topic Re: First app spree in years....Success!! in Credit Card Approvals

First app spree in years....Success!!

Stanic413 — Mon, 10 Mar 2014 20:59:18 GMT

After much hesitation, I decided to do an app spree today. Results below:

Barclay Arrival World MasterCard: Declined. Boo. Called for recon and a nice gentleman said to apply when card balances were lower. Not too surprised about that one.

AMEX BCE: Instant approval!! $2k limit, will do 3X CLI request, day 61

Citi Diamond Preferred: Declined, called for recon. Learned was declined for too many inquiries. Requested supervisor and told them I only bought a car in the last 6 months, she researched, confirmed the inquiries were all for car loans. Approved, $5k. My biggest limit yet!

Not entirely what I wanted or thought would happen but happy nonetheless, esp with AMEX instant approval!! Didn't plan on doing Citi, not a huge fan, but got an invite by mail and thought, why not. Now I'm glad I did!

Re: First app spree in years....Success!!

Jitdc2 — Mon, 10 Mar 2014 21:01:37 GMT

Congrats on the approvals!

Re: First app spree in years....Success!!

BearsAndTurtlesRtheBest — Mon, 10 Mar 2014 21:08:56 GMT

great results! Barclay will come thru when balances lower no worries becuase your in with AMEX.

Re: First app spree in years....Success!!

alvon123 — Mon, 10 Mar 2014 21:12:02 GMT

congrats!!!

Re: First app spree in years....Success!!

yudeology101 — Mon, 10 Mar 2014 21:23:04 GMT

WTG Congrats on your approvals!!

Re: First app spree in years....Success!!

-Wade- — Mon, 10 Mar 2014 21:43:26 GMT

@Stanic413 wrote:
After much hesitation, I decided to do an app spree today. Results below:

Barclay Arrival World MasterCard: Declined. Boo. Called for recon and a nice gentleman said to apply when card balances were lower. Not too surprised about that one.

AMEX BCE: Instant approval!! $2k limit, will do 3X CLI request, day 61

Citi Diamond Preferred: Declined, called for recon. Learned was declined for too many inquiries. Requested supervisor and told them I only bought a car in the last 6 months, she researched, confirmed the inquiries were all for car loans. Approved, $5k. My biggest limit yet!

Not entirely what I wanted or thought would happen but happy nonetheless, esp with AMEX instant approval!! Didn't plan on doing Citi, not a huge fan, but got an invite by mail and thought, why not. Now I'm glad I did!

Congrats on your approvals

Re: First app spree in years....Success!!

SunriseEarth — Mon, 10 Mar 2014 22:13:14 GMT

Congrats!

Credit is a strange thing. I got instant approval on Amex, but had to recon Cap One! Oh well.

Re: First app spree in years....Success!!

gdale6 — Mon, 10 Mar 2014 22:16:40 GMT

Grats on your new cards, enjoy

Re: First app spree in years....Success!!

coldnmn — Mon, 10 Mar 2014 22:30:29 GMT

Congrats on approvals! Thanks for sharing.

Re: First app spree in years....Success!!

Stanic413 — Mon, 10 Mar 2014 22:36:11 GMT

@BearsAndTurtlesRtheBest wrote:
great results! Barclay will come thru when balances lower no worries becuase your in with AMEX.

YEESSSSS!!! Soooo excited to join AMEX family! Can't wait to get the card. Barclay decline can't rain on my parade today!

Re: First app spree in years....Success!!

Stanic413 — Mon, 10 Mar 2014 22:38:47 GMT

@SunriseEarth wrote:
Congrats!

Credit is a strange thing. I got instant approval on Amex, but had to recon Cap One! Oh well.

That's crazy, guess you never know for sure what can happen. Almost didn't recon Citi because I saw posts about how difficult it can be.

Re: First app spree in years....Success!!

Involver — Mon, 10 Mar 2014 22:49:28 GMT

Nice cards, good persistence. Congrats!

Re: First app spree in years....Success!!

SunriseEarth — Mon, 10 Mar 2014 22:54:10 GMT

@Stanic413 wrote:
@SunriseEarth wrote:
Congrats!

Credit is a strange thing. I got instant approval on Amex, but had to recon Cap One! Oh well.
That's crazy, guess you never know for sure what can happen. Almost didn't recon Citi because I saw posts about how difficult it can be.

It's a good thing you did, and glad a manual review pointed out the nature of all the INQ for you! Good work!

Re: First app spree in years....Success!!

Stanic413 — Wed, 02 Apr 2014 16:35:42 GMT

UPDATE: Success w/ Barclay. Got an increase in score due to lower utlization so I called back Monday to reapply. After several calls, the gentleman asked me if I had checked my reports. I told him I had checked one and that I believed they only look at TU but I was willing to take the chance. He asked which one I had checked stating he could pull from any of the 3. Not sure which he pulled (yet), but got approved, $5k. My app spree is complete, now to the garden!