topic Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc in Credit Card Approvals

Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Anonymous — Fri, 04 Sep 2020 20:19:08 GMT

Been out of the forums for quite a few months as we packed up and moved into a new house. So I'm just kind of filling in the gap with some recent-ish data points.

6/18/2020 - DISCOVER APPROVAL $2000

Had a Disco last year which I put mine + DH's income on app. They closed it after an AR. So, I got a preapproval, apped with my own income. Small limit, but they haven't AR'd me yet. EXP score was 698 at the time with 15 inq.

07/01/2020 - HOME DEPOT APPROVAL $500 -> $3,000

Called the backdoor number, said I needed to get new appliances and asked for $3K. They gave it to me.

JULY 2020 - CLI Requests approved

Overstock ($800 bump to $5600)
Wayfair ($800 bump to $6400...right before the announcement)
Boscov's ($800 bump to $4050)

NFCU Amex $2500 bump to $7500 (Started as secured, have 3 cards with them, total CL $30K)

08/06/2020 - MACY'S APPROVAL $500 -> $3,000

Called the backdoor number, pushed the button for "you received a letter" since the other options take you to regular CS. Had to call 2x since first rep said only store personnel can request a review. 2nd time was the charm, told them about planned furniture purchase and they gave me what I asked for - $3,000

08/15/2020 - AT HOME APPROVAL $2300

Went on a shopping spree for the new house. Discovered this amazing store. Expected to be declined since SYNCH loves to hit me with low limits. Saved $200 with their new cardholder coupon, def worth the pull. Pulled TU - 664 FICO8, 15 INQs

09/03/2020 - RAKUTEN VISA SIGNATURE APPROVAL - ????

Saw some DP's with similar stats as mine. Apped, instant approval. Approval page said "Visa Signature" with $1K temp limit (printed it) , but the email link to do an account lookup says "Visa Platinum". Will be interesting to see how this pans out. Pulled EXP, 682 w/ 26 INQ

09/04/2020 - Overstock CLI Approved

Been 2 mos since I asked for my last one and I put about $1200 spend outfitting this new house. Instant $1500 CLI approval.

As it stands here are my FICO8 deets:

BK7 discharged Nov 2016

EX: 681, 26 INQ

TU: 664, 16INQ

EQ: 664, 14INQ

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

AllZero — Fri, 04 Sep 2020 20:21:51 GMT

Congratulations on your approvals and CLIs!

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

gdale6 — Fri, 04 Sep 2020 20:51:47 GMT

Congrats to all your success and thanks for posting it all

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

M_Smart007 — Fri, 04 Sep 2020 21:57:57 GMT

Congratulations!!!

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Peanut4211982 — Fri, 04 Sep 2020 22:17:15 GMT

Awesome congrats!!

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

CreditAggie — Fri, 04 Sep 2020 22:55:42 GMT

Congratulations on your approvals and CLIs!

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Anonymous — Fri, 04 Sep 2020 23:14:31 GMT

Congrats on all your success!!!!

August 2020 I was also approved for Rakuten Visa Sig, But When I got It was Visa Platinum. 2500.00 SL called when i got the card and got cli to 4000.00. What can you do, lol

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Anonymous — Fri, 04 Sep 2020 23:21:05 GMT

Ha! Figures I couldn't get that lucky!

What number did you call to get the CLI? Overseas or regular CS?

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Anonymous — Fri, 04 Sep 2020 23:34:53 GMT

I do have a? for dp sake. Since you had so many inq as i do , did you take a hit.

All the cards i was approved for last month did not cost me any points.I have way to many inq and do not advise anyone to have that many for a good credit health. JW

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Anonymous — Fri, 04 Sep 2020 23:42:52 GMT

I always call the overseas number because they do a fresh softpull. This helps f your score is improved. And you are lucky ,at least you didnt get denied, and who knows you may get the sig

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Anonymous — Sat, 05 Sep 2020 00:01:02 GMT

@Anonymous wrote:
I do have a? for dp sake. Since you had so many inq as i do , did you take a hit.
All the cards i was approved for last month did not cost me any points.I have way to many inq and do not advise anyone to have that many for a good credit health. JW

Nah, no hit. The biggest hit I had was about a 10pt drop due to increased UTIL and my mortgage reporting. I've noticed after about 15 INQ you don't really get dinged for additional ones cuz they know you're crazy lol

I have found, however, that having a very thick file (50+ accounts) really helps to balance out the INQ situation. Especially if the majority of accounts are 3+ months old and UTIL is low. I think I'm running about 12% UTIL right now which is high even though I use my cards regularly.

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Anonymous — Sat, 05 Sep 2020 00:38:32 GMT

Congrats!!

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

mrcraft — Sat, 05 Sep 2020 01:41:59 GMT

Congratulations on your approvals and CLIs!!

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Anonymous — Wed, 09 Sep 2020 22:16:19 GMT

right

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

cashorcharge — Wed, 09 Sep 2020 22:58:26 GMT

Congratulations!!