topic Re: The Haul!!! in Credit Card Approvals

The Haul!!!

CreditEd — Fri, 02 Nov 2012 00:46:30 GMT

It was Oct 16, and I'd just paid my HSBC and Citi Thankyou payments down to zero. My fingers were burning with desirew b/c I knew that I was going to get a boost to somehwere over 750 in just a few days. Then on 10/21 it popped. The Alert showed up in my email letting me know that my score has changed...

With those two bills paid to 0 my EQ went to 787 and my EX went to 726. So happy that I was sweating bullets, then full on torpedo shells. Couldn't hold out...

Apped for AMEX HHonors and got approved. Apped for AMEX Delta got in progress but later approved. Dug out the Citi Hilton Honors offer letter that I'd received back in August, got SUPER approved. Apped for the US Bank Cash + (I'd opened a bank account with them a few months ago in preparation for this card), got approved. Apped for the CSP, I knew that I shouldn't have b/c of my bad relationship with Chase. Thought my EQ score would get me passed the aumoated edits though. They pulled both EQ and EX (burned a hp) and got denied. Then as the last drop of sweat rolled off of my brow apped for the FNBO MC, they've been sending offers now for three months. Got approved!!!!!

I'm not only in the garden but litterally leaving the farm. The only card that I could even want for at this point is the Saks WEMC (no AF). But no need to fret at all. Got to go and polish up the wallet jewelery.

THANKS SO MUCH TO SO MANY on this board. Truly a joint effort!!!!!

Re: The Haul!!!

jsucool76 — Fri, 02 Nov 2012 00:53:02 GMT

Quite a spree. Sorry about the CSP

but CONGRATS on everything else I'm jealous.

Re: The Haul!!!

CreditEd — Fri, 02 Nov 2012 00:57:03 GMT

BTW. Cut up the Capital One "Platinum" Card with the $750 limit for 3 years now.....

That was actually the best of it all.

Re: The Haul!!!

jsucool76 — Fri, 02 Nov 2012 00:58:29 GMT

@CreditEd wrote:
BTW. Cut up the Capital One "Platinum" Card with the $750 limit for 3 years now.....

That was actually the best of it all.

Ouch! Don't say that near me, they might lower my limit simply for responding to this thread!!!

eh, they served their purpose. No need for them now that you got some real cards

Re: The Haul!!!

Epcot — Fri, 02 Nov 2012 01:01:19 GMT

Congrats on the approvals!

Re: The Haul!!!

CreditEd — Fri, 02 Nov 2012 01:03:32 GMT

@jsucool76 wrote:
@CreditEd wrote:
BTW. Cut up the Capital One "Platinum" Card with the $750 limit for 3 years now.....

That was actually the best of it all.
Ouch! Don't say that near me, they might lower my limit simply for responding to this thread!!!

eh, they served their purpose. No need for them now that you got some real cards

Still holding the HSBC. But that's to keep some AAoA. Another sweetspot are that the two AMEX consumer cards will hit with a date of 1998. The other cards will hit with far greater limits that I'd had previously so once I go through the storm for a month or two, things should be all good again. Hope not to drop out of the 700s despite all the activity? Will See???

Re: The Haul!!!

CreditEd — Fri, 02 Nov 2012 01:04:58 GMT

THX. You're VERY close to your goals. Your day of fever will come really really soon. I know it doesn't feel that way...

Re: The Haul!!!

jsucool76 — Fri, 02 Nov 2012 01:05:50 GMT

@CreditEd wrote:
@jsucool76 wrote:
@CreditEd wrote:
BTW. Cut up the Capital One "Platinum" Card with the $750 limit for 3 years now.....

That was actually the best of it all.
Ouch! Don't say that near me, they might lower my limit simply for responding to this thread!!!

eh, they served their purpose. No need for them now that you got some real cards
Still holding the HSBC. But that's to keep some AAoA. Another sweetspot are that the two AMEX consumer cards will hit with a date of 1998. The other cards will hit with far greater limits that I'd had previously so once I go through the storm for a month or two, things should be all good again. Hope not to drop out of the 700s despite all the activity? Will See???

closing a card won't affect your AAoA, only your utilization. The card stays on your reports for the next 10 years, so if it has an AF and isn't doing anything for you I would just drop it.

Re: The Haul!!!

CreditEd — Fri, 02 Nov 2012 01:20:30 GMT

closing a card won't affect your AAoA, only your utilization. The card stays on your reports for the next 10 years, so if it has an AF and isn't doing anything for you I would just drop it.

understand... Old cards are like old spouses, hard not to go back, and back, and back...

Re: The Haul!!!

distantarray — Fri, 02 Nov 2012 01:37:20 GMT

That's great, but did you really need two hilton cards? lol i guess if you stay there a lot but still.... haha

and Delta skymiles are pretty terrible card.... worst card with Amex...... switch it to a BCP/BCE imo..... my dad's been playing around with his and we can't get **bleep** for what the advertised rate is. 1 Miles = 1.1 cent value after all the restrictions and impossible to redeem for advertised miles. It's sad we can't even get tickets when we try to plan about a year ahead with the price of miles quoted on their site.

Re: The Haul!!!

CreditEd — Fri, 02 Nov 2012 01:58:46 GMT

@distantarray wrote:
That's great, but did you really need two hilton cards? lol i guess if you stay there a lot but still.... haha

and Delta skymiles are pretty terrible card.... worst card with Amex...... switch it to a BCP/BCE imo..... my dad's been playing around with his and we can't get **bleep** for what the advertised rate is. 1 Miles = 1.1 cent value after all the restrictions and impossible to redeem for advertised miles. It's sad we can't even get tickets when we try to plan about a year ahead with the price of miles quoted on their site.

Didn't need to AMEX Hilton card. The purpose of both the AMEX cards was to get back into the AMEX consumer door and to get the back dating affect of 1998. Hilton offerred me 60k points and have been sending AMEX offers to me for some time now. I had a Hilton Honors account previously.

The Citi Honors card is the one that I really wanted. Delta Sky is typically the easist revolver to get ,so many on this board say.

Re: The Haul!!!

distantarray — Fri, 02 Nov 2012 02:01:23 GMT

@CreditEd wrote:
Didn't need to AMEX Hilton card. The purpose of both the AMEX cards was to get back into the AMEX consumer door and to get the back dating affect of 1998. Hilton offerred me 60k points and have been sending AMEX offers to me for some time now. I had a Hilton Honors account previously.

The Citi Honors card is the one that I really wanted. Delta Sky is typically the easist revolver to get ,so many on this board say.

That's good I guess, but yea Delta Skymiles easier to get hardest card to actually redeem unless for cash at 1 penny a point value. But possible to PC to a BCE/BCP one of the hardest revolver to get in a few months oddly enough lol

Re: The Haul!!!

CreditEd — Fri, 02 Nov 2012 02:05:26 GMT

That's good I guess, but yea Delta Skymiles easier to get hardest card to actually redeem unless for cash at 1 penny a point value. But possible to PC to a BCE/BCP one of the hardest revolver to get in a few months oddly enough lol

Will certainly heed your advice. Have not had a consumer AMEX card since 2005. Rebuilding with them was a maore goal. Thought the time was right while my score was at its peak.

Re: The Haul!!!

distantarray — Fri, 02 Nov 2012 02:07:40 GMT

@CreditEd wrote:

Will certainly heed your advice. Have not had a consumer AMEX card since 2005. Rebuilding with them was a maore goal. Thought the time was right while my score was at its peak.

yep backdating alone makes this worth it's weight in Gold for your credit score in rebuilding especially. But hey atleast the PC change choices which I was told was ONLY BCE/BCP I started laughing, because those are usually toughest to get. But this might be the better way to go since you can redeem miles per penny so the sign up bonus is better if you go this route.

Re: The Haul!!!

CreditEd — Fri, 02 Nov 2012 02:13:01 GMT

Doubt VERY seriously if I use the Delta card for miles in the first place. Will use Starwood or Bus Platinum to books flights. Must more bene's and rewards. Again this card I thought was the most likely to be approved for (like any of this is science...). Will use just enough to keep open.

This cards purpse has been met allready!

Re: The Haul!!!

distantarray — Fri, 02 Nov 2012 02:15:35 GMT

lol wait you already have starwood? oh wait those are business accounts lol, so this is your first amex in a while for personal right

Re: The Haul!!!

CreditEd — Fri, 02 Nov 2012 02:20:00 GMT

@distantarray wrote:
lol wait you already have starwood? oh wait those are business accounts lol, so this is your first amex in a while for personal right

Nowwwwwww you're getting it!!! I've been trying to "back" into AMEX consumer for 2 years now. This whole thing was to rebuild my credit, rebuild old bridges and create new options as best as I could all while keeping my score up.

Lots of planning with the help of many posters out there.

@distantarray wrote:
lol wait you already have starwood? oh wait those are business accounts lol, so this is your first amex in a while for personal right

Re: The Haul!!!

distantarray — Fri, 02 Nov 2012 02:23:50 GMT

@CreditEd wrote:
Nowwwwwww you're getting it!!! I've been trying to "back" into AMEX consumer for 2 years now. This whole thing was to rebuild my credit, rebuild old bridges and create new options as best as I could all while keeping my score up.
Lots of planning with the help of many posters out there.

lol didn't pay attention to that part, but they do hate bankruptcies but they can't deny you've known responsible credit history with your business accounts.

Re: The Haul!!!

Shogun — Fri, 02 Nov 2012 02:28:02 GMT

Nice spree!!! Congrats on the new plastic.

Re: The Haul!!!

CreditEd — Fri, 02 Nov 2012 02:31:50 GMT

lol didn't pay attention to that part, but they do hate bankruptcies but they can't deny you've known responsible credit history with your business accounts.

Fortunate NOT to have had to go thru a BK. Had LOTS of debt back then and had a job loss. The whole thing came down all at once. ll cards went to 180 day COs. ctually paid off all my cards but by then they had all went to crap. Fortunate enough to have negotiated paid statuses once I settled so I have a Chase card still reporting from 2000 but reporint "Paid As Agreed..."

So paying off the bad debt is actually working out in the long run. AMEX has a long but limited memory. Chase, I'm done there, but that's because they've bought several old accounts form other banks during their bailout consolidations. The account report non offensively on my CRAs but to their internal systems, I'm toast. I'd thought that b/c they were paid off and that my score was so high right now, that perhaps I could get eventually work up to a Palladium one day. That'll never happen...