topic Re: Okay, that was fun. in Credit Cards

Okay, that was fun.

Anonymous — Thu, 10 May 2012 05:18:11 GMT

There's a method to the madness, but I'm not going to lie... that was exciting in a weird way.

Amex Zync: Instant Approval, NPSL.

Wal-Mart Discover: Instant Approval, $1k

Chase Freedom: Instant Approval, not sure of limit.

Capital One Cash Rewards: Denied

Bank of America: 30 days.

I'm stopping myself there. The denials brought the high down a little but I'm going to try and recon everybody, if for nothing more than the experience. I'm not sure if Credit Analysts are even operating at this time of night, but I'm willing to bet that if they are, they'd think I was a wacko for calling them, so I'm going to wait until tomorrow morning.

A couple quick questions!

1) Should I wait until Chase contacts me with a credit limit before calling them, or just call in under the pretense of finding that out?

2) I'd like the BofA card despite the turmoil they seem to be in lately. I have a feeling they may have declined or waited on the decision due to the fact that I don't have a savings account with them and my checking through them only sees limited use (but always carries a small balance). I actually use my CU primarily and ING for savings. What number is the right one? There's so many on the backdoor page.

3) Capital One!!!! I shake my fist at thee! I want a better card with you so I can drop this stupid Newcomers card!! I should have apped for the "Cash for Average Credit" and not the "Cash for Excellent Credit", but their designation was "no bks or lates" and I have neither. So should I ask to be considered for the average card in recon?

I'm putting on some shorts, donning a straw hat and grabbing my shovel, because it's time to garden for the next year or two.

Re: Okay, that was fun.

Anonymous — Thu, 10 May 2012 05:40:56 GMT

I had fun as well today. I just could not resist the app itch! I stopped at two cards and apps though.

I would wait with Chase and see what CL they offer you. If I remember what I have read correctly Chase does soft pulls and you can request CLI in 6 months?

BOA backdoor... I admit I have never had any dealings with BOA, but I would say that since they are such a large organization almost any of the backdoor numbers could be used.

Cap1 is a funny organization. That is all I think I can say without my post being smacked by the mods I have two of their cards. I am not sure if they are considered starter cards or not. I am not very happy with their CS. I am going to sock drawer one and will sock drawer the other one once I get a Amex BCE or BCP card (in the future). I might even be lucky enough to increase my overall CL to the point that I can dump them both (since they have annual fees of $19 and $39).

No need to garden for two years, one year and these inquiries will be off your record

Re: Okay, that was fun.

improvingmycredit — Thu, 10 May 2012 06:06:52 GMT

Automated app status number: 888-338-2586
Let us know how what it is.

Re: Okay, that was fun.

Anonymous — Thu, 10 May 2012 06:08:24 GMT

I was going for the gold. I wanted to add four cards; no particular reason, I just decided four would be my number. I curbed myself after the second denial instead of pushing my luck any further.

As of yet I haven't had any issues with Capital One so I figured I would continue on with them. I really have no desire to keep a $300 credit limit around that isn't going to grow or ever be capable of a PC, so I thought it couldn't hurt to try and get one of their better offers and then just shut the first one down. We'll see what recon produces, but I may keep it around as a gas card if they can't approve me for another product.

The Chase and Amex were my primary targets. I have to admit I wasn't expecting an approval on the Chase. Confidence just wasn't there with my existing two cards. Amex relationship starts as of today, and while it'd be nice if it was already ten years old at my age, I have only been a resident of the US for a year so it's not bad if you look at it from that angle. Wally's Discover is a bonus for the Fico but I didn't get my account number so I'll have to wait till I recon it tomorrow or until the card comes in the mail before I get to take a look see what that (drops to after th)is.

Re: Okay, that was fun.

Anonymous — Thu, 10 May 2012 06:11:09 GMT

@improvingmycredit wrote:
Automated app status number: 888-338-2586
Let us know how what it is.

Wait, who was that? Bank of America?

Re: Okay, that was fun.

improvingmycredit — Thu, 10 May 2012 06:15:57 GMT

Sorry- oops! Chase app status number. You can find out your credit limit and APR. All automated

Re: Okay, that was fun.

Anonymous — Thu, 10 May 2012 06:18:30 GMT

@improvingmycredit wrote:
Sorry- oops! Chase app status number. You can find out your credit limit and APR. All automated

AHHHH. I was all excited that BofA had me approved. All it told me was that I was approved? Does that mean they're not sure what I'm approved for yet? Kind of scary if that's the case.

Re: Okay, that was fun.

improvingmycredit — Thu, 10 May 2012 06:24:58 GMT

Try this number: 18004367927. (Chase)
This should be able to give you the CL. It's automated also.
Weird that the other one didn't give you that info.

Re: Okay, that was fun.

Anonymous — Thu, 10 May 2012 06:33:00 GMT

Brother, that just made up for the making me think I was approved on BofA. My CL is 3000, and the APR is 22.9 (but I'm okay with that). In 6 months when they see my flawless history with them it's going to drop, I'm not worried. Now to give some thought to dropping that CapOne immediately... no use for a $300 newcomer card. Might keep it just for that slight bump to my total credit....

Edit: I'm going to feel silly if you're a she, and I said 'brother'.

Re: Okay, that was fun.

improvingmycredit — Thu, 10 May 2012 06:36:40 GMT

Congrats! Awesome CL! Gotta love Chase!

It's all good! I'm a dude.
I'd keep the Cap One if there isn't an annual fee or dump it just before it comes due again.

Re: Okay, that was fun.

Anonymous — Thu, 10 May 2012 06:42:07 GMT

I've got the "what if they see my app spree" jitters now. This is perfect, just the way it is, that's all the credit I need for the next year and I'm comfortable with no more apps; I almost wish I had known the Chase CL, because I may not of wasted two more inquiries. Nevertheless, if both CapOne and BofA deny me on recon, I'll shrug it off and say their loss. I don't even need to recon Chase. Going to recon Wally World though, especially since I know Chase gave me that CL. I'll ask for 2k and settle with 1500.

Re: Okay, that was fun.

improvingmycredit — Thu, 10 May 2012 06:57:52 GMT

I wouldn't sweat it.... you'll be ok with both Amex and Chase. There won't be any AA from either of them, I'm pretty sure. Sounds like a plan regarding the Wally World Disc! Good luck! Now... straight to the garden with you!

LOL.

Re: Okay, that was fun.

RyVision — Thu, 10 May 2012 08:05:25 GMT

Congrats on the cards!

1k Wal\Discover and 3k with Chase out of the gate if you only had cap 1 with a 300CL for V\MC accounts was really good. The BoA Constrictor can be picky on recons though (just a heads up, they're no fun to talk to either really, I MIGHT rank it above a root canal, but not sure ).

If you try for a higher CL with Wal\Discover and they don't give one, I think you can always request one after the 4th statement (waiting after eery 4th statement like the store card I think).

Re: Okay, that was fun.

Anonymous — Thu, 10 May 2012 09:53:07 GMT

@delayedinsanity

Did you apply for Chase first, then Walmart instore?

I plan to app for both of these cards next month and wanted to know which order I should apply.

Congrats and as always Happy Crediting

Re: Okay, that was fun.

Anonymous — Thu, 10 May 2012 11:50:44 GMT

@RyVision wrote:
Congrats on the cards!

1k Wal\Discover and 3k with Chase out of the gate if you only had cap 1 with a 300CL for V\MC accounts was really good. The BoA Constrictor can be picky on recons though (just a heads up, they're no fun to talk to either really, I MIGHT rank it above a root canal, but not sure ).

If you try for a higher CL with Wal\Discover and they don't give one, I think you can always request one after the 4th statement (waiting after eery 4th statement like the store card I think).

Thank you for the heads up! I actually need some dental work done, might be a good time to kill two birds with one stone; BoA recon with a little whirring tool in the background? Maybe it'll stir up some sympathy from them, but I won't hold my breath!

Re: Okay, that was fun.

Anonymous — Thu, 10 May 2012 11:56:13 GMT

@Anonymous wrote:
@Anonymous

Did you apply for Chase first, then Walmart instore?

I plan to app for both of these cards next month and wanted to know which order I should apply.

Congrats and as always Happy Crediting

I actually did it in the order shown in my first post; the Walmart card was my second target, kind of a feel good number two because it was the only card I actually felt confident I would get. Chase came third and was mostly led on by the euphoria of being instantly approved for the first two. All apps were online, sitting in front of my laptop and peeking out from between my fingers every time I hit "submit".

As of right now, CAP ONE and GECRB/WALMRT have both already hit my TU. No other inqs showing up for the other bureaus (USAA monitoring).

Re: Okay, that was fun.

Anonymous — Thu, 10 May 2012 16:11:23 GMT

No luck with Capital One. I was basically told that I need to wait until the letter arrives with the reason why I was denied (as they can't see it) and to try them back at that time to see if the reason is one that can be worked around. I was then recommended to try for a secured card, at which point I said thank you but no thank you.

Tried calling the BoA app status line and was notified that I was denied on that front too. Letter in the mail. Should I bother trying to call them before the letter gets here, or wait?

Last but not least... about to try the Wal-mart recon. Worst thing they can do is reverse my approval, right?

Re: Okay, that was fun.

oracles — Thu, 10 May 2012 16:12:55 GMT

Definitely call B of A and do a recon.

Re: Okay, that was fun.

Anonymous — Thu, 10 May 2012 16:48:12 GMT

@oracles wrote:
Definitely call B of A and do a recon.

Will do. I just had a successful recon with Wal-Mart. I asked for 2, and they gave me 2.

Re: Okay, that was fun.

oracles — Thu, 10 May 2012 16:50:51 GMT

very nice congrats