topic Re: Lowes and US Bank Smiths123 Rewards Approved, spree in Credit Card Approvals

Update:Lowes and US Bank Smiths123 Rewards Approved, spree

Reazon — Thu, 16 May 2019 23:57:30 GMT

Hello everyone,
 
I have a confession, mixed emotions I guess,
I wanted to garden, I spree'd against my better judgement, give it to me.
first app
  Chase Freedom Unltd.--Denied.  no offers, I knew I shouldn't have, but my Amex will report next couple days, that will put me 5/24 for 12 months. Exp. pulled
Second App.
  Us Bank Smiths 123 Rewards-- INSTANT APPROVAL. 5K SL. I spend about 1K monthly in groceries, I'll get about $1 of gal. of fuel ea time I fill up, 2 cars about 3 fills ea. month.  Free $100 in groceries. not bad, Kroger stopped taking Visa. So it made sense. TU Pulled
Third App.
  Lowes-- INSTANT APPROVAL.  1K SL.  Need some appliances soon, 0% not bad. But dissappointed in the Low SL, was hoping for at least 3K.  What's the best number to recon the SL for Lowes? TU pulled
 
This is where I knew I should have stopped, but I want into Citi.
Fourth App.
  Citi Rewards+-- Instant Denial. I was sad.  Exp pulled
wanted to maximize travel benefits and the 0% offer
Only prequal I showed was for Home Depot.??
 
I really wanted in with the Freedom Unlimited. that made me the most sadest. then pounded with Citi denial. 
 
AND.. Tomorrow is my 61 day for Amex., I feel I messed that up with all the INQ's.
Exp Fico 8 Dropped 12 points this morning to 699
let me have it

Re: Lowes and US Bank Smiths123 Rewards Approved, spree

Anonymous — Tue, 14 May 2019 04:30:33 GMT

INQ are only temprorary and don't hurt that much.

Lowes can be a quick call to Credit Solutions and bumped up significantly

Chase will present opportunities down the road it's not the end of the world.

Re: Lowes and US Bank Smiths123 Rewards Approved, spree

Marz2002 — Tue, 14 May 2019 13:16:50 GMT

@Anonymous wrote:
INQ are only temprorary and don't hurt that much.

Lowes can be a quick call to Credit Solutions and bumped up significantly

Chase will present opportunities down the road it's not the end of the world.

+1, AGREED!!!

I would call Credit Solutions right away to Recon!

Re: Lowes and US Bank Smiths123 Rewards Approved, spree

pinkandgrey — Tue, 14 May 2019 13:18:45 GMT

Congrats on the approvals! Sorry about those denials, but at least you got some good cards out of the deal.

Re: Lowes and US Bank Smiths123 Rewards Approved, spree

xaximus — Tue, 14 May 2019 19:47:40 GMT

Congrats on the approval!

Re: Lowes and US Bank Smiths123 Rewards Approved, spree

Brooklyn2018 — Wed, 15 May 2019 00:21:15 GMT

Congrats on your approvals!! Like @pinkandgrey at least you got some nice cards. I need that Lowe’s card(after recon😉) and I’ll trade ya my Fingerhut Card-it’s got great deals!!!🤣😂🤣😂

👍👍👍

Re: Lowes and US Bank Smiths123 Rewards Approved, spree

credit_is_crack — Wed, 15 May 2019 02:53:26 GMT

Congrats on the Lowes and USB Wins @Reazon! So you went on a bender -- I'm VERY guilty of that and sometimes you wake up a little bit more sober and realize.. "yeah I won't be bringing that up later"

Ignore the Chase/Citi denials, you banked on US Bank (solid bank) and Lowes (which can grow much faster than the other three combined). Sync is big on TU so if you have a LOT of activity there you may find a rejection for a CLI but call them up (Credit Solutions number found on this forum, usually a US based center) and let them know you planned on getting some appliances and they'll check it out. Usually its a SP but ask to confirm so you're ready for it. Congrats again!!

Re: Update:Lowes and US Bank Smiths123 Rewards Approved, spree

Reazon — Thu, 16 May 2019 23:57:45 GMT

Update:
I called into Lowes credit solutions for a recon my low SL, we'll happy to report they bumped me up to 10k! The full amount I asked for, maybe I should of asked for more, but I'm ok with it. I know it will grow.
Again without the knowledge I gained here, this wouldn't have happened so quickly.
Thank you
Now time to recon Chase and Citi, I'll report later. Hahaha