topic Re: 2nd Sallie Mae in Credit Card Applications

2nd Sallie Mae

MoreRewards — Thu, 06 Nov 2014 18:10:22 GMT

How easy is this to get? I've seen some people that have two. I've also looked at the upromise card but not sure on that one.

Re: 2nd Sallie Mae

Dw4250 — Thu, 06 Nov 2014 20:38:32 GMT

@MoreRewards wrote:
How easy is this to get? I've seen some people that have two. I've also looked at theupromise card but not sure on that one.

Not impossible, but rare. I know "themanwhocan" has two of them (he is a regular on here). I tried (and failed) earlier this summer. I will try again when I leave the garden sometime in 2015...

As you know SM has one of the better reward structures around (albeit capped at 250/250/750), so they may balk at giving out more than one per customer. I would say if you have the scores and a TU HP to spare, go for it!

Re: 2nd Sallie Mae

Anonymous — Fri, 07 Nov 2014 00:31:06 GMT

@Dw4250 wrote:
@MoreRewards wrote:
How easy is this to get? I've seen some people that have two. I've also looked at theupromise card but not sure on that one.
Not impossible, but rare. I know "themanwhocan" has two of them (he is a regular on here). I tried (and failed) earlier this summer. I will try again when I leave the garden sometime in 2015...

As you know SM has one of the better reward structures around (albeit capped at 250/250/750), so they may balk at giving out more than one per customer. I would say if you have the scores and a TU HP to spare, go for it!

I think the key is you have to get instant approval (presumably they are not checking automatically to see if you have that card). On manual review, they might catch it and reject that app. So scores as good as possible, util low etc.!

Re: 2nd Sallie Mae

Involver — Fri, 07 Nov 2014 02:36:59 GMT

Strongly considering trying this as well. I did just get a CLI on my first though.

Re: 2nd Sallie Mae

Imperfectfuture — Fri, 07 Nov 2014 02:41:01 GMT

I thought themanwhocan upgraded a rewards card? Could be mistaken though.

Re: 2nd Sallie Mae

CreditMagic7 — Fri, 07 Nov 2014 02:44:55 GMT

Just shot down for the 2nd time still trying for a first Sallie Mae last week. Maybe 3rd time is the charm. I'm virtually reorganizing all of my other accounts into a certain particular order and paying off any remaining balances while rolling a <30% on THEIR rewards card in an effort to make it 3rd times a charm in 4 months. (i want them to think to themselves, clearly improved

Re: 2nd Sallie Mae

Anonymous — Fri, 07 Nov 2014 02:48:55 GMT

@Imperfectfuture wrote:
I thought themanwhocan upgraded a rewards card? Could be mistaken though.

I think that was the route to the two cash plus.

Re: 2nd Sallie Mae

Anonymous — Fri, 07 Nov 2014 02:57:25 GMT

@CreditMagic7 wrote:
Just shot down for the 2nd time still trying for a first Sallie Mae last week. Maybe 3rd time is the charm. I'm virtually reorganizing all of my other accounts into a certain particular order and paying off any remaining balances while rolling a <30% on THEIR rewards card in an effort to make it 3rd times a charm in 4 months. (i want them to think to themselves, clearly improved

You really should just recon it.

Re: 2nd Sallie Mae

Themanwhocan — Fri, 07 Nov 2014 02:57:38 GMT

@Anonymous wrote:
@Imperfectfuture wrote:
I thought themanwhocan upgraded a rewards card? Could be mistaken though.
I think that was the route to the two cash plus.

Cash+ were both conversions from other cards. Both Sallie Mae cards were directly applied for.

Re: 2nd Sallie Mae

weehoo — Fri, 07 Nov 2014 05:14:31 GMT

I was instantly approved for both SMs, the second one was even a higher CL.

Re: 2nd Sallie Mae

chalupaman — Fri, 07 Nov 2014 05:15:54 GMT

I would definitely want to try this card again in the future once I've established more history with Barclays. I heard they like six months between apps or something.

Re: 2nd Sallie Mae

CreditMagic7 — Fri, 07 Nov 2014 05:21:18 GMT

I was instantly approved for 5K Rewards MC only 4 months from Sallie Mae first denial. This 2nd Sallie Mae app i am at 3 months with Rewards MC with Denial number 2. I don't go away easy when challenged and Barclay's is pushed back this time but in another 4 months will app for the 3rd time, as they say is the charm. We'll see.

Re: 2nd Sallie Mae

Anonymous — Fri, 07 Nov 2014 05:23:39 GMT

@CreditMagic7 wrote:
I was instantly approved for 5K Rewards MC only 4 months from Sallie Mae first denial. This 2nd Sallie Mae app i am at 3 months with Rewards MC with Denial number 2. I don't go away easy when challenged and Barclay's is pushed back this time but in another 4 months will app for the 3rd time, as they say is the charm. We'll see.

I wouldn't waste another HP.

Recon it till you're blue in the face.

Then go in once more.

Re: 2nd Sallie Mae

CreditMagic7 — Fri, 07 Nov 2014 05:32:36 GMT

@Anonymous wrote:
@CreditMagic7 wrote:
I was instantly approved for 5K Rewards MC only 4 months from Sallie Mae first denial. This 2nd Sallie Mae app i am at 3 months with Rewards MC with Denial number 2. I don't go away easy when challenged and Barclay's is pushed back this time but in another 4 months will app for the 3rd time, as they say is the charm. We'll see.
I wouldn't waste another HP.

Recon it till you're blue in the face.
Then go in once more.

The way i see it i have 2 more Recons for it left on the table before they completely dismiss it. I'm going for a girl recon this time. They seem more receptive IMHO. I want that final card for the year so i don't start apping again in 2015. It;s my fullest intention to go the full 12 months all the way up to 2016 without a single app if at all possible, and AFAIK that hinges completely upon the final outcome of Barclay's recon decision at this point for better or worse PERIOD.

Re: 2nd Sallie Mae

Anonymous — Fri, 07 Nov 2014 05:29:43 GMT

@CreditMagic7 wrote:
@Anonymous wrote:
@CreditMagic7 wrote:
I was instantly approved for 5K Rewards MC only 4 months from Sallie Mae first denial. This 2nd Sallie Mae app i am at 3 months with Rewards MC with Denial number 2. I don't go away easy when challenged and Barclay's is pushed back this time but in another 4 months will app for the 3rd time, as they say is the charm. We'll see.
I wouldn't waste another HP.

Recon it till you're blue in the face.
Then go in once more.
The way i see it i have 2 more Recons for it left on the table before they completely dismiss it. I'm going for a girl recon this time. They seem more receptive IMHO.

Call blocked number.

If you get the Foreign sounding one, Hang up. If you get a Midwestern sounding one, Proceed.

HUCA may not work well with them since they take notes, but If you already burnt two HP's on them I'd be ringing their phones off the hook.

Re: 2nd Sallie Mae

MoreRewards — Fri, 07 Nov 2014 05:46:41 GMT

After reading this i really want to app. This is probably my most used card. I started with $2500 limit and they did up it to $4350 maybe that's a good sign.

Re: 2nd Sallie Mae

MoreRewards — Fri, 07 Nov 2014 07:07:47 GMT

Would having a better profile or something get me a higher starting limit? I also want the WMC version. That's what it showed when I was app'ing but if you don't get that you get regular MC which is what happened last time.

Last year I had 758 TU score, 5 INQ, I think my balances were like 1300/4800, 66/500, 870/3500, 200/1000

All my inquiries are over a year old and I want to wait to app so they'd age more. My score is 775. I don't have balances on bunch of cards anymore. I'm trying to stay in the garden it's been 6 months last time I lasted 7.

Re: 2nd Sallie Mae

Anonymous — Fri, 07 Nov 2014 14:52:11 GMT

Not necessarily true about Barclays liking 6 months between apps. Of course, YMMV, but I got my first Barclays (Sallie Mae) 3 months ago, and I just got approved for their US Airways (granted, I was targeted for a better signup version of this, so perhaps my chances were a bit higher to begin with).

Re: 2nd Sallie Mae

Anonymous — Fri, 07 Nov 2014 18:19:41 GMT

@MoreRewards wrote:
Would having a better profile or something get me a higher starting limit? I also want the WMC version. That's what it showed when I was app'ing but if you don't get that you get regular MC which is what happened last time.

Last year I had 758 TU score, 5 INQ, I think my balances were like 1300/4800, 66/500, 870/3500, 200/1000
All my inquiries are over a year old and I want to wait to app so they'd age more. My score is 775. I don't have balances on bunch of cards anymore. I'm trying to stay in the garden it's been 6 months last time I lasted 7.

Maybe it was a fluke but I was offered the WMC with a $1,500 limit.

When I called to recon it, I was told there was already a pre-approved CLI waiting for me. $2,000 SL!

So.....Maybe it has something to do with all the recent barclay cards being upgraded in status.. Maybe?

@Anonymous wrote:
Not necessarily true about Barclays liking 6 months between apps. Of course, YMMV, but I got my first Barclays (Sallie Mae) 3 months ago, and I just got approved for their US Airways (granted, I was targeted for a better signup version of this, so perhaps my chances were a bit higher to begin with).

Wife got instapproved for the US Airways WMC with 5 months history on her Rewards MC that still has a paltry limit of $1,500.

Re: 2nd Sallie Mae

MoreRewards — Fri, 07 Nov 2014 23:13:44 GMT

Well that doesn't seem fair at all!
I wonder what happens if I app for 2nd Sallie Mae & Upromise at the same time.