topic App Spree Approvals: Thin File in Credit Card Approvals

App Spree Approvals: Thin File

Anonymous — Tue, 06 Dec 2016 23:19:45 GMT

I thought I'd report the results of my app apree and provide some datapoints. I have a thin file. A Discover card that just reached 1 year, 1,500 CL. AU on my fiance's BOA card with a $ 2,500 CL. My Experian credit score is a 787, My Transunion is a 772. I applied for the BCE and was instantly approved with a $2,000 limit. I also applied for the Quicksilver Visa and was approved with a 10,000 SL! I initally did not think I would have even been approved for this card because of my thin file. I initally recieved the 7-10 day message when I applied and no way did I think I would have recieved a 10,000 SL had I been approved. I had to ask the CSR to repeat what she said because I though I has misheard. I'm estatic! I thought AMEX would have been the one to give me the awesome limit based on what I read about how generous of a lender they are.

I'd like to ask for 3x the CLI with Amex, once I get the card so that it will be closer the the limit I have with Capital One. I just need Discover to show me some luv. I asked for a crdit limit increase juat recently after it being 3 months. It was denied for inssuffucant hsitory at current credit limit.

Re: App Spree Approvals: Thin File

gdale6 — Thu, 08 Dec 2016 20:29:07 GMT

Nice run, enjoy

Re: App Spree Approvals: Thin File

defenses — Thu, 08 Dec 2016 23:25:20 GMT

Nice spree! My CapOne card also gave me a $10k starting limit. I was shocked as well! I know a lot of people have had luck with Discover CLI but I haven't. Discover doesn't seem to really like me that much. They have been giving me a small auto CLI every six months so hopefully they will give you one soon.

Re: App Spree Approvals: Thin File

Anonymous — Wed, 21 Dec 2016 03:25:20 GMT

Congratulations on your approvals! Don't worry, Discover will eventually show luv to ya.