topic Re: Whoa! Dodged a Bullet Today in Credit Card Applications

Whoa! Dodged a Bullet Today

CreditMagic7 — Fri, 06 Feb 2015 18:03:52 GMT

So as some of you who follow my crazy antics already know i been gardening since Chase CSP approval early last month.

And then another wave of credit card mania falls from the sky yet once again, this time in the form of Capital One's Venture card high limit approvals mania

As i been holding out for Barclays Sallie Mae (trying since March 2014 for this card), i needed to get THIS app out the way FIRST! before going for Venture.

So i pulled the trigger this morning for it and dammit, wouldn't you know it, the routine 7-10 day BS crap so i called into Recom that same hour.

Much to my utter surprise though the Recon guy said they did just receive the new app but did not pull a HP for it. They were going off the denial report from October. He asked me that if i wanted them to, they could certainly do a new report and proceed with reconsideration. I POLITELY DECLINED!

During our discussion he brought up the previous reasons of too many new accounts and i told him if you guys would have just approved the Sallie Mae in the first place i wouldn't still be trying for that ONE card now for nearly a year. I already have the Barclays Rewards that was an Instant 5K approval last July. Other issuers send preapprovals without all the stupid recon hassle. And not only that, i have another bonified preapproval sitting on the table from Chase.

I didn't want to make his day bad with negativity so i didn't break it to him that there are already other lenders who are so much more than ready and willing to do New Business with me.

So i dodged a HP on what certaintly seems like would have just been another Barclays Sallie Mae DENIAL again for the 3rd time PLUS i was able to re-gather my senses just in time to cancel the Capital One Venture application at the very last second too.

In conclusion, another successful escape from ANY more HP's in the face of some Very Strong temptation this time Whew!

Re: Whoa! Dodged a Bullet Today

Anonymous — Fri, 06 Feb 2015 18:08:10 GMT

Since Barclays has been so mean, it's time for you to run to the loving arms of Cap One for an approval hug.

Re: Whoa! Dodged a Bullet Today

Anonymous — Fri, 06 Feb 2015 18:09:05 GMT

@CreditMagic7 wrote:
So as some of you who follow my crazy antics already know i been gardening since Chase CSP approval early last month.

And then another wave of credit card mania falls from the sky yet once again, this time in the form of Capital One's Venture card high limit approvals mania

As i been holding out for Barclays Sallie Mae (trying since March 2014 for this card), i needed to get THIS app out the way FIRST! before going for Venture.

So i pulled the trigger this morning for it and dammit, wouldn't you know it, the routine 7-10 day BS crap so i called into Recom that same hour.

Much to my utter surprise though the Recon guy said they did just receive the new app but did not pull a HP for it. They were going off the denial report from October. He asked me that if i wanted them to, they could certainly do a new report and proceed with reconsideration. I POLITELY DECLINED!

During our discussion he brought up the previous reasons of too many new accounts and i told him if you guys would have just approved the Sallie Mae in the first place i wouldn't still be trying for that ONE card now for nearly a year. I already have the Barclays Rewards that was an Instant 5K approval last July. Other issuers send preapprovals without all the stupid recon hassle. And not only that, i have another bonified preapproval sitting on the table from Chase.

I didn't want to make his day bad with negativity so i didn't break it to him that there are already other lenders who are so much more than ready and willing to do New Business with me.

So i dodged a HP on what certaintly seems like would have just been another Barclays Sallie Mae DENIAL again for the 3rd time PLUS i was able to re-gather my senses just in time to cancel the Capital One Venture application at the very last second too.

In conclusion, another successful escape from ANY more HP's in the face of some Very Strong temptation this time Whew!

Question for the experts here:

Is a no HP app still considered a Garden reset?

Re: Whoa! Dodged a Bullet Today

Anonymous — Fri, 06 Feb 2015 18:09:31 GMT

@Anonymous wrote:
Since Barclays has been so mean, it's time for you to run to the loving arms of Cap One for an approval hug.

Knowing this guy's luck he'd end up getting a $600 Venture.

Re: Whoa! Dodged a Bullet Today

Anonymous — Fri, 06 Feb 2015 18:11:45 GMT

@Anonymous wrote:
Since Barclays has been so mean, it's time for you to run to the loving arms of Cap One for an approval hug.

Come to daddy

Re: Whoa! Dodged a Bullet Today

CreditCuriosity — Fri, 06 Feb 2015 18:20:07 GMT

@Anonymous wrote:
Since Barclays has been so mean, it's time for you to run to the loving arms of Cap One for an approval hug.

Just say no!

Re: Whoa! Dodged a Bullet Today

Anonymous — Fri, 06 Feb 2015 18:28:29 GMT

CreditMagic7 - garden huh ... need cage or to take your computer away. Too many close calls

Re: Whoa! Dodged a Bullet Today

CreditMagic7 — Fri, 06 Feb 2015 18:50:51 GMT

@ArmyVietVet wrote:
CreditMagic7 - garden huh ... need cage or to take your computer away. Too many close calls

ArmyVietVet

It's a bonified trait! I never asked for it but it's somehow magically always just that way.

Another example, Early AM this past Monday i was out of town again, gas prices all over the place at $1.77 and i had business there all morning. When i was ready to leave that afternoon all of the sudden the price for gas had jumped up to $2.10 a gallon in a matter of those few short hours. Before getting on the Interstate i remembered seeing one station some miles back still at $1.77. I doubled back and just as i was pulling into the station a guy was about to tape off that pump!! I raced up to it and ask if i could go ahead and fill up before he closed it down and he said sure Whew!! Got in just under the wire. Hate paying insane artifically bloated prices when we don't have to.

Moral of the story is no matter what i do, it always seems it takes a Herculean effort and wind up just getting thru at the last moments.

Ever see the show Ice Road Truckers? And the opening song "Living On The Edge"? That's CreditMagic's Life

Re: Whoa! Dodged a Bullet Today

Anonymous — Fri, 06 Feb 2015 18:54:24 GMT

@CreditMagic7 wrote:
@ArmyVietVet wrote:
CreditMagic7 - garden huh ... need cage or to take your computer away. Too many close calls
ArmyVietVet

It's a bonified trait! I never asked for it but it's somehow magically always just that way.

Another example, Early AM this past Monday i was out of town again, gas prices all over the place at $1.77 and i had business there all morning. When i was ready to leave that afternoon all of the sudden the price for gas had jumped up to $2.10 a gallon in a matter of those few short hours. Before getting on the Interstate i remembered seeing one station some miles back still at $1.77. I doubled back and just as i was pulling into the station a guy was about to tape off that pump!! I raced up to it and ask if i could go ahead and fill up before he closed it down and he said sure Whew!! Got in just under the wire. Hate paying insane artifically bloated prices when we don't have to.

Moral of the story is no matter what i do, it always seems it takes a Herculean effort and wind up just getting thru at the last moments.

Ever see the show Ice Road Truckers? And the opening song "Living On The Edge"? That's CreditMagic's Life

Nice.

Re: Whoa! Dodged a Bullet Today

CreditMagic7 — Fri, 06 Feb 2015 19:00:56 GMT

@Anonymous wrote:
@CreditMagic7 wrote:
@ArmyVietVet wrote:
CreditMagic7 - garden huh ... need cage or to take your computer away. Too many close calls
ArmyVietVet

It's a bonified trait! I never asked for it but it's somehow magically always just that way.

Another example, Early AM this past Monday i was out of town again, gas prices all over the place at $1.77 and i had business there all morning. When i was ready to leave that afternoon all of the sudden the price for gas had jumped up to $2.10 a gallon in a matter of those few short hours. Before getting on the Interstate i remembered seeing one station some miles back still at $1.77. I doubled back and just as i was pulling into the station a guy was about to tape off that pump!! I raced up to it and ask if i could go ahead and fill up before he closed it down and he said sure Whew!! Got in just under the wire. Hate paying insane artifically bloated prices when we don't have to.

Moral of the story is no matter what i do, it always seems it takes a Herculean effort and wind up just getting thru at the last moments.

Ever see the show Ice Road Truckers? And the opening song "Living On The Edge"? That's CreditMagic's Life
Nice.

Story of my life

Re: Whoa! Dodged a Bullet Today

Anonymous — Fri, 06 Feb 2015 19:21:15 GMT

@Anonymous wrote:
Since Barclays has been so mean, it's time for you to run to the loving arms of Cap One for an approval hug.

LOL!

Re: Whoa! Dodged a Bullet Today

CreditMagic7 — Fri, 06 Feb 2015 19:54:46 GMT

@ArmyVietVet wrote:
CreditMagic7 - garden huh ... need cage or to take your computer away. Too many close calls

It's something you are very familiar with ArmyVietVet.

It's called DISCIPLINE

Something i never knew i even had with credit until this forum!

Re: Whoa! Dodged a Bullet Today

Anonymous — Fri, 06 Feb 2015 19:55:52 GMT

@CreditMagic7 wrote:
@ArmyVietVet wrote:
CreditMagic7 - garden huh ... need cage or to take your computer away. Too many close calls
It's something you are very familiar with ArmyVietVet.
It's called DISCIPLINE

Something i never knew i even had with credit until this forum!

Better check approvals.

Remember that prophecy of mine about 10 Venture Approval threads?

It's not far from it, my friend.

Re: Whoa! Dodged a Bullet Today

CreditMagic7 — Fri, 06 Feb 2015 20:00:20 GMT

@Anonymous wrote:
@CreditMagic7 wrote:
@ArmyVietVet wrote:
CreditMagic7 - garden huh ... need cage or to take your computer away. Too many close calls
It's something you are very familiar with ArmyVietVet.
It's called DISCIPLINE

Something i never knew i even had with credit until this forum!
Better check approvals.

Remember that prophecy of mine about 10 Venture Approval threads?
It's not far from it, my friend.

I will ONLY if YOU WILL!!!

The DW is in, now your turn

Re: Whoa! Dodged a Bullet Today

wmweeza — Fri, 06 Feb 2015 21:54:45 GMT

@Anonymous wrote:
Question for the experts here:

Is a no HP app still considered a Garden reset?

nope

Re: Whoa! Dodged a Bullet Today

Anonymous — Fri, 06 Feb 2015 21:55:53 GMT

@wmweeza wrote:
@Anonymous wrote:
Question for the experts here:

Is a no HP app still considered a Garden reset?
nope

Didn't think so.

You're safe, CM7!

Re: Whoa! Dodged a Bullet Today

wmweeza — Fri, 06 Feb 2015 22:33:54 GMT

What is gardening? Quite simply, it involves refraining from applying for new credit or seeking CLIs that require hard pulls. Soft pulls CLIs, however, are not only acceptable, but are encouraged"

From the GC sticky post

HOWEVER it also says:

"The Garden Club community recognizes that certain inquiries are necessary for factors beyond those listed above. Therefore, Hard Pulls/Inquiries for the following bona fide reasons are exempt but not limited to: Opening checking/savings accounts (so long as no line of credit is being opened in addition to these accounts), Employment Applications, Apartment Rentals, Utilities and other such services. These are not considered to be applications for credit per se. Also, for those who are seeking a new mortgage or refinancing an existing one, we understand that your lender will pull your CRs multiple times before closing. For those GC'ers, the first hp will set your clock, not the subsequent pulls. However, if you are simply rate shopping, then the normal hp rules apply."

Re: Whoa! Dodged a Bullet Today

CreditMagic7 — Fri, 06 Feb 2015 23:03:34 GMT

@Anonymous wrote:
@wmweeza wrote:
@Anonymous wrote:
Question for the experts here:

Is a no HP app still considered a Garden reset?
nope
Didn't think so.

You're safe, CM7!

Only for now.

I need to get this weekend over with before it even starts.

Next week i have 3 bankcards going 1 year and that's a certified guarantee of a nice FICO score bump and some negotiating power when needed

Re: Whoa! Dodged a Bullet Today

CreditMagic7 — Sat, 07 Feb 2015 03:00:05 GMT

Well, uh, so much for this effort.

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Capital-One-Again-Venture-Instant-Approval/td-p/3784385

Re: Whoa! Dodged a Bullet Today

Anonymous — Sat, 07 Feb 2015 03:01:20 GMT

I knew you'd step up!