topic Re: Mini App Spree in Credit Cards

Mini App Spree

hammertime — Sat, 12 May 2012 12:42:35 GMT

Denied CITI Thank You Premier. Reason too many inquiries (2), too much available credit for income. Available credit $165K, income about 140k. UTIL around 15%. EQ FICO 712
Approved AMEX BCP $11,500 EXP FICO 722
Approved JP Morgan Chase Select 5K EQ FICO 712. Wanted it for hidden CL and rental car coverage.
CLI 8K to 10K BBVA Compass Visa, pulled TU, FICO 742
CLI 4k to 7.5k Home Depot, HP EQ asked for 7.5k
CLI USAA Mcard 8K to 14K HP EQ
CLI AMEX Simply Cash Biz 3k to 8k. Only requested 8k

Time to garden now.

Re: Mini App Spree

UFGuy2006 — Sat, 12 May 2012 20:02:45 GMT

Congrats!!

Re: Mini App Spree

boomhower — Sat, 12 May 2012 20:15:41 GMT

Congrats, nice run. I've given up on Citi. They have gotten to be more querky than Amex.

Re: Mini App Spree

honky — Sat, 12 May 2012 20:21:54 GMT

I wish my experience was that citi is more querky.. I can't get Amex, but Citi was instant!

Nice cli--I am surprised that Citi would worry about your available credit with an income that high and util that low.

Re: Mini App Spree

Anonymous — Sat, 12 May 2012 20:48:49 GMT

how recent were the 2 inquiries?

Re: Mini App Spree

Anonymous — Sun, 13 May 2012 02:56:19 GMT

Wow nice available credit. I am up to 73,000 right now. I owe about 68k left on my mortgage. Lets see, if i play the zero percent balance transfer offers and keep it rotating from one card to the next...on the other hand never mind.

Re: Mini App Spree

hammertime — Sun, 13 May 2012 13:28:07 GMT

Started with "0" inquiries. I think 1 was the day before applying for Citi and the other the same day.