topic Re: Holy crap. Just approved for Discover It card and a couple others. in Credit Cards

Holy crap. Just approved for Discover It card and a couple others.

Razeus — Mon, 27 Aug 2012 16:45:04 GMT

Don't know what got into me today, but I decided to app for a few "dream" cards, even though I was going to wait. But I applied at my top 3 places and got approved for all three:

Discover It Card: $10,000 CL (!!!!!!!!!!!!!!!!!!!)

Chase Freedom Card: $5000 (!!!!!!)

AMEX Zync: no predetermined limit (!!!!!)

Good bye to my low limit Capital One "Platinum" and Barclay Visa cards.

Today is a damn good day!

edit:

Approved for AMEX Blue Cash Everyday $1,000 CL (). I will CLI in 60 days.

Re: Holy crap. Just approved for Discover It card and a couple others.

Anonymous — Mon, 27 Aug 2012 15:45:45 GMT

Congrats! Enjoy your new cards!

Re: Holy crap. Just approved for Discover It card and a couple others.

Razeus — Mon, 27 Aug 2012 15:47:01 GMT

Ya, kind of makes me wish I went for the AMEX Blue Cash...

I guess I'll try for that one in a year.

Re: Holy crap. Just approved for Discover It card and a couple others.

Anonymous — Mon, 27 Aug 2012 15:55:07 GMT

Razeus, if you just apped today. Go back and app for bcp. Might even only get one hard inquiry for both card apps if you do it today.

Re: Holy crap. Just approved for Discover It card and a couple others.

Anonymous — Mon, 27 Aug 2012 15:55:45 GMT

Also, chill out after that. Don't be one of those no keep apping until they start getting rejections.

Re: Holy crap. Just approved for Discover It card and a couple others.

Razeus — Mon, 27 Aug 2012 16:02:58 GMT

Ya, I just did. It's going to go under review and the will let me know of the status. "In progress".

I'm done apping now. I've got all I could need at this time.

Re: Holy crap. Just approved for Discover It card and a couple others.

Anonymous — Mon, 27 Aug 2012 16:07:25 GMT

@Razeus wrote:
Ya, I just did. It's going to go under review and the will let me know of the status. "In progress".

I'm done apping now. I've got all I could need at this time.

Go check the application status online. Often get that message with 2nd app in one day.

https://www262.americanexpress.com/eaol/welcome.do

Oh if it shows in progress tomorrow, I would recommend calling in as it often means they need more info from you. Usually they want to do ID verification. They sometimes get weirded out from multiple apps with new customer. Is it identify fraud etc.?

Re: Holy crap. Just approved for Discover It card and a couple others.

Razeus — Mon, 27 Aug 2012 16:10:22 GMT

Ya, I checked the status. It shows in progress. I'll call them tomorrow if it still shows. I had to call in to Discover and basically do a ID check. Passed with flying colors.

Re: Holy crap. Just approved for Discover It card and a couple others.

Anonymous — Mon, 27 Aug 2012 16:12:56 GMT

@Razeus wrote:
Ya, I checked the status. It shows in progress. I'll call them tomorrow if it still shows. I had to call in to Discover and basically do a ID check. Passed with flying colors.

If you got ID check with Discover, might want to call into Amex now and see if it is ID check issue as well. 1-866-314-0237

Re: Holy crap. Just approved for Discover It card and a couple others.

Razeus — Mon, 27 Aug 2012 16:20:09 GMT

Done.

Approved, but only for $1,000. The rep said I can request an increase after 60 days. Good enough for me. I'll be calling back November 1. Thanks so much for your help.

Re: Holy crap. Just approved for Discover It card and a couple others.

Anonymous — Mon, 27 Aug 2012 16:24:23 GMT

@Razeus wrote:
Done.

Approved, but only for $1,000. The rep said I can request an increase after 60 days. Good enough for me. I'll be calling back November 1. Thanks so much for your help.

Congrats. Hate to say it, probably would have been higher if you had waited for other cards to report. However, you might have been rejected from the reduced credit score from lower AAoA, inquiries, # of new accounts, etc.

Here is positive thing. One you can earn bonuses right away. Amex CLI policy is great. in 61 days, ask for the full CLI to 3k. In 6 more months, ask for the full 3X to 9k.

Re: Holy crap. Just approved for Discover It card and a couple others.

Razeus — Mon, 27 Aug 2012 16:39:02 GMT

Thanks for the tips man. I'm not sweating the CL because frankly, I'M IN WITH AMERICAN EXPRESS, after years of trying. With 2 cards to boot! Yes, I'll be asking for CLI's every 60 days until I feel I'm at a good place, mostly likely $9-12k.

Now I just need to drop my "sub-prime" low limit cards. I may keep the Capital One since I've had that for over a decade, but I need to see what I can do about getting out of that lame annual fee. I may call them and see if they get me a different product...

Re: Holy crap. Just approved for Discover It card and a couple others.

SpiceIslander — Mon, 27 Aug 2012 16:42:42 GMT

Congratuations! Excellent limit from Discover.

Re: Holy crap. Just approved for Discover It card and a couple others.

Razeus — Mon, 27 Aug 2012 16:48:24 GMT

Thanks. Next year, I'm going for the Chase Sapphire Preferred.

Re: Holy crap. Just approved for Discover It card and a couple others.

gettnthere — Mon, 27 Aug 2012 17:05:00 GMT

Awesome! And Congrats. Do you know what your credit scores were? I was wondering what your highest credit limit was before you got all these new ones, if u don't mind sharing lol

Re: Holy crap. Just approved for Discover It card and a couple others.

Razeus — Mon, 27 Aug 2012 17:18:50 GMT

My highest was 696 via TU. Lowest was 650 at EX.

My highest limit is $1300 with CapOne.

Re: Holy crap. Just approved for Discover It card and a couple others.

webhopper — Mon, 27 Aug 2012 18:05:06 GMT

@Razeus wrote:
Thanks for the tips man. I'm not sweating the CL because frankly, I'M IN WITH AMERICAN EXPRESS, after years of trying. With 2 cards to boot! Yes, I'll be asking for CLI's every 60 days until I feel I'm at a good place, mostly likely $9-12k.

Now I just need to drop my "sub-prime" low limit cards. I may keep the Capital One since I've had that for over a decade, but I need to see what I can do about getting out of that lame annual fee. I may call them and see if they get me a different product...

Congratulations! Amex has good CLI policies so don't sweat it.

Nice limits on Discover and Chase Grats on Zync as well. Nice line up there buddy!

Re: Holy crap. Just approved for Discover It card and a couple others.

Anonymous — Mon, 27 Aug 2012 18:18:14 GMT

@Razeus wrote:
Thanks for the tips man. I'm not sweating the CL because frankly, I'M IN WITH AMERICAN EXPRESS, after years of trying. With 2 cards to boot! Yes, I'll be asking for CLI's every 60 days until I feel I'm at a good place, mostly likely $9-12k.

Now I just need to drop my "sub-prime" low limit cards. I may keep the Capital One since I've had that for over a decade, but I need to see what I can do about getting out of that lame annual fee. I may call them and see if they get me a different product...

Remember only first CLI is 61 days. Then it is 6 months after approval and 3 months after denial. But definitely take advantage of it. Never know when you will need that extra CL to help utilization.

Re: Holy crap. Just approved for Discover It card and a couple others.

Razeus — Mon, 27 Aug 2012 18:26:09 GMT

ahhh....got it.

Let me mark this on my calendar then.

Re: Holy crap. Just approved for Discover It card and a couple others.

Anonymous — Mon, 27 Aug 2012 18:31:29 GMT

@Razeus wrote:
My highest was 696 via TU. Lowest was 650 at EX.

My highest limit is $1300 with CapOne.

Are those FICO scores or FAKOs.