topic Re: SHOPPING SPREE !!! in Credit Card Applications

SHOPPING SPREE !!!

Anonymous — Sat, 15 Nov 2014 13:44:03 GMT

pick 2 for me to apply and will report backmy results

CHASE sapphire Preferred,

CHASE Freedom,

US BANK CASH+

CITI Double Cash

Re: SHOPPING SPREE !!!

Anonymous — Sat, 15 Nov 2014 15:53:38 GMT

@Anonymous wrote:
pick 2 for me to apply and will report backmy results

CHASE sapphire Preferred,
CHASE Freedom,
US BANK CASH+
CITI Double Cash

Get all 4.

Re: SHOPPING SPREE !!!

uswala — Sat, 15 Nov 2014 16:00:27 GMT

I would pick Freedom and DC

Re: SHOPPING SPREE !!!

Anonymous — Sat, 15 Nov 2014 16:04:07 GMT

@uswala wrote:
I would pick Freedom and DC

uswala, did you call in to apply for US bank Cash + ? do you remember who they pulled on you ?

I applied FNBO last month and curious if they are sensitive with recent inquiries but i see you got Double Cash the month before applying US bank cash+.

Re: SHOPPING SPREE !!!

xtdefy — Sat, 15 Nov 2014 16:50:14 GMT

@Anonymous wrote:
@uswala wrote:
I would pick Freedom and DC
uswala, did you call in to apply for US bank Cash + ? do you remember who they pulled on you ?

I applied FNBO last month and curious if they are sensitive with recent inquiries but i see you got Double Cash the month before applying US bank cash+.

I just apped for Citi DC and they pulled EXP with 3 INQ in less than a month and 4 INQs over 6 months.... also with 4 new reported accts not even a month old..... instant 6k approval, recon'd to 10k

your signature already has Citi DC and Freedom, so did you already apply and get approved?

Re: SHOPPING SPREE !!!

Anonymous — Sat, 15 Nov 2014 17:01:15 GMT

@xtdefy wrote:
@Anonymous wrote:
@uswala wrote:
I would pick Freedom and DC
uswala, did you call in to apply for US bank Cash + ? do you remember who they pulled on you ?

I applied FNBO last month and curious if they are sensitive with recent inquiries but i see you got Double Cash the month before applying US bank cash+.
I just apped for Citi DC and they pulled EXP with 3 INQ in less than a month and 4 INQs over 6 months.... also with 4 new reported accts not even a month old..... instant 6k approval, recon'd to 10k

your signature already has Citi DC and Freedom, so did you already apply and get approved?

what was your score for citi double cash ? did you app US bank cash +, freedom and sapphire preferred the same time ? i cant recon because citi uses EQ for credit limit increase and thats my worst. Recon'd 15k. let them counter. i do 20k.

Of all the research i seen all around myfico and other forums....

less than 5k - increased to 10k

5k - increased to 15k

10k increased to - 20k.

pulls EQ for credit limit increases.

Re: SHOPPING SPREE !!!

xtdefy — Sat, 15 Nov 2014 17:13:13 GMT

@Anonymous wrote:
@xtdefy wrote:
@Anonymous wrote:
@uswala wrote:
I would pick Freedom and DC
uswala, did you call in to apply for US bank Cash + ? do you remember who they pulled on you ?

I applied FNBO last month and curious if they are sensitive with recent inquiries but i see you got Double Cash the month before applying US bank cash+.
I just apped for Citi DC and they pulled EXP with 3 INQ in less than a month and 4 INQs over 6 months.... also with 4 new reported accts not even a month old..... instant 6k approval, recon'd to 10k

your signature already has Citi DC and Freedom, so did you already apply and get approved?
what was your score for citi double cash ? did you app US bank cash +, freedom and sapphire preferred the same time ? i cant recon because citi uses EQ for credit limit increase and thats my worst. Recon'd 15k. let them counter. i do 20k.

Of all the research i seen all around myfico and other forums....

less than 5k - increased to 10k
5k - increased to 15k
10k increased to - 20k.

pulls EQ for credit limit increases.

I apped for Amex SPG and Citi DC at the same time. Both pulled EXP both said 701 FICO - Citi pulled EXP again for the recon

Re: SHOPPING SPREE !!!

Anonymous — Sat, 15 Nov 2014 17:32:28 GMT

@xtdefy wrote:
@Anonymous wrote:
@xtdefy wrote:
@Anonymous wrote:
@uswala wrote:
I would pick Freedom and DC
uswala, did you call in to apply for US bank Cash + ? do you remember who they pulled on you ?

I applied FNBO last month and curious if they are sensitive with recent inquiries but i see you got Double Cash the month before applying US bank cash+.
I just apped for Citi DC and they pulled EXP with 3 INQ in less than a month and 4 INQs over 6 months.... also with 4 new reported accts not even a month old..... instant 6k approval, recon'd to 10k

your signature already has Citi DC and Freedom, so did you already apply and get approved?
what was your score for citi double cash ? did you app US bank cash +, freedom and sapphire preferred the same time ? i cant recon because citi uses EQ for credit limit increase and thats my worst. Recon'd 15k. let them counter. i do 20k.

Of all the research i seen all around myfico and other forums....

less than 5k - increased to 10k
5k - increased to 15k
10k increased to - 20k.

pulls EQ for credit limit increases.

I apped for Amex SPG and Citi DC at the same time. Both pulled EXP both said 701 FICO - Citi pulled EXP again for the recon

when you recon you called or submit a credit limit increase online ? did you ask 10k or asked for more ?

Re: SHOPPING SPREE !!!

Anonymous — Wed, 19 Nov 2014 07:08:13 GMT

APPROVED

PERSONAL EXPERIENCE WITH CITI:

Called 3 times a day!!! (Citi 888-201-4523) no go ...(told me to wait) ... 24 hours later checked online after 10 times and saw the status.

------------------------------------------------------------------------------------------------------

PERSONAL EXPERIENCE WITH CHASE:

Got an email ....

Called Chase: 888-245-0625 (Credit Analyst - Recons)

asked for status and was asked if i was aware of another name and delinquency with Chase and said no. APPROVED. Expedited.

Few hours later...

profile upon submiting application:

CHASE Freedom pulled...

Experian: 743 (will update this once i recieve their actual scores) now 733 after 2 inquires.

Ulitzation: 12% (could have waited 2 weeks 6%) I just couldn't wait

AAoA: 1 year (probably 8 months now with 3 new accounts) ?

Inquires in the last 12 months: 1 (maybe 2 if they saw Citi)

APPROVED: $6,000 @ 18.99%

CITI Double Cash pulled...

Experian: 743 (will update this once i receieve their actual scores) now 733 after 2 inquires.

Ulitzation: 12% (could have waited 2 weeks 6%) I just couldn't wait

AAoA: 1 year (probably 8 months now with 3 new accounts) ?

Inquires in the last 12 months: 1 (maybe 2 if they saw Chase)

APPROVED: $3,700 @ 18.99% ? says prime rate 15.74% dont know what that means.

Thought?

I'm still itching for US Bank Cash+ wondering if they would only pull TransUnion: 748 ... although i have 0 inquires in the last 12 months there seem to be another system where they could still see your other inquiries ? so maybe i should wait 6 months or longer before applying this. Luckily, i was not double pulled for Freedom and Sapphire. That is why i applied for Sapphire just hours after Freedom registered. Figured 2 limits for 1 inquiry is well worth the ulitization. Although i was turned down for Sapphire, It does not hurt applying Sapphire hours after Freedom since they used the same scores from previous app. I would advised they may use the same report for 30 days.

Re: SHOPPING SPREE !!!

Anonymous — Wed, 19 Nov 2014 01:45:50 GMT

@Anonymous wrote:

APPROVED
APPROVED

PERSONAL EXPERIENCE:

Called 3 times a day!!! (Citi 888-201-4523) no go ...(told me to wait) ... 24 hours later checked online after 10 times and saw the status.
------------------------------------------------------------------------------------------------------

For Chase i app both Citi and Chase the same time. (2 seperate browsers) ....

Got an email ....

Called Chase: 888-245-0625 (Credit Analyst - Recons)

asked for status and was asked if i was aware of another name and delinquency with Chase and said no. APPROVED. Expedited.

Few hours later...

The next day I called Chase: 888-245-0625 (Credit Analyst - Recons)

asked for status and was no go (turned down) citing declinincy from before with Chase. I reckoned citing the person on the account isn't me. 20 minutes back and forth to several departments they decided to launch an investigation probe on my behalf and if in my favor will honor and approve my application. May take up to 90 days for notification on the status. Wary whether they just closed my Freedom i called the status line the next day and it was still active. Thank you all and hope this serves everyones purpose in completing your future applications. thank you

profile upon submiting application:

CHASE Freedom pulled...
Experian: 743 (will update this once i recieve their actual scores)
Equifax: 572 (Under investigation) ... don't know
Ulitzation: 12% (could have waited 2 weeks 6%) I just couldn't wait
AAoA: 1 year (probably 8 months now with 3 new accounts) ?
Inquires in the last 12 months: 1 (maybe 2 if they saw Citi)

@Anonymous: $6,000 @ 18.99%

CITI Double Cash pulled...
Experian: 743 (will update this once i receieve their actual scores)
Ulitzation: 12% (could have waited 2 weeks 6%) I just couldn't wait
AAoA: 1 year (probably 8 months now with 3 new accounts) ?
Inquires in the last 12 months: 1 (maybe 2 if they saw Chase)

@Anonymous: $3,700 @ 18.99% ? says prime rate 15.74% dont know what that means.

Thought?
I'm still itching for US Bank Cash+ wondering if they would only pull TransUnion: 748 ... although i have 0 inquires in the last 12 months there seem to be another system where they could still see your other inquiries ? so maybe i should wait 6 months or longer before applying this. Luckily, i was not double pulled for Freedom and Sapphire. That is why i applied for Sapphire just hours after Freedom registered. Figured 2 limits for 1 inquiry is well worth the ulitization. Although i was turned down for Sapphire, It does not hurt applying Sapphire hours after Freedom since they used the same scores from previous app. I would advised they may use the same report for 30 days.

Congrats!!!

Re: SHOPPING SPREE !!!

Anonymous — Thu, 20 Nov 2014 00:13:57 GMT

@yesi-ts-me wrote:
@Anonymous wrote:

APPROVED
APPROVED

PERSONAL EXPERIENCE:

Called 3 times a day!!! (Citi 888-201-4523) no go ...(told me to wait) ... 24 hours later checked online after 10 times and saw the status.
------------------------------------------------------------------------------------------------------

For Chase i app both Citi and Chase the same time. (2 seperate browsers) ....

Got an email ....

Called Chase: 888-245-0625 (Credit Analyst - Recons)

asked for status and was asked if i was aware of another name and delinquency with Chase and said no. APPROVED. Expedited.

Few hours later...

The next day I called Chase: 888-245-0625 (Credit Analyst - Recons)

asked for status and was no go (turned down) citing declinincy from before with Chase. I reckoned citing the person on the account isn't me. 20 minutes back and forth to several departments they decided to launch an investigation probe on my behalf and if in my favor will honor and approve my application. May take up to 90 days for notification on the status. Wary whether they just closed my Freedom i called the status line the next day and it was still active. Thank you all and hope this serves everyones purpose in completing your future applications. thank you

profile upon submiting application:

CHASE Freedom pulled...
Experian: 743 (will update this once i recieve their actual scores)
Equifax: 572 (Under investigation) ... don't know
Ulitzation: 12% (could have waited 2 weeks 6%) I just couldn't wait
AAoA: 1 year (probably 8 months now with 3 new accounts) ?
Inquires in the last 12 months: 1 (maybe 2 if they saw Citi)

@Anonymous: $6,000 @ 18.99%

CITI Double Cash pulled...
Experian: 743 (will update this once i receieve their actual scores)
Ulitzation: 12% (could have waited 2 weeks 6%) I just couldn't wait
AAoA: 1 year (probably 8 months now with 3 new accounts) ?
Inquires in the last 12 months: 1 (maybe 2 if they saw Chase)

@Anonymous: $3,700 @ 18.99% ? says prime rate 15.74% dont know what that means.

Thought?
I'm still itching for US Bank Cash+ wondering if they would only pull TransUnion: 748 ... although i have 0 inquires in the last 12 months there seem to be another system where they could still see your other inquiries ? so maybe i should wait 6 months or longer before applying this. Luckily, i was not double pulled for Freedom and Sapphire. That is why i applied for Sapphire just hours after Freedom registered. Figured 2 limits for 1 inquiry is well worth the ulitization. Although i was turned down for Sapphire, It does not hurt applying Sapphire hours after Freedom since they used the same scores from previous app. I would advised they may use the same report for 30 days.
Congrats!!!

interesting .... they pulled TransUnion. is that this FARLEY STATE-BANK INQUIRY i see ?

Re: SHOPPING SPREE !!!

CreditCuriosity — Thu, 20 Nov 2014 00:25:07 GMT

Weird I didn't get a chase score with my card today .. I didn't ge tthe best term either..hmm

Re: SHOPPING SPREE !!!

FinStar — Thu, 20 Nov 2014 00:33:34 GMT

@CreditCuriousity wrote:
Weird I didn't get a chase score with my card today .. I didn't ge tthe best term either..hmm

Some of the disclosures can arrive separately from when you initially receive your card. Most folks who get their cards expedited usually get both (card & disclosure) but not always.

Re: SHOPPING SPREE !!!

Anonymous — Thu, 20 Nov 2014 00:39:47 GMT

@FinStar wrote:
@CreditCuriousity wrote:
Weird I didn't get a chase score with my card today .. I didn't ge tthe best term either..hmm
Some of the disclosures can arrive separately from when you initially receive your card. Most folks who get their cards expedited usually get both (card & disclosure) but not always.

im shock ...

factors hurting my credit ? ''TOO MUCH AVAILABLE CREDIT'' TOO MUCH AVAILABLE ... means I'm not using my credit cards , keeping them active. GOOD JOB ? i had 0 inquires with 12 - 14% ultilzaton ... werid

Re: SHOPPING SPREE !!!

alvon123 — Thu, 20 Nov 2014 01:43:05 GMT

congrats