topic Re: Heading To The Garden After This! in Credit Card Approvals

Heading To The Garden After This!

Anonymous — Thu, 23 Aug 2018 00:16:35 GMT

To my Forum Family,

First of all, you all totally rock! From the sharing of your stories and experiences to answers to direct questions, I definitely have gotten great advice from folks who have a lot of knowledge and experience in this game – thanks. Happy to share that it’s been quite a month!

Starting DPs:

1) EQ 730/TU 734/EX 712.

2) 18 INQs total: 13 werefairly evenly split between EQ and EX, and 5 for TU.

In the credit card department, I attempted a targeted spree; taking advantage of SPs while minimizing HPs:

AMEX Plat, by invitation – instant online approval, w/$30K Pay Over Time. SP.

AMEX Plat Delta and AMEX Magnet, back to back apps, instant online approvals, both were SPs.

Attempted CLI on Cap One Plat, declined; although, silver lining, successfully PC’d to QS. SP.

Targeted HPs: Barclay’s Uber, US Bank Cash +, Synch Marvel. For Barclay’s and USB I got the 7-10 day waitlist; called both the next day – asked to verify name, SS, address – no other verification info requested. Got approval on both. Apped for Synch Marvel, was a no-go; in hindsight, I’m thinking I should not have gone for that right now. I applied for this as my #3, and by that time I had racked up 2 previous HPs with Barclays and USB. In any event, the denial wasn’t instant. I got the 7-10 day waitlist, called in on it, and learned was declined. Silver lining – because of the decline I at least learned what worked against me in the app process, and those things I will work on in the garden.

Also, scored In the mortgage department (I know this is shared under a different topic, but wanted to include here as well). Recently relocated and picked up a shiny :-) new mortgage, approx $500K at 4.8% - not the greatest rate, but overcoming some mortgage baddies within the last 24. I think I simply need to put time and distance between then and now.

In summary, 5 new logos for the sig, and with that, overall pleased with the spree results, but have work to do… Will be tending to the weeds in the garden for a while :-)

Re: Heading To The Garden After This!

JR_TX — Thu, 23 Aug 2018 00:30:12 GMT

Congrats! Amazing approvals on amazing cards! Congrats on your new mortgage as well!!

You did great over-all despite a couple of setbacks.

... tipping my hat!

Re: Heading To The Garden After This!

Anonymous — Thu, 23 Aug 2018 00:38:23 GMT

Thanks, JR!

Re: Heading To The Garden After This!

Anonymous — Thu, 23 Aug 2018 00:41:27 GMT

Wow that's a pretty big app spree lol. I thought my recent 3 apps were too much xD.

Re: Heading To The Garden After This!

Pikaboo-icu — Thu, 23 Aug 2018 00:42:26 GMT

Congrats to you..

That's a nice over-all line up for sure.. Super CONGRATS on the mortgage!!! The most important account one will ever have..

Re: Heading To The Garden After This!

MrDFinance — Thu, 23 Aug 2018 01:20:35 GMT

Congrats on Building a great arensal!!..

Re: Heading To The Garden After This!

Cred4All — Thu, 23 Aug 2018 01:57:53 GMT

Congrats on the successful spree!

Re: Heading To The Garden After This!

Anonymous — Thu, 23 Aug 2018 02:12:18 GMT

@Anonymous wrote:
Wow that's a pretty big app spree lol. I thought my recent 3 apps were too much xD.

Thanks - I figured I'd be in the garden for a while, so tried to make it count (without totally killing my scores!)

Re: Heading To The Garden After This!

Anonymous — Thu, 23 Aug 2018 02:12:53 GMT

@Cred4All wrote:
Congrats on the successful spree!

Thanks!

Re: Heading To The Garden After This!

Anonymous — Thu, 23 Aug 2018 02:14:26 GMT

@Pikaboo-icu wrote:
Congrats to you..
That's a nice over-all line up for sure.. Super CONGRATS on the mortgage!!! The most important account one will ever have..

Thanks! Right with you on the mortgage - it was definitely job #1

Re: Heading To The Garden After This!

Anonymous — Thu, 23 Aug 2018 02:15:34 GMT

@MrDFinance wrote:
Congrats on Building a great arensal!!..

Thanks!

Re: Heading To The Garden After This!

Meanmchine — Thu, 23 Aug 2018 02:41:59 GMT

@Anonymous wrote:
To my Forum Family,

First of all, you all totally rock! From the sharing of your stories and experiences to answers to direct questions, I definitely have gotten great advice from folks who have a lot of knowledge and experience in this game – thanks. Happy to share that it’s been quite a month!

Starting DPs:
1) EQ 730/TU 734/EX 712.
2) 18 INQs total: 13 werefairly evenly split between EQ and EX, and 5 for TU.

In the credit card department, I attempted a targeted spree; taking advantage of SPs while minimizing HPs:

AMEX Plat, by invitation – instant online approval, w/$30K Pay Over Time. SP.
AMEX Plat Delta and AMEX Magnet, back to back apps, instant online approvals, both were SPs.

Attempted CLI on Cap One Plat, declined; although, silver lining, successfully PC’d to QS. SP.

Targeted HPs: Barclay’s Uber, US Bank Cash +, Synch Marvel. For Barclay’s and USB I got the 7-10 day waitlist; called both the next day – asked to verify name, SS, address – no other verification info requested. Got approval on both. Apped for Synch Marvel, was a no-go; in hindsight, I’m thinking I should not have gone for that right now. I applied for this as my #3, and by that time I had racked up 2 previous HPs with Barclays and USB. In any event, the denial wasn’t instant. I got the 7-10 day waitlist, called in on it, and learned was declined. Silver lining – because of the decline I at least learned what worked against me in the app process, and those things I will work on in the garden.

Also, scored In the mortgage department (I know this is shared under a different topic, but wanted to include here as well). Recently relocated and picked up a shiny :-) new mortgage, approx $500K at 4.8% - not the greatest rate, but overcoming some mortgage baddies within the last 24. I think I simply need to put time and distance between then and now.

In summary, 5 new logos for the sig, and with that, overall pleased with the spree results, but have work to do… Will be tending to the weeds in the garden for a while :-)

And moral of this story is .......

If you're gonna do a 3 card app spree, make sure they pull from different CRAs

Barclays, US Bank, and Synchrony are all notorious TU pullers.

Re: Heading To The Garden After This!

Anonymous — Thu, 23 Aug 2018 04:26:35 GMT

Congrats on all the approvals!

Re: Heading To The Garden After This!

Anonymous — Thu, 23 Aug 2018 13:52:02 GMT

@Meanmchine wrote:
@Anonymous wrote:
To my Forum Family,

First of all, you all totally rock! From the sharing of your stories and experiences to answers to direct questions, I definitely have gotten great advice from folks who have a lot of knowledge and experience in this game – thanks. Happy to share that it’s been quite a month!

Starting DPs:
1) EQ 730/TU 734/EX 712.
2) 18 INQs total: 13 werefairly evenly split between EQ and EX, and 5 for TU.

In the credit card department, I attempted a targeted spree; taking advantage of SPs while minimizing HPs:

AMEX Plat, by invitation – instant online approval, w/$30K Pay Over Time. SP.
AMEX Plat Delta and AMEX Magnet, back to back apps, instant online approvals, both were SPs.

Attempted CLI on Cap One Plat, declined; although, silver lining, successfully PC’d to QS. SP.

Targeted HPs: Barclay’s Uber, US Bank Cash +, Synch Marvel. For Barclay’s and USB I got the 7-10 day waitlist; called both the next day – asked to verify name, SS, address – no other verification info requested. Got approval on both. Apped for Synch Marvel, was a no-go; in hindsight, I’m thinking I should not have gone for that right now. I applied for this as my #3, and by that time I had racked up 2 previous HPs with Barclays and USB. In any event, the denial wasn’t instant. I got the 7-10 day waitlist, called in on it, and learned was declined. Silver lining – because of the decline I at least learned what worked against me in the app process, and those things I will work on in the garden.

Also, scored In the mortgage department (I know this is shared under a different topic, but wanted to include here as well). Recently relocated and picked up a shiny :-) new mortgage, approx $500K at 4.8% - not the greatest rate, but overcoming some mortgage baddies within the last 24. I think I simply need to put time and distance between then and now.

In summary, 5 new logos for the sig, and with that, overall pleased with the spree results, but have work to do… Will be tending to the weeds in the garden for a while :-)
And moral of this story is .......

If you're gonna do a 3 card app spree, make sure they pull from different CRAs
Barclays, US Bank, and Synchrony are all notorious TU pullers.

Indeed - but in this case, I was already saturated with EX and EQ inquiries, and very few (relatively speaking) on TU, hence - to your point - why I targeted TU. And, technically speaking, there was likely one or more EX pulls, but it was SP. That said, I probably went too deep on TU with the Synch app. Thanks for the input!

Re: Heading To The Garden After This!

Anonymous — Thu, 23 Aug 2018 13:54:27 GMT

@Anonymous wrote:
Congrats on all the approvals!

Thanks!

Re: Heading To The Garden After This!

xaximus — Thu, 23 Aug 2018 16:32:37 GMT

Congrats on your approvals and the new mortgage!

Re: Heading To The Garden After This!

sghosh5 — Thu, 23 Aug 2018 17:33:41 GMT

Awesome approvals. Congrats. Man i so want an AMEX platinum or simply a CLI from them. My card is just stuck at 1K since 2013 . I get rejected everytime for weird reasons (low FICO score) from them smh

Re: Heading To The Garden After This!

Anonymous — Thu, 23 Aug 2018 18:00:46 GMT

@sghosh5 wrote:
Awesome approvals. Congrats. Man i so want an AMEX platinum or simply a CLI from them. My card is just stuck at 1K since 2013 . I get rejected everytime for weird reasons (low FICO score) from them smh

That's so weird! I always thought AMEX was very lenient with their CLIs for me. The FICO score in your signature seems pretty good too so the reasoning is pretty weird too.

Re: Heading To The Garden After This!

sghosh5 — Thu, 23 Aug 2018 21:33:01 GMT

Yes maybe they don’t want my business oh well..

Re: Heading To The Garden After This!

Anonymous — Thu, 23 Aug 2018 21:40:43 GMT

Hmm did you have a bankruptsy in your past or some major delinquent payments? I hear Amex is not so lenient with those on your record even if your credit is good now.