topic Re: Choice Privileges Select approval DP in Credit Card Approvals

Choice Privileges Select approval DP

okurosetta — Thu, 20 Apr 2023 13:31:29 GMT

Instantly approved for the new Choice Privileges Select through Wells Fargo:

$14k starting limit
24.74% APR (middle of available: 20.49%, 24.74%, or 29.74%)
Pulled EX (live in NY): most recent EX FICO® 8: 775 | EX FICO® 9: 767
Accounts: 4/6, 8/12, 12/24 (without AU 3/6, 7/12, 11/24)
Inquiries: 1/6, 4/12, 8/24
Income: $80k
Utilization: 7%
AAoA: 4.25 years
AoOA: 17.58 years
Wells Fargo relationship: Had a mortgage through them from late 2017 through late 2021, plus have had their Propel from late 2019
Choice relationship: Basically non-existent, have an account with one reservation, but no past stays

Jumped on this one as I’ll have my Hilton Aspire reporting soon and Wells Fargo pulled EX for my Propel application years ago (as with others, Curve has only reported to EQ so far), so even though my velocity is high, if I waited and they pulled EQ it’d be +2 across the board. Gameplan is still to go for a new house next summer, so this is likely the last for a bit.

For me this is a strong card because we are eyeing a specific property for 3 nights that is 30k Choice Points per night, so the 90k SUB would take care of that. Can’t book it until closer to the travel dates anyways, so fingers crossed it will still be available, though we have a paid booking just in case.

Also a strong card as a keeper - we’re staying in a Choice hotel next month that is 16k points or $140, so getting 30k points on the card anniversary for a $95 annual fee sure works for us (fee is waived for first year, too). P2 and I travel a lot - 43 nights in 2022, looking to top that in 2023 - and consider every option available for every trip, so hotel cards continue to be very strong for us. Besides trips involving Choice properties, I’ll pretty much only use it at home improvement stores after hitting the SUB, but since it’s a Mastercard and I have Curve, it’ll stay active while sitting in the pile of cards.

I’ll certainly take $14k as a starting limit, it just surprised me based on my Propel’s $1.5k starting limit, which took three CLIs to get to $3k. Totally different circumstances: co-branded vs core, plus my scores are much higher now with my delinquencies having dropped off a few months ago, but still - I was hoping for an approval with pretty much any starting limit, will definitely take $14k.

Last but not least, here’s an image of the card - a little small, but what I’ve found so far:

https://i.imgur.com/tNwl3Zf.png

Re: Choice Privileges Select approval DP

Creditwiser — Thu, 20 Apr 2023 13:25:04 GMT

Congrats on you WF approval !

Re: Choice Privileges Select approval DP

CreditAggie — Thu, 20 Apr 2023 16:22:56 GMT

Congratula on your Choice Privileges Select approval!

Re: Choice Privileges Select approval DP

MartyWrite75 — Thu, 20 Apr 2023 16:45:43 GMT

Congratulations on your approval! Awesome!

Re: Choice Privileges Select approval DP

M_Smart007 — Thu, 20 Apr 2023 16:58:07 GMT

Congratulations on your Approval 🎉

Re: Choice Privileges Select approval DP

Rdbeetle — Thu, 20 Apr 2023 19:15:39 GMT

Congrats on your WF approval!!!

Re: Choice Privileges Select approval DP

CreditMagic7 — Thu, 20 Apr 2023 20:25:35 GMT

Congratulations on your New Choice Privileges Select CC approval!

Re: Choice Privileges Select approval DP

cashorcharge — Thu, 20 Apr 2023 20:33:56 GMT

WooHoo!! Congratulations on your Wells Fargo Approval!!👏🏼🍾🥂

Re: Choice Privileges Select approval DP

NoMoreDebt — Fri, 21 Apr 2023 00:29:35 GMT

congrats on the approval

Re: Choice Privileges Select approval DP

nytokyobred79 — Fri, 21 Apr 2023 01:54:55 GMT

Congrats on your Choice approval and thanks for the dp's.

Re: Choice Privileges Select approval DP

fury1995 — Fri, 21 Apr 2023 02:09:34 GMT

Congrats! Looks like your turning the garden and planting better crops!

Re: Choice Privileges Select approval DP

JoeRockhead — Fri, 21 Apr 2023 12:14:15 GMT

Very nice SL, congratulations on your approval!

Re: Choice Privileges Select approval DP

alextercero — Fri, 21 Apr 2023 13:14:15 GMT

Congrats on your Approval!

Re: Choice Privileges Select approval DP

AlanGJP — Thu, 27 Apr 2023 18:35:52 GMT

Thanks @okurosetta ! Went ahead and pulled the trigger on this card too. Low $4K SL, but I'll recon after I get the card. (Did that previously with BILT and it worked. WF likes starting me low)

Looks like a good card, congrats!

EDIT: Here's a larger version of the card

Re: Choice Privileges Select approval DP

Jeffster1 — Thu, 27 Apr 2023 19:41:09 GMT

Congrats on the approval.

While a fan of hotel reward cards, I'm going to pass since the only Choice hotels I stay at frequently are the Park Plaza hotels in London, and my company pays for those stays.

Looks like a great card!