topic Re: Round 2: FIGHT. in Credit Card Approvals

Round 2: FIGHT.

northway — Wed, 12 Jul 2023 14:10:56 GMT

So I finally got my TU report cleaned up the way I wanted it and threw out about a dozen applications between new cards and CLIs. There was a remaining negative item that won't be removed until next year but it's reporting a 730 FICO 8 right now, so I figured I'd give it a shot. Got plenty of "no we won't approve you, you're insane with that many inquiries at once.". Well, I prefer them all to drop off and age at once, so that's my preference. But some others didn't mind.

Approved:

BECU Cashback Visa Signature - $20K

BECU Low Rate Visa - $20K

Huntington Cashback WEMC - $13.9K

Huntington Voice MC - $13.9K

5/3 1.67% Cashback WEMC -$4K

Pending:

UBS Visa Infinite

I really do need to clean up some card duplicates and merge TLs if possible at this point just for simplicity's sake and close out some of the stragglers like Sync's Premier MC which they're super stingy with for some reason. Also even though it pains me to lose $60K in available TLs, HVCU and ICCU's rewards programs only turned out to earn about 1.15-1.25% cash because of their sh***y redemption rates for cashback in the point portal even though they advertise "2x points on everything". Petal is on the chopping block as well as possibly my Global FCU card since there's no way to earn CB except via PayPal redemption and only at 1x or less from what I can tell. I refuse to accept less than 1.5% CB which is the industry standard now.

Round 3 will be EQ after I'm done suing them into the ground for destroying my credit report via a split file and refusing to update either accurately.

Re: Round 2: FIGHT.

BigBS — Wed, 12 Jul 2023 14:22:42 GMT

Congrats on your hard work and approvals!

Re: Round 2: FIGHT.

coreyb80 — Wed, 12 Jul 2023 15:36:10 GMT

Congrats on the nice approvals!

Re: Round 2: FIGHT.

CreditAggie — Wed, 12 Jul 2023 17:48:34 GMT

Congratulations on your approvals!

Re: Round 2: FIGHT.

CreditMagic7 — Wed, 12 Jul 2023 17:58:52 GMT

Congratulations on the new card approvals!

Re: Round 2: FIGHT.

M_Smart007 — Wed, 12 Jul 2023 18:01:34 GMT

Congratulations 🎉

Re: Round 2: FIGHT.

cashorcharge — Wed, 12 Jul 2023 20:32:18 GMT

WooHoo!! Congratulations on your Approvals!!👏🏼🍾🥂

Re: Round 2: FIGHT.

FireMedic1 — Wed, 12 Jul 2023 23:19:43 GMT

Thats a lot. Congrats!

Re: Round 2: FIGHT.

Janneman — Sun, 23 Jul 2023 00:45:41 GMT

@northway wrote:
So I finally got my TU report cleaned up the way I wanted it and threw out about a dozen applications between new cards and CLIs. There was a remaining negative item that won't be removed until next year but it's reporting a 730 FICO 8 right now, so I figured I'd give it a shot. Got plenty of "no we won't approve you, you're insane with that many inquiries at once.". Well, I prefer them all to drop off and age at once, so that's my preference. But some others didn't mind.

Approved:

BECU Cashback Visa Signature - $20K
BECU Low Rate Visa - $20K
Huntington Cashback WEMC - $13.9K
Huntington Voice MC - $13.9K
5/3 1.67% Cashback WEMC -$4K

Pending:

UBS Visa Infinite

I really do need to clean up some card duplicates and merge TLs if possible at this point just for simplicity's sake and close out some of the stragglers like Sync's Premier MC which they're super stingy with for some reason. Also even though it pains me to lose $60K in available TLs, HVCU and ICCU's rewards programs only turned out to earn about 1.15-1.25% cash because of their sh***y redemption rates for cashback in the point portal even though they advertise "2x points on everything". Petal is on the chopping block as well as possibly my Global FCU card since there's no way to earn CB except via PayPal redemption and only at 1x or less from what I can tell. I refuse to accept less than 1.5% CB which is the industry standard now.

Round 3 will be EQ after I'm done suing them into the ground for destroying my credit report via a split file and refusing to update either accurately.

Congrat....Round 2 turned out to be wonderful for ya....Can't wait for the round 3, though...

Wondering how you were able to clean your TU...Also, you got 2 cards from BECU at the same time and without receiving any pre-approved offer? I assume with one HP, right? Any idea when round 3 is coming out??

Re: Round 2: FIGHT.

Traveler101 — Wed, 12 Jul 2023 23:44:42 GMT

Some nice wins..congratulations 👌

Re: Round 2: FIGHT.

northway — Wed, 12 Jul 2023 23:59:28 GMT

@Janneman wrote:
@northway wrote:
So I finally got my TU report cleaned up the way I wanted it and threw out about a dozen applications between new cards and CLIs. There was a remaining negative item that won't be removed until next year but it's reporting a 730 FICO 8 right now, so I figured I'd give it a shot. Got plenty of "no we won't approve you, you're insane with that many inquiries at once.". Well, I prefer them all to drop off and age at once, so that's my preference. But some others didn't mind.

Approved:

BECU Cashback Visa Signature - $20K
BECU Low Rate Visa - $20K
Huntington Cashback WEMC - $13.9K
Huntington Voice MC - $13.9K
5/3 1.67% Cashback WEMC -$4K

Pending:

UBS Visa Infinite

I really do need to clean up some card duplicates and merge TLs if possible at this point just for simplicity's sake and close out some of the stragglers like Sync's Premier MC which they're super stingy with for some reason. Also even though it pains me to lose $60K in available TLs, HVCU and ICCU's rewards programs only turned out to earn about 1.15-1.25% cash because of their sh***y redemption rates for cashback in the point portal even though they advertise "2x points on everything". Petal is on the chopping block as well as possibly my Global FCU card since there's no way to earn CB except via PayPal redemption and only at 1x or less from what I can tell. I refuse to accept less than 1.5% CB which is the industry standard now.

Round 3 will be EQ after I'm done suing them into the ground for destroying my credit report via a split file and refusing to update either accurately.
Congrat....Round 2 turned out to be wonderful....Can't wait for round 3, though...
Wondering how you were able to clean your TU...Also, you got 2 cards from BECU at the same time and without receiving any pre-approved offer? I assume with one HP, right? Any idea when round 3 is coming out??

NYS has a law that requires any paid/settled accounts to be removed after 5 years instead of 7 which cut down on the time things were sitting on my reports by 2 years. Innovis hasn't been compliant with the law after multiple requests, and I'm not entirely concerned about their reporting at all, but that's another lawsuit that I'm looking into. Experian has been by far the easiest to work with, while TransUnion reluctantly drags their heels and digs in on what they want to deal with, but are ultimately compliant.

Round 3 won't be for another 6 months or so while my lawsuit plays out, but I'll be getting a nice settlement out of it at least. I'm beyond tired of Equifax's bu**s**t and refusal to fix a split file that's been causing outright havoc with my Wells and Citi accounts including CLD and interest rate hikes as a result. I'm probably going to go for a PenFed Pathfinder and a Langley Signature Cashback when the time comes, and possibly a Venture X if I'm feeling up for the triple pull.

Between now and then I'm just going to let these new accounts age and let some old INQs drop. I've gone harder this year than I ever have before, but I just want to get this over with for the most part and be where I want to be and let things stew for a few years.

But yes, two $20K approvals with BECU as well as a $10K PLOC approval with one pull. Same with Huntington except the PLOC. I've been a BECU member for 6 years or so, but was always rejected due to the outstanding charge-off no matter how old and no matter the score, even for a secured card. Once everything was paid and removed I was golden. I have a small balance I want to transfer and pay it off over a year and then try and consolidate the low rate into the cashback after that's done for a single $40K card.

Income is nearly 6x what I was making before things went to hell years ago, so I'm in a much better standing now.

Re: Round 2: FIGHT.

Janneman — Thu, 13 Jul 2023 02:00:47 GMT

@northway

I am glad that you are finally able to nail BECU down after 6 yrs...Good going...And, its good to know about NYS laws on how long paid/settled accounts could stay on the report...I am also from a big apple...

Re: Round 2: FIGHT.

JoeRockhead — Thu, 13 Jul 2023 11:06:11 GMT

Very nice, congratulations on your approvals!

Re: Round 2: FIGHT.

Zoostation1 — Thu, 13 Jul 2023 23:52:54 GMT

Congrats on the approvals! I always find it interesting and mildly amusing when approvals above $2k don't end in a $1k or $500 increment (why $13.9k and not just make it an even $14k?).

Re: Round 2: FIGHT.

northway — Fri, 14 Jul 2023 01:34:14 GMT

@Zoostation1 wrote:
Congrats on the approvals! I always find it interesting and mildly amusing when approvals above $2k don't end in a $1k or $500 increment (why $13.9k and not just make it an even $14k?).

Totally agree. Never quite understood why some lenders do this.

Re: Round 2: FIGHT.

nytokyobred79 — Fri, 14 Jul 2023 10:30:29 GMT

Congrats on those approvals.

Re: Round 2: FIGHT.

NoMoreDebt — Sat, 15 Jul 2023 11:28:04 GMT

congrats on the approvals