topic Re: What are some surprising approvals you’ve landed? in Credit Cards

What are some surprising approvals you’ve landed?

Anonymous — Sat, 11 Apr 2020 05:00:02 GMT

Curious to see if people are landing any of the heavy-hitters while being over 5/24 or having dozens of inquiries, or both.

Would love to hear individual stories and scenarios, or just the card name and issuer if you don't have the time to lay everything out.

Re: What are some surprising approvals you’ve landed?

Anonymous — Sat, 11 Apr 2020 05:06:58 GMT

My most and probably only surprising approval was my Amex Biz Delta Gold.

6 months of history and I was blessed with a 5K limit, 10x higher than any of my non-store cards at the time.

I'm already running a good 4-5k spend through my Amexs so hopefully I can report back with a Platinum approval next month, and a CLI

Income 35K (student)

Ex 682

~15 recent inqs on Ex

Re: What are some surprising approvals you’ve landed?

Anonymous — Sat, 11 Apr 2020 05:37:11 GMT

Why did you apply for the biz and not the regular delta gold? The biz doesn't report to your credit report and would help your chance of upping all your lower $500 limits.

Re: What are some surprising approvals you’ve landed?

CivalV — Sat, 11 Apr 2020 06:08:05 GMT

Chase Marriott Bonvoy, lowest APR rate, 5k SL, 6/24 *I think* & scores were mid 600s with old derogs.... by far one of my most shocking approvals. Citi currently has me preapproved for the Costco Visa Sig but I am nervous to take the pull lol

Re: What are some surprising approvals you’ve landed?

elixerin — Sat, 11 Apr 2020 06:15:18 GMT

Not quite at Dumbee's level of HP's, Half for me.. 20, majority denials. Have to say the Chase Freedom 22.5k approval 1y4mo into brand new credit history last month was awesome, a week or so before everything shut down too. AMEX has still been restricting me heavily still :/ Plats been receiving less love as a result... Hopefully with the Chase that will report on 4/13 10k higher than my highest amex line should hopefully ease them up a bit.. if not a voluntary FR may be in the mix

i ran up about 70-80% of the freedom uti which will be PIF the second the high balanace hits reports and which case the couple days ill be waiting thereafter for my FIRST $0 "auto off-cycle" report with Chase will be exciting cant wait

i was approved on 5/24 TU (Apple card), 4/24 other two. lots of useless inquiries, 40% uti, 670 FICO approval, 24k charge card balance.... Don't ask.. they should have pulled another earlier score which was 700+ at the time with a much more favorable snapshot

Re: What are some surprising approvals you’ve landed?

Anonymous — Sat, 11 Apr 2020 06:21:38 GMT

@Anonymous wrote:
Why did you apply for the biz and not the regular delta gold? The biz doesn't report to your credit report and would help your chance of upping all your lower $500 limits.

I got the Hilton a wk prior for instant approval $1K SL. On the other hand, I think the biz was a manual review, and it got me into their biz revolvers which I'm gonna churn so it's worth IMO

Apple/CapOne/Chase are basically bucketed limits, and Synchronys and Discover are easy CLIs.

I think I'll still be able to bring my TCL quite a bit this year with 2 3x Amex CLIs and more revolvers, and some personal loan openings and payoffs. My latest approvals have been higher than earlier ones so it's progressing.

It's a marathon

Re: What are some surprising approvals you’ve landed?

Anonymous — Sat, 11 Apr 2020 11:04:15 GMT

Everything in my signature is in chronological order. The only card in my signature that I had before 3/2018 is my Capital One VentureOne (I PC'd it from QS in January) and I had a $1K Ollo and $2K PlayStation that I closed when I opened the Disco and SSFCU cards 3/2018.

You just have to look up the rules and figure out how to play the game for the cards you want.

Re: What are some surprising approvals you’ve landed?

AverageJoesCredit — Sat, 11 Apr 2020 12:10:13 GMT

Navy actually increasing my cc to $25k! I was persistent in my quest, took too many hp medicine but in the end i won out. To boot i now have a $2k Plat. On my best day, Penfed only allowed me $1500 on one cc.

Re: What are some surprising approvals you’ve landed?

seattletravels — Sat, 11 Apr 2020 12:17:41 GMT

@Anonymous wrote:
Curious to see if people are landing any of the heavy-hitters while being over 5/24 or having dozens of inquiries, or both.

Would love to hear individual stories and scenarios, or just the card name and issuer if you don't have the time to lay everything out.

For me, it was the BECU. Not the approval, per se, but the SL of $40K. At the time I was approved, my highest limit was a Citi AAdvantage card (since PCd to DC) at $19K. The BECU was during mini-spree where I also acquired the Delta Reserve ($20K SL) and CFU (19.1K SL).

DP: scores were 830+ across all 3 with 0 INQ and ~8yr AAoA. 18 mo AoYA.

Re: What are some surprising approvals you’ve landed?

seattletravels — Sat, 11 Apr 2020 12:20:42 GMT

@Anonymous wrote:
Everything in my signature is in chronological order. The only card in my signature that I had before 3/2018 is my Capital One VentureOne (I PC'd it from QS in January) and I had a $1K Ollo and $2K PlayStation that I closed when I opened the Disco and SSFCU cards 3/2018.

You just have to look up the rules and figure out how to play the game for the cards you want.

I just saw your signature and 🤯. This is why I put pronouns in mine. Lol

Re: What are some surprising approvals you’ve landed?

Anonymous — Sat, 11 Apr 2020 12:33:45 GMT

@Anonymous wrote:
Curious to see if people are landing any of the heavy-hitters while being over 5/24 or having dozens of inquiries, or both.

Would love to hear individual stories and scenarios, or just the card name and issuer if you don't have the time to lay everything out.

The 5/24 rule is only applicable to Chase so its entirely possible to obtain approvals from other lenders while over 5/24 if you understand the process. For my part I was able to get a Chase Sapphire Reserve with a $35,000 initial credit limit while at 16/24 and 10/12. I also got a Bank of America Cash Rewards card that eventually grew to $85,000 but now stands at $78,900 after I was also approved for a BofA Premium Rewards card at $21,000. I still will not be under 5/24 until the end of May, 2020.

Re: What are some surprising approvals you’ve landed?

Wavester64 — Sat, 11 Apr 2020 13:19:05 GMT

@seattletravels wrote:
@Anonymous wrote:
Curious to see if people are landing any of the heavy-hitters while being over 5/24 or having dozens of inquiries, or both.

Would love to hear individual stories and scenarios, or just the card name and issuer if you don't have the time to lay everything out.
For me, it was the BECU. Not the approval, per se, but the SL of $40K. At the time I was approved, my highest limit was a Citi AAdvantage card (since PCd to DC) at $19K. The BECU was during mini-spree where I also acquired the Delta Reserve ($20K SL) and CFU (19.1K SL).

DP: scores were 830+ across all 3 with 0 INQ and ~8yr AAoA. 18 mo AoYA.

Wow! (envious mode on). With scores like that I would *expect* an SL of $40K!

Good for you! 👍😎

Re: What are some surprising approvals you’ve landed?

Wavester64 — Sat, 11 Apr 2020 13:22:53 GMT

@MaizeandBlue

>>For my part I was able to get a Chase Sapphire Reserve with a $35,000 initial credit limit while at 16/24 and 10/12.

Wow - how is that even possible?

I am @ 9/24 and I am scared to death of even trying to app for a CHASE card!

.....and I have been with them forever (savings, checking, formerly CDs)

Re: What are some surprising approvals you’ve landed?

KJinNC — Sat, 11 Apr 2020 14:32:16 GMT

For context, I opened my first credit card ($200 secured card) in many years last April 8. My somewhat odd story can all be deduced from the info in my signature.

My most surprising approval at the time was either a $5k Visa Signature from my credit union in June (~2 months after opening that first secured card), or Amex Gold, last July ... but that Amex is a whole lengthy story ...

My most surprising recent approval was Amex Delta Platinum at $20k this March. Since then, I transferred $1,500 to another card, so the current CL is $18,500.

But, I have a lot that surprised me at the time (Citi AAdvantage $11k, Citi Costco $9.5k, Amex BCE $10k). I think I have over 40 total inquiries across all three credit reports, all in the past 13 months. I should also mention that I've gotten a lot of denials ...

Re: What are some surprising approvals you’ve landed?

Anonymous — Sat, 11 Apr 2020 16:31:24 GMT

@Wavester64 wrote:
@MaizeandBlue

>>For my part I was able to get a Chase Sapphire Reserve with a $35,000 initial credit limit while at 16/24 and 10/12.

Wow - how is that even possible?

I am @ 9/24 and I am scared to death of even trying to app for a CHASE card!

.....and I have been with them forever (savings, checking, formerly CDs)

@Wavester64 It was an in-branch pre-approval. Obviously it can't be done now given the current situation, but every time I go inside a branch location I ask either a teller or a personal banker if I have any in-branch pre-approvals. As long as you are a Chase customer they can check if there are existing pre-approvals, and they are the only sure method of getting around the 5/24 rule. My three Chase cards all came through in-branch pre-approvals and several times I've been told that I'm pre-approved for all the credit cards offered by Chase.

Re: What are some surprising approvals you’ve landed?

M_Smart007 — Sat, 11 Apr 2020 17:04:12 GMT

Honestly, I am surprised that any lender would approve me.

Some of my best approvals have come at being over 15/24

Even a Chase Marriott card!

Now Past 30/24

Don't _______________R.a.j. .. makes me look like an awesome gardener

@Gmood1 & @Anonymous Would approve of this message

Re: What are some surprising approvals you’ve landed?

DebtJoe — Sat, 11 Apr 2020 17:54:42 GMT

My Chase Amazon Prime card and my Discover It card. I got them early in my rebuild when I didn't know left from right, and the limits they gave me (especially Discover) was down right irresponsible on thier part LOL.

I have maintained a good relationship with them however, so maybe they weren't wrong?

Re: What are some surprising approvals you’ve landed?

mkhan1093 — Sat, 11 Apr 2020 18:07:40 GMT

Like Saeren, my signature is also everything I have in chronological order. I'm most surprised by my approval for the Chase Sapphire Reserve with a SL of $10K when my credit file was **very** thin, and my limits at the time were $1500 on a Best Buy Visa and $2600 on a CFU. The only history I had before that were student loans. I wouldn't have approved myself at that stage, but I'm glad they did.

Re: What are some surprising approvals you’ve landed?

Anonymous — Sat, 11 Apr 2020 19:17:40 GMT

@seattletravels wrote:
@Anonymous wrote:
Everything in my signature is in chronological order. The only card in my signature that I had before 3/2018 is my Capital One VentureOne (I PC'd it from QS in January) and I had a $1K Ollo and $2K PlayStation that I closed when I opened the Disco and SSFCU cards 3/2018.

You just have to look up the rules and figure out how to play the game for the cards you want.
I just saw your signature and 🤯. This is why I put pronouns in mine. Lol

It was actually your pronouns that inspired me to put that I was a dude 😂

Re: What are some surprising approvals you’ve landed?

Anonymous — Sat, 11 Apr 2020 19:18:47 GMT

@Wavester64 wrote:
@MaizeandBlue

>>For my part I was able to get a Chase Sapphire Reserve with a $35,000 initial credit limit while at 16/24 and 10/12.

Wow - how is that even possible?

I am @ 9/24 and I am scared to death of even trying to app for a CHASE card!

.....and I have been with them forever (savings, checking, formerly CDs)

Go into the branch and ask them to check for offers. In-branch offers are confirmed to bypass 5/24.