topic Re: Just did my very first app spree. Results are in! in Credit Cards

Just did my very first app spree. (Update on P.3)

isoldmyatlas — Sun, 07 Oct 2012 20:48:24 GMT

After getting my first scores last night, I went ahead and applied for Amex Green, Discover More, and the Chase Amazon Visa just now. Originally was going to wait until next month, but figured it wouldn't make a huge difference. Instant approval for the Green! Instant approval for Discover More! 30 day message for Chase. I felt confident about being approved for the Green and More, but was more unsure about the Amazon card so no surprises there. Should I call a backdoor number on Monday? If so, which do you recommend using? I know lots of folks here have recon'd with Chase.

I'm not sure what sort of CL Discover approved me for but on the preferences section it asked me if I wanted an alert when my balance reaches $2700. So I'm guessing $3000?

I'm very happy. Getting the Amazon card too would be nice but the Green and More were definitely more important to me!

Re: Just did my very first app spree. Results are in!

Shogun — Sun, 07 Oct 2012 02:25:07 GMT

Congrats on your spree! Absolutely call the backdoor, why wait a month?

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 02:27:49 GMT

I just called the automated app status line and now it says 7-10 days. I'll try a backdoor number after work on Monday! Maybe I can finagle a teensy credit limit out of them.

Re: Just did my very first app spree. Results are in!

Shogun — Sun, 07 Oct 2012 02:28:46 GMT

Update and let us know. Good Luck!

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 02:32:05 GMT

Checked the backdoor numbers thread to see if there was an app status line for Discover so I could find out my limit, but I don't see one. I'll just wait for the letter

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 02:41:38 GMT

Nevermind, I googled like a smart person. $3000 from Discover! Wow!

Re: Just did my very first app spree. Results are in!

Anonymous — Sun, 07 Oct 2012 02:56:42 GMT

Congrats on the cards, CL, and I would definitely call on Monday!

Re: Just did my very first app spree. Results are in!

migliogiorni — Sun, 07 Oct 2012 03:19:49 GMT

Nice Starting CL with Discover.

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 03:30:48 GMT

I know! I honestly figured my limit would be around $1000, maybe $1500 max. And I would have been totally OK with that. $3000 was a shock! I was under the impression Discover was pretty conservative with starting limits. I guess they really want me to put away my Cap1

Re: Just did my very first app spree. Results are in!

Anonymous — Sun, 07 Oct 2012 03:44:51 GMT

Congrats on the approvals.

From my experience:
30 Days - Denial
7-10 Days - Approval possibly pending verification

Definitely call in when you can!

Re: Just did my very first app spree. Results are in!

Tran92 — Sun, 07 Oct 2012 09:38:52 GMT

Congrats! Very nice starting credit limit.

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 10:29:29 GMT

I just remembered Monday is a holiday! I guess I will have to wait until Tuesday to call them.

Re: Just did my very first app spree. Results are in!

Anonymous — Sun, 07 Oct 2012 12:36:04 GMT

Congrats!! Good for you Great starting CL with Discover

Re: Just did my very first app spree. Results are in!

shakalaka — Sun, 07 Oct 2012 12:47:10 GMT

Well yeah, the limit for Dicsover is really nice. Mind sharing your income with us?

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 12:59:48 GMT

Between 30 and 40k. But 2 things I have going for me are that I have no debt or loans whatsoever, and my rent is only 15% of my income, so I'm low risk in that sense.

Re: Just did my very first app spree. Results are in!

shakalaka — Sun, 07 Oct 2012 13:06:04 GMT

I will never understand the underwriting. I have one months more history and more then double your income and did get half of your limit. Okay I had more Inq on me EQ due to joining my credit union.

Nevertheless, let us do some happydance and party to be in prime land they will grow with us for sure.

Re: Just did my very first app spree. Results are in!

Anonymous — Sun, 07 Oct 2012 13:15:31 GMT

Congrats on your spree outcome! Nice starting limit with discover!!!

Re: Just did my very first app spree. Results are in!

isoldmyatlas — Sun, 07 Oct 2012 13:24:13 GMT

Yeah, I had no inqs on my EQ and I think that's the one they checked since they haven't shown up on my TU report yet. Very excited to have a couple of prime cards at this point in the game!

Re: Just did my very first app spree. Results are in!

shakalaka — Sun, 07 Oct 2012 13:44:26 GMT

Yes looking forward to my first pre app in the mail ... which is not from CapOne or even worse CreditOne

Re: Just did my very first app spree. Results are in!

rtw — Sun, 07 Oct 2012 17:13:16 GMT

You may want to call today. I was able to recon with Chase on a Sunday.