topic Re: Mini App Spree.....HAT TRICK!!! in Credit Cards

Mini App Spree.....HAT TRICK!!!

Mace — Wed, 08 Dec 2010 16:32:18 GMT

Last Friday I decided to apply for a few credit cards (one of them may have been Thursday) not thinking I would be too succesful. Here are my results:

AMEX Zync - APPROVED
Citi Forward - APPROVED Limit: $5000 (now my highest)
Barclay iTunes - Instantly Declined. Called for recon and was APPROVED for $2500. (If anyone would like details about the Recon feel free to ask)

And to think, before March I had NO credit cards and the only things in my credit reports was a revolving account that has been closed since 2005 and a paid/released tax lien from 2006.

Thank you everyone here in the myFico community.

Re: Mini App Spree.....HAT TRICK!!!

mross1080 — Wed, 08 Dec 2010 16:34:00 GMT

Congrats!

Re: Mini App Spree.....HAT TRICK!!!

MarineVietVet — Wed, 08 Dec 2010 16:36:06 GMT

I know the advice and support here is second to none but you had to do all the hard work.

Congratulations.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Mini App Spree.....HAT TRICK!!!

Anonymous — Wed, 08 Dec 2010 16:36:35 GMT

Congrats!!! I tried to recon 2x with Discover.... but failed

Re: Mini App Spree.....HAT TRICK!!!

Anonymous — Wed, 08 Dec 2010 16:37:48 GMT

@Mace wrote:
Last Friday I decided to apply for a few credit cards (one of them may have been Thursday) not thinking I would be too succesful. Here are my results:

AMEX Zync - APPROVED
Citi Forward - APPROVED Limit: $5000 (now my highest)
Barclay iTunes - Instantly Declined. Called for recon and was APPROVED for $2500. (If anyone would like details about the Recon feel free to ask)
And to think, before March I had NO credit cards and the only things in my credit reports was a revolving account that has been closed since 2005 and a paid/released tax lien from 2006.

Thank you everyone here in the myFico community.

Congrats on the new cards.

As I am not applying for this card it is irrelevant to myself but I will ask what the details are so others who do apply have an easier way of seeing what happened in your experience.

Thank you

Re: Mini App Spree.....HAT TRICK!!!

Mace — Wed, 08 Dec 2010 16:57:26 GMT

The recon was actually pretty straight forward. I called the number listed in the backdoor thread. When the analyst answered, I told him I applied for and was declined a card. He then asked a few identity questions and my HHI. I was asked how much I was looking to spend with apple. I informed him that I really just wanted to use it like a regular revolving account, but that I am in market for a laptop. He then informed me that he approved me for $2500 and I should receive my card within 7-10 days.

That was it.

Re: Mini App Spree.....HAT TRICK!!!

Anonymous — Wed, 08 Dec 2010 17:39:51 GMT

Lucky.... I was on the phone with Discover for nearly 45 minutes, still denied!

Re: Mini App Spree.....HAT TRICK!!!

Creditaddict — Wed, 08 Dec 2010 17:46:16 GMT

@Anonymous wrote:
Lucky.... I was on the phone with Discover for nearly 45 minutes, still denied!

Discover has lost it's luster with me. I manage the business card that is in my moms name, when she originally applied over 2 years ago, they would not issue anymore credit than the $8600 she had on personal card, so we moved $2200 to the business card and they opened it... Flash forward to maybe beginning of this year and they started CLD the business account, 3 times now and it's at $900 now... Don't really use it anymore now that it reports to personal credit but just thought it was silly for them to take away like $200 at a time.

Re: Mini App Spree.....HAT TRICK!!!

Anonymous — Wed, 08 Dec 2010 17:47:55 GMT

@Creditaddict wrote:

@Anonymous wrote:
Lucky.... I was on the phone with Discover for nearly 45 minutes, still denied!
Discover has lost it's luster with me. I manage the business card that is in my moms name, when she originally applied over 2 years ago, they would not issue anymore credit than the $8600 she had on personal card, so we moved $2200 to the business card and they opened it... Flash forward to maybe beginning of this year and they started CLD the business account, 3 times now and it's at $900 now... Don't really use it anymore now that it reports to personal credit but just thought it was silly for them to take away like $200 at a time.

..... no comment.

Re: Mini App Spree.....HAT TRICK!!!

Anonymous — Wed, 08 Dec 2010 17:53:02 GMT

@Mace wrote:
Last Friday I decided to apply for a few credit cards (one of them may have been Thursday) not thinking I would be too succesful. Here are my results:

AMEX Zync - APPROVED
Citi Forward - APPROVED Limit: $5000 (now my highest)
Barclay iTunes - Instantly Declined. Called for recon and was APPROVED for $2500. (If anyone would like details about the Recon feel free to ask)
And to think, before March I had NO credit cards and the only things in my credit reports was a revolving account that has been closed since 2005 and a paid/released tax lien from 2006.

Thank you everyone here in the myFico community.

Congrats - NICE! Just ensure you pay Citi on time and keep uti low and you should see the luv button appear.

Re: Mini App Spree.....HAT TRICK!!!

hedgeclipper2 — Wed, 08 Dec 2010 17:56:37 GMT

Congrats!

You should like Barclays alot, they are a pleasure to deal with IMO.

Re: Mini App Spree.....HAT TRICK!!!

Mace — Thu, 09 Dec 2010 02:04:58 GMT

I would like a couple more cards. Two store cards and the United Mileage Plus card from Chase. Other than that, I think I'm done for now.