topic Re: So excited! My little app spree.. in Credit Card Approvals

So excited! My little app spree..

Anonymous — Thu, 14 Jul 2016 17:28:00 GMT

Started with my first card in 02/2016 Chase Freedom for $500. I had had some loans before (all paid off at this time) but never a credit card. I had also banked with Chase for quite some time.

05/2016 Chase approved me for a Slate for another $500 despite my Freedom reporting a 97% utilization. Right after I received the Slate I found this forum and starting reading, reading, reading!

Yesterday I managed to force both Chase cards to report a 0% utilization (paid Freedom to $0, I found out here that Chase will report mid cycle if the balance hits $0... and I changed the bill date on Slate and it forced a balance update) bringing my CreditCheckTotal Fico scores to low 700s(705-715).

First up was NFCU which I recently joined using my father-in-law as a sponser (existing member, retired Navy). Applied for cashRewards and was instantly approved for $1k. Not exactly what I was hoping for given their record of overly generous SL's but understandable because I only had the two $500 Chase cards for under 6 months. I sent a secure message saying I was let down because I was expecting a higher limit and they promptly increased the SL to 2k! Sweet!

I then applied for DiscoverIT (not sure why, I had planned everything out and Discover wasn't on my plan) and they immediately approved me for $5,500 SL!

I was feeling ballsy because of the Discover approval so I applied for NFCU CLOC. My initial plan was to wait for the NFCU cashRewards card report before applying for anything else, but the Discover approval had me going... APPROVED FOR THE FULL $15,000!

I said screw it, I'll apply for the other 2 cards I want. Sam's Club MC! Got a 'we'll mail you a letter in 7-10 days with our response' message. Figured denial. But I searched this forum and read a lot of verification problems with Synchrony applications. I called and told them my name, SSN, and address, and they approved me for $1.3k. I was afraid because she called it my Sam's credit account, but the Sam's site now has a MasterCard linked to my account! WOOHOO! I've read CreditSolutions will up your SL a ton with these Sam's cards but with all the Synchrony problems being reported right now I'll just wait until my 4 month mark for a CLI.

AmEx BCE! At the end of the application it asked me to enter back in a code that would be sent to my phone number. It listed the wrong phone number, so I put I didn't have access to that number anymore. I don't think the application asked for a phone number. For what it's worth I moved in March. Got the 14 day letter response. Online Status shows pending. Gave them a call and the CSR said I was under fraud review and to expect an answer in 2-3 days.

So... from $1k credit to currently $24.8k credit! I'm so excited. NFCU and AmEx seem pretty easy to get very high limits in a short period of time, and I'm going into the garden now! Wahoo

UPDATE: thought I'd give a little clearer picture of my credit profile. The Sam's Club account was reported immediately so some stuff is a little skewed

AAOA: 1.3 years (was 1.5 at the time of application)

Oldest account: 4.7 years

Util: 7% (was 21% at time of application, the Slate had reported a balance before I applied, didn't realise until afterwards)

Exp INQ: 10(was 8)

TU INQ: 7 (was 4)

EQ INQ: 5 (was 3)

Total TL limit: $2300(was $1000)

Approx Income: $40k

Scores post app spree but with only the new Sam's card reporting

Exp: 706

TU: 742

EQ: 723

Once other stuff reports my Util will drop to 1% but my AAOA will tank.

AmEx app is still pending! I don't know if my phone auto generated an old phone number or what but my application had an old phone number tied to it. I honestly don't remember entering a phone number on the application. I called AmEx new accounts 3 times and they all told me to just wait for a phone call, even though I told them they have the wrong phone number. Apparently my application is under fraud review and THEY have to call ME? I tried tweeting at them, and was told to call New Accounts Hotline. I tweeted back what they told me, and AmEx replied if they can't reach me by phone they'll snail mail identity verification to me.

Re: So excited! My little app spree..

Pway — Mon, 11 Jul 2016 18:07:26 GMT

Congrats on those nice approvals.

Re: So excited! My little app spree..

Anonymous — Mon, 11 Jul 2016 18:13:28 GMT

Congratulations!

Re: So excited! My little app spree..

Anonymous — Mon, 11 Jul 2016 18:27:24 GMT

So happy for you. Enjoy your stay on cloud 9!

Re: So excited! My little app spree..

Anonymous — Mon, 11 Jul 2016 18:29:10 GMT

@Anonymous wrote:
Started with my first card in 02/2016 Chase Freedom for $500. I had had some loans before (all paid off at this time) but never a credit card. I had also banked with Chase for quite some time.

05/2016 Chase approved me for a Slate for another $500 despite my Freedom reporting a 97% utilization. Right after I received the Slate I found this forum and starting reading, reading, reading!

Yesterday I managed to force both Chase cards to report a 0% utilization (paid Freedom to $0, I found out here that Chase will report mid cycle if the balance hits $0... and I changed the bill date on Slate and it forced a balance update) bringing my CreditCheckTotal Fico scores to low 700s(705-715).

First up was NFCU which I recently joined using my father-in-law as a sponser (existing member, retired Navy). Applied for cashRewards and was instantly approved for $1k. Not exactly what I was hoping for given their record of overly generous SL's but understandable because I only had the two $500 Chase cards for under 6 months. I sent a secure message saying I was let down because I was expecting a higher limit and they promptly increased the SL to 2k! Sweet!

I then applied for DiscoverIT (not sure why, I had planned everything out and Discover wasn't on my plan) and they immediately approved me for $5,500 SL!

I was feeling ballsy because of the Discover approval so I applied for NFCU CLOC. My initial plan was to wait for the NFCU cashRewards card report before applying for anything else, but the Discover approval had me going... APPROVED FOR THE FULL $15,000!

I said screw it, I'll apply for the other 2 cards I want. Sam's Club MC! Got a 'we'll mail you a letter in 7-10 days with our response' message. Figured denial. But I searched this forum and read a lot of verification problems with Synchrony applications. I called and told them my name, SSN, and address, and they approved me for $1.3k. I was afraid because she called it my Sam's credit account, but the Sam's site now has a MasterCard linked to my account! WOOHOO! I've read CreditSolutions will up your SL a ton with these Sam's cards but with all the Synchrony problems being reported right now I'll just wait until my 4 month mark for a CLI.

AmEx BCE! At the end of the application it asked me to enter back in a code that would be sent to my phone number. It listed the wrong phone number, so I put I didn't have access to that number anymore. I don't think the application asked for a phone number. For what it's worth I moved in March. Got the 14 day letter response. Online Status shows pending. Gave them a call and the CSR said I was under fraud review and to expect an answer in 2-3 days.

So... from $1k credit to currently $24.8k credit! I'm so excited. NFCU and AmEx seem pretty easy to get very high limits in a short period of time, and I'm going into the garden now! Wahoo

Congratulations On Your Approval....Thanks For Sharing..

Re: So excited! My little app spree..

Anonymous — Mon, 11 Jul 2016 21:08:42 GMT

This is how you do it !!!!!

@Anonymous wrote:
Started with my first card in 02/2016 Chase Freedom for $500. I had had some loans before (all paid off at this time) but never a credit card. I had also banked with Chase for quite some time.

05/2016 Chase approved me for a Slate for another $500 despite my Freedom reporting a 97% utilization. Right after I received the Slate I found this forum and starting reading, reading, reading!

Yesterday I managed to force both Chase cards to report a 0% utilization (paid Freedom to $0, I found out here that Chase will report mid cycle if the balance hits $0... and I changed the bill date on Slate and it forced a balance update) bringing my CreditCheckTotal Fico scores to low 700s(705-715).

First up was NFCU which I recently joined using my father-in-law as a sponser (existing member, retired Navy). Applied for cashRewards and was instantly approved for $1k. Not exactly what I was hoping for given their record of overly generous SL's but understandable because I only had the two $500 Chase cards for under 6 months. I sent a secure message saying I was let down because I was expecting a higher limit and they promptly increased the SL to 2k! Sweet!

I then applied for DiscoverIT (not sure why, I had planned everything out and Discover wasn't on my plan) and they immediately approved me for $5,500 SL!

I was feeling ballsy because of the Discover approval so I applied for NFCU CLOC. My initial plan was to wait for the NFCU cashRewards card report before applying for anything else, but the Discover approval had me going... APPROVED FOR THE FULL $15,000!

I said screw it, I'll apply for the other 2 cards I want. Sam's Club MC! Got a 'we'll mail you a letter in 7-10 days with our response' message. Figured denial. But I searched this forum and read a lot of verification problems with Synchrony applications. I called and told them my name, SSN, and address, and they approved me for $1.3k. I was afraid because she called it my Sam's credit account, but the Sam's site now has a MasterCard linked to my account! WOOHOO! I've read CreditSolutions will up your SL a ton with these Sam's cards but with all the Synchrony problems being reported right now I'll just wait until my 4 month mark for a CLI.

AmEx BCE! At the end of the application it asked me to enter back in a code that would be sent to my phone number. It listed the wrong phone number, so I put I didn't have access to that number anymore. I don't think the application asked for a phone number. For what it's worth I moved in March. Got the 14 day letter response. Online Status shows pending. Gave them a call and the CSR said I was under fraud review and to expect an answer in 2-3 days.

So... from $1k credit to currently $24.8k credit! I'm so excited. NFCU and AmEx seem pretty easy to get very high limits in a short period of time,

and I'm going into the garden now! Wahoo

Drop the mic......and head to the garden....I LOVE it, beautiful come up

The OP can STAY in the garden (other than SP ..CLI's) IMO for at least 18 months, letting all those accounts mature TOGETHER...building a strong, robust thck file, w/o need to app for anything , other than a car/home....there is plenty to work with, with the TL's currently on that roster

Chase twice

NFCU

Discover

Sam's Club MC-Synchrony

AmEx (maybe)

+ the credit mix of the loans (that will be reported for 10 years)

Like I said that's a monster file with some aging added to it...there is not need for another HP on that file till 2018

Thanks for sharing...Best of Luck

Re: So excited! My little app spree..

CreditCuriosity — Mon, 11 Jul 2016 21:24:00 GMT

Very nice runs.. Appears you batter 100% most likely!

Re: So excited! My little app spree..

Anonymous — Mon, 11 Jul 2016 22:27:35 GMT

Very nice, congrats !!

Re: So excited! My little app spree..

Vegas4Play — Tue, 12 Jul 2016 06:44:24 GMT

Nice congrats to you on your success!!

Re: So excited! My little app spree..

RonM21 — Tue, 12 Jul 2016 09:30:34 GMT

Congrats on the success!!!!

Re: So excited! My little app spree..

Anonymous — Thu, 14 Jul 2016 17:24:58 GMT

Thank you everyone!

UPDATE: thought I'd give a little clearer picture of my credit profile. The Sam's Club account was reported immediately so some stuff is a little skewed

AAOA: 1.3 years (was 1.5 at the time of application)
Oldest account: 4.7 years
Util: 7% (was 21% at time of application, the Slate had reported a balance before I applied, didn't realise until afterwards)
Exp INQ: 10(was 8)
TU INQ: 7 (was 4)
EQ INQ: 5 (was 3)
Total TL limit: $2300(was $1000)
Approx Income: $40k

Scores post app spree but with only the new Sam's card reporting
Exp: 706
TU: 742
EQ: 723

Once other stuff reports my Util will drop to 1% but my AAOA will tank.

AmEx app is still pending! I don't know if my phone auto generated an old phone number or what but my application had an old phone number tied to it. I honestly don't remember entering a phone number on the application. I called AmEx new accounts 3 times and they all told me to just wait for a phone call, even though I told them they have the wrong phone number. Apparently my application is under fraud review and THEY have to call ME? I tried tweeting at them, and was told to call New Accounts Hotline. I tweeted back what they told me, and AmEx replied if they can't reach me by phone they'll snail mail identity verification to me.

Re: So excited! My little app spree..

Anonymous — Thu, 14 Jul 2016 17:42:10 GMT

Nice info! Can you share your fico scores after the accounts appear on your credit? I apped for 3 cards this past week and I'm curious and also scared how it'll affect my scores. My oldest is 2.3 years and AAoA is 1 year

Re: So excited! My little app spree..

GetMeSlick — Thu, 14 Jul 2016 18:15:28 GMT

Wow OP. tremendous increase on your Total CL.