT = Denied (currently at $10k limit anyway thanks to their LUV train)
Chase CLI = Pending (currently $500 limit since August 2011, two CLI attempts denied)
NFCU cashRewards = $3500 CLI to $11000
NFCU NAVchek = $4000 CLI to max $15k
Amazon Store Card = $1k CLI to $6k chat
Old Navy Visa = $500 CLI to $2.7k (tried chat the day after but denied...should've used chat first)
JCPenney = $1k CLI to $6k chat
VS Angel CLI = $200 CLI x 2
J Crew CLI = $200 CLI

EDIT: Does anyone know if I should call in to US Bank to have them check on my app? If so, what number would I call?

Good job. And the new cards you applied for (except Chase) each have methods of getting CLI's via SP in the future.

Check the Status of My Credit Card Application? Please call 800-947-1444 and choose option 1 for the status of an application. The potential cardmember will be required to enter his/her social security number to locate the application. Additional verification item(s) will be needed to validate.

Re: First MASSIVE App and CLI Spree

Anonymous — Wed, 15 Jul 2015 04:53:21 GMT

Wow! Congratulations on your success so far!

Re: First MASSIVE App and CLI Spree

Anonymous — Wed, 15 Jul 2015 04:58:09 GMT

Super congrats on your success!

Re: First MASSIVE App and CLI Spree

alextercero — Wed, 15 Jul 2015 05:35:48 GMT

Nice! Congrats on your success

Re: First MASSIVE App and CLI Spree

JunMT89 — Wed, 15 Jul 2015 20:25:50 GMT

Thank you everyone!!! =]]

And more success!!!

The FNBO pending app is now approved!!!

Your application was approved on 07/14/2015 with an initial credit line of $2,600.00. A card will be sent to you within 7-10 business days.

Also just checked my Chase Freedom and the limit has been increase to $5000!!! Finally I can use the card without worrying about a $500 limit.

EDIT: And the HUGE SUCCESS!!!

Just got off the phone with US Bank and I was approved for the Cash+ with $5000 limit!!! YAY

Re: First MASSIVE App and CLI Spree

Anonymous — Wed, 15 Jul 2015 22:06:11 GMT

Fantastic Job, congrats on the approvals