topic Re: Suggestion: Credit Card Approvals! in Credit Cards

Suggestion: Credit Card Approvals!

Anonymous — Tue, 14 Dec 2010 20:27:32 GMT

Why not have a stickied thread like the Auto Loans section of Credit Card approvals? I know there is creditboards and whogavemecredit, however it seems those don't get updated enough and I think this forum is a lot more active. Easier for people to just post in a thread. I dont know, just a suggestions

Maybe we could use a format like:

APPROVED CREDIT CARD:
BUREAU PULLED:
CREDIT SCORE:
CUSTOMER STATE OF RESIDENCE:
AAOA:
UTILITIZATION:

HHI:

CREDIT LIMIT:

MISCELLANEOUS COMMENTARY:

Re: Suggestion: Credit Card Approvals!

Scuba — Tue, 14 Dec 2010 20:48:09 GMT

APPROVED CREDIT CARD: Elan Fin (Comerica Bank)
BUREAU PULLED: EX
CREDIT SCORE: Dunno EX (EQ: 687 TU: 700)
CUSTOMER STATE OF RESIDENCE: CA
AAOA: 9 Yrs
UTILIZATION: 7%

HHI:

CREDIT LIMIT: Low . . . $2.5k

MISCELLANEOUS COMMENTARY: This was in Sept but it was my last card I applied for. Went for Signature card but their instant approval offered me $2,500. I did not learn it was a Platinum card until it came in the mail but it came in 4 days. No annual feel offer included 6 months @ 0% but I can not remember the interest rate because I am still in the 0% period. That was the first time I was "counter offered" a card to accept or reject and I accepted. Inquiries were light as Elan was the second inquiry in the 12 month period ( but 12 in the past 2 years ) but I still have many derogs so I was happy to get it.

Re: Suggestion: Credit Card Approvals!

OnWayUpinTexas — Wed, 15 Dec 2010 04:49:28 GMT

Good idea, OP. People can still sound off about individual cards and related issues in separate threads, but why not keep a running list of approvals for easy reference. I know I do almost all my research here (at least 90%).

Re: Suggestion: Credit Card Approvals!

lovely222 — Wed, 15 Dec 2010 05:09:16 GMT

APPROVED CREDIT CARD: Citi Platinum Select Mastercard
BUREAU PULLED: EX
CREDIT SCORE: ? EX (EQ: 699 TU: 702)
CUSTOMER STATE OF RESIDENCE: NJ
AAOA: 3 Yrs
UTILIZATION: 30%

HHI:

CREDIT LIMIT: 6K

MISCELLANEOUS COMMENTARY: Applied for this just last Friday (12/10) and was approved for 6K. My highest limit is also with Citi (10K) so I was hoping they would give me a high limit on this card too. This is the highest starting limit I have ever had. 0% APR on BT for 21 months. 0% APR on purchases for 12. I might take advantage of the BT offer. I already had 4 INQ on my EX report (2 from Citi for CLIs) all within 2010.

I am done app'ing for awhile. Going to focus on getting util under 5k in 2011. Hope this helps.

Re: Suggestion: Credit Card Approvals!

Gigz — Wed, 15 Dec 2010 06:11:47 GMT

APPROVED CREDIT CARD: AMEX Zync & Navy Gorewards MC
BUREAU PULLED: EX / EQ
CREDIT SCORE:EX: plus score:711 EQ:655 Trans: 735
CUSTOMER STATE OF RESIDENCE: CA
AAOA: 2.5 years
UTILITIZATION: 40% (Kind of high due to Christmas shopping)

HHI:

CREDIT LIMIT: AMEX Zync ? Navy Gorewards MC $1500

MISCELLANEOUS COMMENTARY:

Excited for my first Amex to come in the mail and I'm going to wait until the 6 month mark to request a cli for my gorewards

Re: Suggestion: Credit Card Approvals!

Anonymous — Wed, 15 Dec 2010 07:46:26 GMT

APPROVED CREDIT CARD: Blue Cash
BUREAU PULLED: N/A
CREDIT SCORE:727
CUSTOMER STATE OF RESIDENCE:CA
AAOA:1.8
UTILITIZATION:1%

HHI:

CREDIT LIMIT:$2000

MISCELLANEOUS COMMENTARY:

Re: Suggestion: Credit Card Approvals!

Anonymous — Wed, 15 Dec 2010 07:53:35 GMT

APPROVED CREDIT CARD: U.S. Bank FlexPerks SelectRewards Visa Credit Card.
BUREAU PULLED: Equifax.
CREDIT SCORE: 740ish.
CUSTOMER STATE OF RESIDENCE: California.
AAOA: 3 years or so.
UTILITIZATION: 0.003%.

HHI: Me and my girlfriend's combined would be around $230,000.

CREDIT LIMIT: $23,000.

MISCELLANEOUS COMMENTARY: Instant approval within branch.

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

APPROVED CREDIT CARD: U.S. Bank Premier Line of Credit.
BUREAU PULLED: Equifax.
CREDIT SCORE: 740ish.
CUSTOMER STATE OF RESIDENCE: California.
AAOA: 3 years or so.
UTILITIZATION: 0.003%.

HHI: Me and my girlfriend's combined would be around $230,000.

CREDIT LIMIT: $25,000 (max).

MISCELLANEOUS COMMENTARY: Approval for max amount available on a U.S. Bank Premier Line of Credit with Income Verification.

Re: Suggestion: Credit Card Approvals!

Anonymous — Wed, 15 Dec 2010 08:41:05 GMT

whoa huge hhi! do you guys own a business or something?

@Anonymous wrote:

APPROVED CREDIT CARD: U.S. Bank FlexPerks SelectRewards Visa Credit Card.
BUREAU PULLED: Equifax.
CREDIT SCORE: 740ish.
CUSTOMER STATE OF RESIDENCE: California.
AAOA: 3 years or so.
UTILITIZATION: 0.003%.
HHI: Me and my girlfriend's combined would be around $230,000.
CREDIT LIMIT: $23,000.
MISCELLANEOUS COMMENTARY: Instant approval within branch.

---------------------------------------
APPROVED CREDIT CARD: U.S. Bank Premier Line of Credit.
BUREAU PULLED: Equifax.
CREDIT SCORE: 740ish.
CUSTOMER STATE OF RESIDENCE: California.
AAOA: 3 years or so.
UTILITIZATION: 0.003%.
HHI: Me and my girlfriend's combined would be around $230,000.
CREDIT LIMIT: $25,000 (max).
MISCELLANEOUS COMMENTARY: Approval for max amount available on a U.S. Bank Premier Line of Credit with Income Verification.

Re: Suggestion: Credit Card Approvals!

Anonymous — Wed, 15 Dec 2010 09:45:45 GMT

@Anonymous wrote:
whoa huge hhi! do you guys own a business or something?
@Anonymous wrote:

APPROVED CREDIT CARD: U.S. Bank FlexPerks SelectRewards Visa Credit Card.
BUREAU PULLED: Equifax.
CREDIT SCORE: 740ish.
CUSTOMER STATE OF RESIDENCE: California.
AAOA: 3 years or so.
UTILITIZATION: 0.003%.
HHI: Me and my girlfriend's combined would be around $230,000.
CREDIT LIMIT: $23,000.
MISCELLANEOUS COMMENTARY: Instant approval within branch.

---------------------------------------
APPROVED CREDIT CARD: U.S. Bank Premier Line of Credit.
BUREAU PULLED: Equifax.
CREDIT SCORE: 740ish.
CUSTOMER STATE OF RESIDENCE: California.
AAOA: 3 years or so.
UTILITIZATION: 0.003%.
HHI: Me and my girlfriend's combined would be around $230,000.
CREDIT LIMIT: $25,000 (max).
MISCELLANEOUS COMMENTARY: Approval for max amount available on a U.S. Bank Premier Line of Credit with Income Verification.

Nah. The girlfriend, who is several years older than me, is an oncologist. She makes about 60% of the household income. As for me, I'm a Personal/Business Banking Officer and an Assistant Officer of Branch Services with one of the largest banks in the nation. My pay isn't anything to complain about, the girlfriend definitely has me beat, lol.

Re: Suggestion: Credit Card Approvals!

RHAL — Wed, 15 Dec 2010 12:52:55 GMT

APPROVED CREDIT CARD: CITI HHONORS GOLD
BUREAU PULLED:TU
CREDIT SCORE:633
CUSTOMER STATE OF RESIDENCE:CO
AAOA:
UTILITIZATION:60%

HHI:

CREDIT LIMIT:2000

MISCELLANEOUS COMMENTARY:

APPROVED CREDIT CARD:CAP ONE CASH REWARDS
BUREAU PULLED:TU, EX, EQ
CREDIT SCORE:633, 604
CUSTOMER STATE OF RESIDENCE:CO
AAOA:
UTILITIZATION:60%

HHI:

CREDIT LIMIT:750

MISCELLANEOUS COMMENTARY:

Re: Suggestion: Credit Card Approvals!

Anonymous — Wed, 15 Dec 2010 13:23:08 GMT

APPROVED CREDIT CARD: US Bank FlexPerks Select Visa
BUREAU PULLED: TU
CREDIT SCORE: 749
CUSTOMER STATE OF RESIDENCE: PA
AAOA: 4 years
UTILITIZATION: 18%
HHI: N/A
CREDIT LIMIT: 12,000
MISCELLANEOUS COMMENTARY: No fee BT during the first 30 days and 0% APR on balance transfers and purchases for the first 12 billing cycles. i do not live in the US Bank footprint. Applied on or about November 28th.

Re: Suggestion: Credit Card Approvals!

Anonymous — Wed, 15 Dec 2010 13:26:02 GMT

Great layout for new thread

Re: Suggestion: Credit Card Approvals!

Walt_K — Thu, 16 Dec 2010 15:48:22 GMT

APPROVED CREDIT CARD: Amex Premier Rewards Gold
BUREAU PULLED: EX (didn't pull EQ, haven't checked TU)
CREDIT SCORE: EQ FICO 645, EX FAKO 702
CUSTOMER STATE OF RESIDENCE: DC
AAOA: 8 yrs
UTILITIZATION: ~15%

HHI: 230K

CREDIT LIMIT: N/A

MISCELLANEOUS COMMENTARY:

Re: Suggestion: Credit Card Approvals!

Anonymous — Wed, 15 Dec 2010 20:22:40 GMT

love this...we need more with FICOs in the 600's...

We know the 700's are getting approved

Re: Suggestion: Credit Card Approvals!

Anonymous — Wed, 15 Dec 2010 21:16:57 GMT

APPROVED CREDIT CARD: PenFed Cash Reward
BUREAU PULLED: EQ: 729 (FICO score at the time of app, PenFed only pulls EQ)
CREDIT SCORE: EQ FICO 729, EX FAKO 734 TU FICO ? dunno
CUSTOMER STATE OF RESIDENCE: HI

AAOA: 2.2 yrs
UTILITIZATION: ~15%

HHI: 36K

CREDIT LIMIT: $2,500

MISCELLANEOUS COMMENTARY: Instant approval online.

Re: Suggestion: Credit Card Approvals!

Anonymous — Wed, 15 Dec 2010 21:30:43 GMT

APPROVED CREDIT CARD: Home Depot store card
BUREAU PULLED:not sure
CREDIT SCORE:629
CUSTOMER STATE OF RESIDENCE:Utah
AAOA:6.7yrs
UTILITIZATION:30%, down from 89%

HHI:24,000

CREDIT LIMIT:500

MISCELLANEOUS COMMENTARY:Had to call and verify address, and boom, just like that.

APPROVED CREDIT CARD: Paypal MC
BUREAU PULLED:not sure
CREDIT SCORE:629
CUSTOMER STATE OF RESIDENCE:Utah
AAOA:6.7yrs
UTILITIZATION:30%

HHI:24,000

CREDIT LIMIT:300

MISCELLANEOUS COMMENTARY:intant approval online, have had paypal account for etsy business for 1.5yrs

Re: Suggestion: Credit Card Approvals!

Anonymous — Wed, 15 Dec 2010 21:31:22 GMT

forgot to say my score is equifax - sorry

Re: Suggestion: Credit Card Approvals!

RiotMonster — Thu, 16 Dec 2010 00:43:05 GMT

APPROVED CREDIT CARD: Amex Zync/ Gold premier rewards card

BUREAU PULLEDulled only EX
CREDIT SCORE:EX fako 711, EQ 712
CUSTOMER STATE OF RESIDENCE:NJ
AAOA:1.3yrs
UTILITIZATION:10%

HHI:20,000

CREDIT LIMIT:N/A

MISCELLANEOUS COMMENTARY:

Apped today for the zync got instant approval, then applied for the gold also since it only counts as one inquiry and got approved also haha

Re: Suggestion: Credit Card Approvals!

jj10939 — Thu, 16 Dec 2010 21:30:06 GMT

I like this thread...anymore recent approvals out there??

Re: Suggestion: Credit Card Approvals!

clocktick — Fri, 17 Dec 2010 05:14:30 GMT

Good thread, I like it. It would be nice to add BADDIES from pulled CR and ANNUAL FEE - yes or no.