topic Re: 3 credit apps in 1 day, wish me luck! in Credit Cards

3 credit apps in 1 day, wish me luck!

Scene — Tue, 01 Nov 2011 21:56:17 GMT

BoA Student Platinum Plus (status: instant approved @ $7000); pulled experian

Chase BP gas card (status: 7-10 day notice); automated response didn't provide any details as to which bureau they pull

Citi Forward (status: 7-10 day notice); said they would pull experian, too

My overall (not including AU accounts) AoAA SHOULD be more than 1 year and my payment history is PERFECT (no bads, lates, bks, pr, liens). No point in pulling a credit score since it is likely skewed by the AU accounts.

Should I even bother giving the chase and citi backdoor numbers a call to try and expedite my applications? I called the "app check" for citi and the "automated response" number for chase and I wasn't quite sure if I was getting directed to CSRs or people that actually look at the applications (analysts).

Re: 3 credit apps in 1 day, wish me luck!

smc733 — Tue, 01 Nov 2011 21:57:27 GMT

$7,000 for a student card?

Do you mean $700?

Re: 3 credit apps in 1 day, wish me luck!

Anonymous — Tue, 01 Nov 2011 21:58:17 GMT

I too am amazed a student card for 7k, is that correct?

Re: 3 credit apps in 1 day, wish me luck!

Anonymous — Tue, 01 Nov 2011 22:12:03 GMT

A friend of mine got 5k on his Citi Forward for Students a few months ago. So I'd believe it.

Re: 3 credit apps in 1 day, wish me luck!

Scene — Tue, 01 Nov 2011 22:12:20 GMT

$7,000 CL is correct. I couldn't believe it either! I called up the instant decision number after I applied and the credit analyst I spoke with set me up with a $7,000 CL surprisingly. hehe that is alot of yogurt!

Re: 3 credit apps in 1 day, wish me luck!

smc733 — Tue, 01 Nov 2011 22:32:47 GMT

@Scene wrote:
$7,000 CL is correct. I couldn't believe it either! I called up the instant decision number after I applied and the credit analyst I spoke with set me up with a $7,000 CL surprisingly. hehe that is alot of yogurt!

Well, that's pretty awesome, congratulations! You should definitely look into a product change to something like the BankAmericard Cash Rewards now that your foot is in the door. They do product changes with no fight, and you can get a lower APR wih a non-student card, in addition to the rewards.

Re: 3 credit apps in 1 day, wish me luck!

Scene — Tue, 01 Nov 2011 22:43:14 GMT

rewards and APR were never really nothing to get excited over for me since I pay in full and I find rewards to be too small. I just want to build a solid credit report since I will most likely need their services in the future.

Re: 3 credit apps in 1 day, wish me luck!

Red1Blue — Tue, 01 Nov 2011 23:56:30 GMT

Congrats on BOA. Most likely you'll get citi with $4k CL which is normal for citi starter cards. Chase could be iffy. When we applied for my Daughter they wanted financials like pay check, tax returns and other things.

Re: 3 credit apps in 1 day, wish me luck!

Scene — Wed, 02 Nov 2011 01:40:41 GMT

@Red1Blue wrote:
Congrats on BOA. Most likely you'll get citi with $4k CL which is normal for citi starter cards. Chase could be iffy. When we applied for my Daughter they wanted financials like pay check, tax returns and other things.

meh they already have most of that information anyways since I bank with them.

Re: 3 credit apps in 1 day, wish me luck!

Anonymous — Wed, 02 Nov 2011 02:43:39 GMT

Interesting on the BoA card...I just got the same one and the rep told me $2500 was the max CL for that card.

Re: 3 credit apps in 1 day, wish me luck!

Scene — Thu, 03 Nov 2011 06:31:59 GMT

After a lustrious night of boozing, girls, and partying only to end the night due to early obligations tomorrow, I come home to open my email through Outlook 2010 to see a devastating email from "Citi Cards" stating that my application was denied due to my "outstanding credit lines being too high when compared to my stated income." I am going to call up the Citi credit deptartment tomorrow to dispute this outlandish claim. In my report, I only have two cards under my name a lousy $450 limit card and a charge card. I am going to assume they are INCLUDING the cards in which I am AU'd (6 cards). If that is the case then they are right since those cards have sky high limits nearing 75-150k revolving. My income is only 5,000 but my overall worth is way more than that!

any suggestions when I call up the credit department?

Re: 3 credit apps in 1 day, wish me luck!

Anonymous — Thu, 03 Nov 2011 10:42:15 GMT

@Scene wrote:
@Anonymous Student Platinum Plus (status: instant approved @ $7000); pulled experian
Chase BP gas card (status: 7-10 day notice); automated response didn't provide any details as to which bureau they pull
Citi Forward (status: 7-10 day notice); said they would pull experian, too

My overall (not including AU accounts) AoAA SHOULD be more than 1 year and my payment history is PERFECT (no bads, lates, bks, pr, liens). No point in pulling a credit score since it is likely skewed by the AU accounts.

Should I even bother giving the chase and citi backdoor numbers a call to try and expedite my applications? I called the "app check" for citi and the "automated response" number for chase and I wasn't quite sure if I was getting directed to CSRs or people that actually look at the applications (analysts).

Wow that's a nice starting limit! Congrats! Would you mind sharing the state you reside in and your scores if you know them yet.

Re: 3 credit apps in 1 day, wish me luck!

SevenNEW — Thu, 03 Nov 2011 11:07:40 GMT

Perhaps you have reached the point where the AU cards actually damage you...

Re: 3 credit apps in 1 day, wish me luck!

haulingthescoreup — Thu, 03 Nov 2011 13:59:24 GMT

@Scene wrote:
After a lustrious night of boozing, girls, and partying only to end the night due to early obligations tomorrow, I come home to open my email through Outlook 2010 to see a devastating email from "Citi Cards" stating that my application was denied due to my "outstanding credit lines being too high when compared to my stated income." I am going to call up the Citi credit deptartment tomorrow to dispute this outlandish claim. In my report, I only have two cards under my name a lousy $450 limit card and a charge card. I am going to assume they are INCLUDING the cards in which I am AU'd (6 cards). If that is the case then they are right since those cards have sky high limits nearing 75-150k revolving. My income is only 5,000 but my overall worth is way more than that!

any suggestions when I call up the credit department?

Oh, you're back.

Perhaps you should borrow the private jet again and go visit them in person?

Re: 3 credit apps in 1 day, wish me luck!

Anonymous — Thu, 03 Nov 2011 15:49:18 GMT

@Scene wrote:
After a lustrious night of boozing, girls, and partying only to end the night due to early obligations tomorrow, I come home to open my email through Outlook 2010 to see a devastating email from "Citi Cards" stating that my application was denied due to my "outstanding credit lines being too high when compared to my stated income." I am going to call up the Citi credit deptartment tomorrow to dispute this outlandish claim. In my report, I only have two cards under my name a lousy $450 limit card and a charge card. I am going to assume they are INCLUDING the cards in which I am AU'd (6 cards). If that is the case then they are right since those cards have sky high limits nearing 75-150k revolving. My income is only 5,000 but my overall worth is way more than that!

any suggestions when I call up the credit department?

Wooo there if your incoime is only 5,000 I can noyt see you getting a card moe than say $500 personally unless you have aa lot in savings.....but thats just a thought

Re: 3 credit apps in 1 day, wish me luck!

Anonymous — Thu, 03 Nov 2011 20:29:47 GMT

@haulingthescoreup wrote:
@Scene wrote:
After a lustrious night of boozing, girls, and partying only to end the night due to early obligations tomorrow, I come home to open my email through Outlook 2010 to see a devastating email from "Citi Cards" stating that my application was denied due to my "outstanding credit lines being too high when compared to my stated income." I am going to call up the Citi credit deptartment tomorrow to dispute this outlandish claim. In my report, I only have two cards under my name a lousy $450 limit card and a charge card. I am going to assume they are INCLUDING the cards in which I am AU'd (6 cards). If that is the case then they are right since those cards have sky high limits nearing 75-150k revolving. My income is only 5,000 but my overall worth is way more than that!

any suggestions when I call up the credit department?
Oh, you're back.

Perhaps you should borrow the private jet again and go visit them in person?

It is him! The same one who bought a Ferrari or whatever on mom and dad's AMEX.

Re: 3 credit apps in 1 day, wish me luck!

Anonymous — Thu, 03 Nov 2011 20:37:50 GMT

@Scene wrote:
After a lustrious night of boozing, girls, and partying only to end the night due to early obligations tomorrow, I come home to open my email through Outlook 2010 to see a devastating email from "Citi Cards" stating that my application was denied due to my "outstanding credit lines being too high when compared to my stated income." I am going to call up the Citi credit deptartment tomorrow to dispute this outlandish claim. In my report, I only have two cards under my name a lousy $450 limit card and a charge card. I am going to assume they are INCLUDING the cards in which I am AU'd (6 cards). If that is the case then they are right since those cards have sky high limits nearing 75-150k revolving. My income is only 5,000 but my overall worth is way more than that!

any suggestions when I call up the credit department?

Sounds like you are living the high life! What's your secret?

Re: 3 credit apps in 1 day, wish me luck!

Scene — Thu, 03 Nov 2011 22:32:46 GMT

My gulfstream g650 (not leased by the way) is being loaned out to a buddy of mine to fly his family out to Hawaii for the week .

Re: 3 credit apps in 1 day, wish me luck!

pastnow123 — Thu, 03 Nov 2011 23:14:00 GMT

Congrats for BOA student while sorry to hear about Citi Forward. Definitely give them a call for a recon. May i know your credit scores?

Re: 3 credit apps in 1 day, wish me luck!

doublespaces — Thu, 03 Nov 2011 22:56:31 GMT

Hello Scene! Thank you for gracing us with your presence. I'm happy to hear about your approvals and am deeply saddened about the tragic news regarding the Citi decision! Quite astonishing I'm nearly ridden with shock that they would deny someone of your stature and family history. If you are short a craft, please PM me and I'm certain I can set you up with a comercial bird. Cheers!

Sincerely,

Mr. Boeing