topic Re: 2015 Surprises in Credit Cards

2015 Surprises

12njoy — Mon, 26 Oct 2015 00:25:35 GMT

As we get ready to wind down 2015, I was reflecting back on my 2015 surprises.

1. Chase - I got approved for 7 new Chase cards worth $61,600 after repeatedly being denied an increase on my $10,000 CSP.

2. TD Aeroplan - Originally denied and asked for recon. Amazingly, I was approved for 22k. Don't know how but I won't look a gift horse in the mouth.

3. Synchrony - I managed to hit that 100k across 6 cards.

4. BBVA - Originally denied three times on three different applications. Approved after complaint for 20k at 11.24%.

5. FNBO - Had no idea (until recently) how stringent this bank was. Approved for three cards this year for a total of 21k.

6. Capital One - Burned them many many many (seems like ages ago) years ago under HSBC. Fought to no avail to get CO's removed from CRA's. Approved for four cards at $50,200.

7. Huntington Bank - Approved for Voice card last year for a dismal $500. Kept the card for one year and closed it because they said they didn't have a cli process in place. Applied this month and got 12k.

What were your 2015 surprises, if you care to share, and why?

Re: 2015 Surprises

UncleB — Mon, 26 Oct 2015 00:04:57 GMT

@12njoy wrote:
As we get ready to wind down 2015, I was reflecting back on my 2015 surprises.

1. Chase - I got approved for 7 new Chase cards worth $61,600 after repeatedly being denied an increase on my $10,000 CSP.
2. TD Aeroplan - Originally denied and asked for recon. Amazingly, I was approved. Don't know how but I won't look a gift horse in the mouth.
3. Synchrony - I managed to hit that 100k across 6 cards.
4. BBVA - Originally denied three times on three different applications. Approved after complaint for 20k at 11.24%.
5. FNBO - Had no idea (until recently) how stringent this bank was. Approved for three cards this year for a total of 21k.
6. Capital One - Burned them many many many (seems like ages ago) years ago under HSBC. Fought to no avail to get CO's removed from CRA's. Approved for four cards at $50,200.
7. Huntington Bank - Approved for Voice card last year for a dismal $500. Kept the card for one year and closed it because they said they didn't have a cli process in place. Applied this month and got 12k.

What were your 2015 surprises, if you care to share, and why?

I've had several surprises, but the most significant were getting a Discover card and getting two accounts with Amex after burning them both in BK7 15 years ago. I always assumed both would be forever out of reach!

Re: 2015 Surprises

12njoy — Mon, 26 Oct 2015 00:06:12 GMT

What were your 2015 surprises, if you care to share, and why?
I've had several surprises, but the most significant were getting a Discover card and getting two accounts with Amex after burning them both in BK7 15 years ago. I always assumed both would be forever out of reach!

Congrats UncleB on your success

Re: 2015 Surprises

willwar14 — Mon, 26 Oct 2015 00:08:40 GMT

For me id have to say getting a 25k line at macys with only 10 mons of credit history. Was super shocked.

Re: 2015 Surprises

12njoy — Mon, 26 Oct 2015 00:14:24 GMT

@willwar14 wrote:
For me id have to say getting a 25k line at macys with only 10 mons of credit history. Was super shocked.

That's huge, congrats

Re: 2015 Surprises

willwar14 — Mon, 26 Oct 2015 00:20:00 GMT

Actually 10 mons is now, and it got the CLI to 25k about 2 mons ago so really 8 mons. Also 12njoy thank you for all the experiments and advice you have contributed to this forum!!

Re: 2015 Surprises

Anonymous — Mon, 26 Oct 2015 00:21:02 GMT

August

CSP $5,000

Slate $3,000

PenFed Promise $2,500 and CLI request before card arrived for $5,000 total $7,500

Amex BCE $6,500

Alliant $2,000 recon SL for $10,000

Nasa $10,000

Barclaycard Ring called verification $5,000

Citi DC $3,000

BoA CR denied called recon $3,600

Sept

BBVA NBA $10,000

CO Venture 1 $10,000

CO QS $5,000

Lowes $3,000 CLI request $25,000 CLI request in Oct $35,000

Oct

All this past week

Fidelity Amex $11,000

Commerce Bank prequal mailer $9,000

Chase IHG pending then approved for $10,000

CO Venture denied

After typing all these it has been a good run and I cannot believe all the cardsI got. I had 4 cc before this Aug and the last app was in 2012 and before that was 2008. My highest CL at Aug was 5k. So, I have done well these last few months. Time to sit back and mature these TL.

Re: 2015 Surprises

12njoy — Mon, 26 Oct 2015 00:22:10 GMT

@willwar14 wrote:
Actually 10 mons is now, and it got the CLI to 25k about 2 mons ago so really 8 mons. Also 12njoy thank you for all the experiments and advice you have contributed to this forum!!

That's even better. Is that the Amex version you have? Thanks for your support. I have learned just as much from you all as well, so thank you.

Re: 2015 Surprises

12njoy — Mon, 26 Oct 2015 00:24:35 GMT

Super congrats on a job well done FutCRNA. Approvals have a way of brightening up your day. Next year will bring you bigger and better lines I'm sure.

Re: 2015 Surprises

Anonymous — Mon, 26 Oct 2015 00:25:02 GMT

For me 2015 had a few surprises...

How truly horrific my credit was.

Getting approved for a car loan before doing ANY work on my credit. (Albeit at a horrific interest rate to match horrific credit)

Actually getting unsecured credit, even with low limits. They were good to me so I'm good to them.

And it isn't over yet. I'm anxious to see what the last bit of 2015 hold in store.

Re: 2015 Surprises

12njoy — Mon, 26 Oct 2015 00:29:27 GMT

@Anonymous wrote:
For me 2015 had a few surprises...

How truly horrific my credit was.

Getting approved for a car loan before doing ANY work on my credit. (Albeit at a horrific interest rate to match horrific credit)

Actually getting unsecured credit, even with low limits. They were good to me so I'm good to them.

And it isn't over yet. I'm anxious to see what the last bit of 2015 hold in store.

Congrats. I found in 2012 when I first got my secured cards, that realizing my credit sucked so bad, I couldn't buy my way out of a paper bag, was the beginning of my journey. It sounds like you are well on your way. Upward and onward for you. The future of your credit is in your hands and it looks promising as you're off to a good start.

Re: 2015 Surprises

willwar14 — Mon, 26 Oct 2015 00:30:19 GMT

@12njoy wrote:
@willwar14 wrote:
Actually 10 mons is now, and it got the CLI to 25k about 2 mons ago so really 8 mons. Also 12njoy thank you for all the experiments and advice you have contributed to this forum!!
That's even better. Is that the Amex version you have? Thanks for your support. I have learned just as much from you all as well, so thank you.

Lol I wish, I made the epic error of applying online vs in-store to get the amex, but oh well.

Re: 2015 Surprises

Anonymous — Mon, 26 Oct 2015 00:30:39 GMT

@12njoy wrote:
Super congrats on a job well done FutCRNA. Approvals have a way of brightening up your day. Next year will bring you bigger and better lines I'm sure.

Thanks! I know how you feel when you closed in on 600k. lol I wanted to break the 100k mark when I started apping in Aug. I believe I was at 15k total cl when I started. Now I am closing in on 200k. I said I was going to garden, but I may try for the extra 30k by years end. haha

Re: 2015 Surprises

12njoy — Mon, 26 Oct 2015 00:32:34 GMT

@willwar14 wrote:
@12njoy wrote:
@willwar14 wrote:
Actually 10 mons is now, and it got the CLI to 25k about 2 mons ago so really 8 mons. Also 12njoy thank you for all the experiments and advice you have contributed to this forum!!
That's even better. Is that the Amex version you have? Thanks for your support. I have learned just as much from you all as well, so thank you.
Lol I wish, I made the epic error of applying online vs in-store to get the amex, but oh well.

I've read on these boards (can't guarantee it) that a request for the Amex version is a SP. I dont have the card so I cant say for sure, but worth a call to ask creditor. A 25k Macy's Amex would be even better

Re: 2015 Surprises

Ron1 — Mon, 26 Oct 2015 00:37:04 GMT

Wrong post.

Ron.

Re: 2015 Surprises

12njoy — Mon, 26 Oct 2015 00:35:28 GMT

@Anonymous wrote:
@12njoy wrote:
Super congrats on a job well done FutCRNA. Approvals have a way of brightening up your day. Next year will bring you bigger and better lines I'm sure.
Thanks! I know how you feel when you closed in on 600k. lol I wanted to break the 100k mark when I started apping in Aug. I believe I was at 15k total cl when I started. Now I am closing in on 200k. I said I was going to garden, but I may try for the extra 30k by years end. haha

I hear you. Congrats on that 200k. My goal was 100k originally then switched to 250k. The next goal jumped all the way to 500k because I wanted to be a half millionaire (in credit only ha ha). Then I kept going. It's easy to keep going when you look back at where you came from. It just opens up so many possibilities. I only use a fraction of the credit I have, but it's nice to have and know that if anything happened, I can cover it.

Re: 2015 Surprises

Discover2016 — Mon, 26 Oct 2015 00:35:29 GMT

My main surprise was getting approved for CSP! I thought I would have to wait two years before I could app for CSP since my 5/24 window was closing very quickly.

Re: 2015 Surprises

willwar14 — Mon, 26 Oct 2015 00:38:36 GMT

@12njoy wrote:
@willwar14 wrote:
@12njoy wrote:
@willwar14 wrote:
Actually 10 mons is now, and it got the CLI to 25k about 2 mons ago so really 8 mons. Also 12njoy thank you for all the experiments and advice you have contributed to this forum!!
That's even better. Is that the Amex version you have? Thanks for your support. I have learned just as much from you all as well, so thank you.
Lol I wish, I made the epic error of applying online vs in-store to get the amex, but oh well.
I've read on these boards (can't guarantee it) that a request for the Amex version is a SP. I dont have the card so I cant say for sure, but worth a call to ask creditor. A 25k Macy's Amex would be even better

Indeed it was, that was before they upgraded their systems now theres no option to upgrade to the Amex, the only way to get it is to go into a Macy's and apply for it (and it would be a HP and a new TL)

Re: 2015 Surprises

12njoy — Mon, 26 Oct 2015 00:36:55 GMT

@Ron1 wrote:
I respect your decision. You need to what you had to.

Ron.

Thanks Ron. I did listen to what you had to say in our private chat. Based on that information and what others had said with what I was told by credit solutions, that was the only choice.

Re: 2015 Surprises

12njoy — Mon, 26 Oct 2015 00:37:39 GMT

@Discover2016 wrote:
My main surprise was getting approved for CSP! I thought I would have to wait two years before I could app for CSP since my 5/24 window was closing very quickly.

Congrats. Love that cool looking/feeling CSP card