topic Re: Two Rebound Approvals in Credit Card Approvals

Two Rebound Approvals

Caardvark — Wed, 12 Jun 2019 11:10:22 GMT

I have a big purchase this month (new hardwood floors) and figured I would get a few SUBS for it. After gardening for 8 months I applied for the US Bank Altitude Reserve but was denied (denied again on recon). So... Having already exited the garden with two HPs (and still planning on getting my floors) I went for the next two cards on my short list and both were approved. Worth noting: US Bank pulled EQ for the app and EX for the recon which I was not expecting. They are usually a TU puller (my best score)

NFCU Flagship Rewards $20K SL (50000 points SUB)

Capital One Savor $20K SL ($300 SUB)

On a side note, this is my first NFCU credit product of any kind. And, because there have been more than a few posts from people being denied the Flagship as their first card, I was a little nervous. But, it worked out.

Re: Two Rebound Approvals

AverageJoesCredit — Wed, 12 Jun 2019 11:57:41 GMT

US BANK WHO?

Re: Two Rebound Approvals

Remedios — Wed, 12 Jun 2019 12:18:40 GMT

Congrats on your approvals

Sorry about the denial

Re: Two Rebound Approvals

Anonymous — Wed, 12 Jun 2019 12:29:02 GMT

Hahaha you sure pulled two whales out of the ocean riding that AR denial. Congrats! 🥳

Re: Two Rebound Approvals

LakeLife — Wed, 12 Jun 2019 12:39:23 GMT

Congrats and enjoy those SUBs!

Re: Two Rebound Approvals

xaximus — Wed, 12 Jun 2019 13:19:26 GMT

Congrats on the approvals! It sucks about the denial but I wouldn't worry too much about it since the other 2 more then make up.

Re: Two Rebound Approvals

Anonymous — Wed, 12 Jun 2019 13:48:28 GMT

Congrats on some really nice approvals!!

Bummer about AR; that's the next card on my list. But your 2 other approvals more than make up for it!

Re: Two Rebound Approvals

Marz2002 — Wed, 12 Jun 2019 14:04:51 GMT

BOOM !!!..YOU...

CONGRATS @Caardvark on your Rebound approvals - NFCU Flagship Rewards and Capital One Savor, and the AWESOME SLs!!!

Re: Two Rebound Approvals

Anonymous — Wed, 12 Jun 2019 15:14:19 GMT

The USB TU puller thing is normally only when opening a Checking and adding a CC to the app process.

Outside of that process they're known to pull any of the 3 CRA's.

Re: Two Rebound Approvals

Anonymous — Wed, 12 Jun 2019 15:24:45 GMT

Awesome!

Re: Two Rebound Approvals

Anonymous — Wed, 12 Jun 2019 15:58:04 GMT

Congrats! Great subs too!

Re: Two Rebound Approvals

Anonymous — Wed, 12 Jun 2019 16:01:40 GMT

Congrats on your approvals! Those are two solid cards to have in your portfolio. Condolences for the US Bank denial.

Re: Two Rebound Approvals

Anonymous — Wed, 12 Jun 2019 17:49:58 GMT

Pretty awesome rebound approvals! Congrats on your new NFCU Flagship and Cap One Savors cards!

Re: Two Rebound Approvals

Anonymous — Wed, 12 Jun 2019 19:34:44 GMT

I’m kind of tempted to rebound too. US Bank serving up the pain today.

Re: Two Rebound Approvals

Caardvark — Wed, 12 Jun 2019 21:00:31 GMT

Pain indeed. I am still feeling dejected.

In fairness to them, I only use my cash+ for utilities (my 5% category) and I max it out every quarter. So, I'm certainly an unprofitable customer for them. Perhaps that had somerthing to do with it. And, at my current pace of travel to the UK, where contactless is ubiquituous, I was going milk the 4.5% mobile payments teet dry...

Re: Two Rebound Approvals

CreditMagic7 — Wed, 12 Jun 2019 21:19:55 GMT

@Caardvark wrote:
I have a big purchase this month (new hardwood floors) and figured I would get a few SUBS for it. After gardening for 8 months I applied for the US Bank Altitude Reserve but was denied (denied again on recon). So... Having already exited the garden with two HPs (and still planning on getting my floors) I went for the next two cards on my short list and both were approved. Worth noting: US Bank pulled EQ for the app and EX for the recon which I was not expecting. They are usually a TU puller (my best score)

NFCU Flagship Rewards $20K SL (50000 points SUB)
Capital One Savor $20K SL ($300 SUB)

On a side note, this is my first NFCU credit product of any kind. And, because there have been more than a few posts from people being denied the Flagship as their first card, I was a little nervous. But, it worked out.

That's a wonderful consolation returning excellent results for you after a flat out DUD courtesy that nasty EQ. FWIW to anyone else, i always have lousy returns thanks to EQ as well. I try to steer well clear of EQ pullers because it's notoriously my worse score.

Big Congrats! to the very nice pair of approvals in spite of the curve ball experienced at first.

Re: Two Rebound Approvals

pinkandgrey — Wed, 12 Jun 2019 23:00:10 GMT

Yikes HUGE approvals! Congrats! The bank that rejected you is gonna want you back.

Re: Two Rebound Approvals

tbque — Wed, 12 Jun 2019 23:48:06 GMT

Congrats on the two approvals and sweet SL and Subs!

Re: Two Rebound Approvals

Anonymous — Thu, 13 Jun 2019 01:24:44 GMT

Congrats on both approvals!

Re: Two Rebound Approvals

Anonymous — Thu, 13 Jun 2019 01:26:20 GMT

Very nice approvals and SLs, congrats! 😊