topic Re: 2 Approvals and 1 Denial in Credit Card Approvals

2 Approvals and 1 Denial

8Hunnid — Wed, 13 Jan 2021 23:51:00 GMT

Stats - Signature is close enough. 0/12 for credit cards. 1 car loan 6 months ago

Summary - Approved for Costco Visa and Elan Max Cash through Wesbanco. Denied Andrew's FCU due to too many inquiries. All same day, in that order

On Monday Jan 4 I was in Costco just to join. I was persuaded (quite easily) into applying for their Visa. I did the Gold Star membership for an extra 2%. So 5% on their travel portal (won't get used for now), 4% on in-store and auto repairs. The T&C exclude gas, so sad.
But I digressed. They pulled Experian where I have a 746 and 5 inquiries. Instant approval for $7,700 at 15.24%. This is my first card from Citi. There's a $60 gift card SUB as well

I applied for the Max Cash card through Wesbanco bank. I had no prior relationship. They pulled Transunion where I have a 743. Instant approval. $10,000 limit and 17.49% apr. There's a $150 SUB for $500 spend. Easy money.
I will open a savings account so that I can get the cash back instead of a statement credit.

Furniture will max out this quarter, and recreation will max out next quarter.

Andrews FCU DPs will be in the "Application" board

Re: 2 Approvals and 1 Denial

Credit4Growth — Wed, 13 Jan 2021 23:54:04 GMT

Congratulations on the cosco and Ellen Max cash approvals!

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Re: 2 Approvals and 1 Denial

ultimaterewardsguy357 — Thu, 14 Jan 2021 00:10:40 GMT

Congratulations on both of your approvals!

Re: 2 Approvals and 1 Denial

Yeliaba1 — Thu, 14 Jan 2021 00:34:30 GMT

Congratulations on your approvals!

Re: 2 Approvals and 1 Denial

AllZero — Thu, 14 Jan 2021 01:10:14 GMT

Congratulations on your approvals!

Re: 2 Approvals and 1 Denial

kidink1911 — Thu, 14 Jan 2021 01:20:19 GMT

Congratulations on your double approval!

Re: 2 Approvals and 1 Denial

Meanmchine — Thu, 14 Jan 2021 01:46:14 GMT

Double congrats !!

There is always one that gets away

Re: 2 Approvals and 1 Denial

M_Smart007 — Thu, 14 Jan 2021 03:21:53 GMT

Congratulations!

Re: 2 Approvals and 1 Denial

JoeLuvsHisCredit — Thu, 14 Jan 2021 03:23:59 GMT

Congratulations

Re: 2 Approvals and 1 Denial

Iusedtolurk — Thu, 14 Jan 2021 07:54:57 GMT

@8Hunnid wrote:
Stats - Signature is close enough. 0/12 for credit cards. 1 car loan 6 months ago
Summary - Approved for Costco Visa and Elan Max Cash through Wesbanco. Denied Andrew's FCU due to too many inquiries. All same day, in that order
On Monday Jan 4 I was in Costco just to join. I was persuaded (quite easily) into applying for their Visa. I did the Gold Star membership for an extra 2%. So 5% on their travel portal (won't get used for now), 4% on in-store and auto repairs. The T&C exclude gas, so sad.
But I digressed. They pulled Experian where I have a 746 and 5 inquiries. Instant approval for $7,700 at 15.24%. This is my first card from Citi. There's a $60 gift card SUB as well
I applied for the Max Cash card through Wesbanco bank. I had no prior relationship. They pulled Transunion where I have a 743. Instant approval. $10,000 limit and 17.49% apr. There's a $150 SUB for $500 spend. Easy money.
I will open a savings account so that I can get the cash back instead of a statement credit.
Furniture will max out this quarter, and recreation will max out next quarter.
Andrews FCU DPs will be in the "Application" board

Congrats! 2 out of 3 is never a bad thing especially with those starting limits.

Re: 2 Approvals and 1 Denial

UH_HUH — Thu, 14 Jan 2021 08:44:16 GMT

Congratulations on your success!!!

Thanks for sharingf your story,

enjoyes reading it :-)

Cheers

Re: 2 Approvals and 1 Denial

BAD_UP — Thu, 14 Jan 2021 16:38:59 GMT

Congrats on your Approvals🎉🎉🎉

Re: 2 Approvals and 1 Denial

gdale6 — Thu, 14 Jan 2021 19:28:37 GMT

Grats on your successful apps

Re: 2 Approvals and 1 Denial

gingerflower — Thu, 14 Jan 2021 19:37:58 GMT

Congratulations on your Success! 👍

Re: 2 Approvals and 1 Denial

cashorcharge — Thu, 14 Jan 2021 20:06:14 GMT

That's terrific!!! Congratulations on your approvals!!

Re: 2 Approvals and 1 Denial

Anonymous — Fri, 15 Jan 2021 02:28:53 GMT

Great work!!

Re: 2 Approvals and 1 Denial

SweetCreditObsession — Fri, 15 Jan 2021 02:39:14 GMT

Congratulations!

Re: 2 Approvals and 1 Denial

CreditAggie — Fri, 15 Jan 2021 04:12:05 GMT

Congratulations on your approvals!

Re: 2 Approvals and 1 Denial

Getty59 — Fri, 15 Jan 2021 18:01:53 GMT

Very nice 2 approvals!