topic Re: App Spree... in Credit Cards

App Spree...

Anonymous — Mon, 28 Jan 2013 16:05:11 GMT

Ok so heres the deal, went to go buy myself a new MacBook Pro with Retina at BestBuy on saturday, and when I got there the gentleman asked if I wanted to apply for the 0% financing. I was not planning on applying but I was paying about 2500 for the computer so I figured why not.

I was approved for $1000, 0% store card for first 18 months.

After apping for that I figured why not throw a couple more out there, apped for Capital One, approved for $300 limit (this sucks!). Apped for Discover IT, was approved but I do not know the limit as of yet, (will update!). Lastly I apped for Wal-Mart CC so I can utilize the free tansunion report once a month, they gave me the good old 7-10 business day response, I think the message said something about verification, so I will update on this as well.

Scores for Tansunion and Equifax were floating around 630-640 (only reason they are so low is mix up about student loan repayment caused 90 lates on 2 separate accounts, OUCH!) last I checked, not sure about experian. AAoA is around 1 year 6 months. Income is around 30k. Currently have 2 credit cards, one with Credit One (at time of application thought it was Capital One lol how wrong I was) limit of 400, and NASA FCU Visa Platinum Secured Card for $500.

I will be calling for credit limit increases on the 3 cards approved so far. Didnt plan on apping for anything else, but any suggestions are welcome! Additonally I work at NASAFCU so any questions about lending/CCs or anything for them I can generally answer.

Re: App Spree...

injustifiiable — Mon, 28 Jan 2013 16:10:35 GMT

Congrats!

Re: App Spree...

CreditWorld2013 — Mon, 28 Jan 2013 16:27:00 GMT

Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked Therfore, I recommend you go into the garden at once and hope that when these new accounts start reporting the bear doesn't eat you

Edit: Lack of sleep + Assumption = Disregard Barclay comment and continue the happy dance.

Re: App Spree...

ninjamike81 — Mon, 28 Jan 2013 16:12:25 GMT

congrats on the approvals

Re: App Spree...

injustifiiable — Mon, 28 Jan 2013 16:22:09 GMT

@CreditWorld2013 wrote:
Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked Therfore, I recommend you go into the garden at once and hope that when these new accounts start reporting the bear doesn't eat you

Best Buy's financing is backed by Capital One. No Barclay's AA bear to worry about!

Re: App Spree...

CreditWorld2013 — Mon, 28 Jan 2013 16:27:50 GMT

@injustifiiable wrote:
@CreditWorld2013 wrote:
Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked Therfore, I recommend you go into the garden at once and hope that when these new accounts start reporting the bear doesn't eat you
Best Buy's financing is backed by Capital One. No Barclay's AA bear to worry about!

Silly me- I need some sleep! I just assumed that 18 Month 0% financing offer was the one that Barclay's Offers

Re: App Spree...

Anonymous — Mon, 28 Jan 2013 16:25:55 GMT

@injustifiiable wrote:
@CreditWorld2013 wrote:
Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked Therfore, I recommend you go into the garden at once and hope that when these new accounts start reporting the bear doesn't eat you
Best Buy's financing is backed by Capital One. No Barclay's AA bear to worry about!

Ahhhh, maybe thats why the approval for Capital One was for only 300.. thanks on the Congratz guys!

Re: App Spree...

WallyxD — Mon, 28 Jan 2013 16:28:16 GMT

@Anonymous wrote:
Ok so heres the deal, went to go buy myself a new MacBook Pro with Retina at BestBuy on saturday, and when I got there the gentleman asked if I wanted to apply for the 0% financing. I was not planning on applying but I was paying about 2500 for the computer so I figured why not.

I was approved for $1000, 0% store card for first 18 months.

After apping for that I figured why not throw a couple more out there, apped for Capital One, approved for $300 limit (this sucks!). Apped for Discover IT, was approved but I do not know the limit as of yet, (will update!). Lastly I apped for Wal-Mart CC so I can utilize the free tansunion report once a month, they gave me the good old 7-10 business day response, I think the message said something about verification, so I will update on this as well.

Scores for Tansunion and Equifax were floating around 630-640 (only reason they are so low is mix up about student loan repayment caused 90 lates on 2 separate accounts, OUCH!) last I checked, not sure about experian. AAoA is around 1 year 6 months. Income is around 30k. Currently have 2 credit cards, one with Credit One (at time of application thought it was Capital One lol how wrong I was) limit of 400, and NASA FCU Visa Platinum Secured Card for $500.

I will be calling for credit limit increases on the 3 cards approved so far. Didnt plan on apping for anything else, but any suggestions are welcome! Additonally I work at NASAFCU so any questions about lending/CCs or anything for them I can generally answer.

Did you app for Discover It for Students? If so, what was your AI?

Re: App Spree...

CreditWorld2013 — Mon, 28 Jan 2013 16:29:56 GMT

Have you contacted Discover to find out the Credit Line?

Re: App Spree...

Anonymous — Mon, 28 Jan 2013 16:33:26 GMT

@WallyxD wrote:
@Anonymous wrote:
Ok so heres the deal, went to go buy myself a new MacBook Pro with Retina at BestBuy on saturday, and when I got there the gentleman asked if I wanted to apply for the 0% financing. I was not planning on applying but I was paying about 2500 for the computer so I figured why not.

I was approved for $1000, 0% store card for first 18 months.

After apping for that I figured why not throw a couple more out there, apped for Capital One, approved for $300 limit (this sucks!). Apped for Discover IT, was approved but I do not know the limit as of yet, (will update!). Lastly I apped for Wal-Mart CC so I can utilize the free tansunion report once a month, they gave me the good old 7-10 business day response, I think the message said something about verification, so I will update on this as well.

Scores for Tansunion and Equifax were floating around 630-640 (only reason they are so low is mix up about student loan repayment caused 90 lates on 2 separate accounts, OUCH!) last I checked, not sure about experian. AAoA is around 1 year 6 months. Income is around 30k. Currently have 2 credit cards, one with Credit One (at time of application thought it was Capital One lol how wrong I was) limit of 400, and NASA FCU Visa Platinum Secured Card for $500.

I will be calling for credit limit increases on the 3 cards approved so far. Didnt plan on apping for anything else, but any suggestions are welcome! Additonally I work at NASAFCU so any questions about lending/CCs or anything for them I can generally answer.
Did you app for Discover It for Students? If so, what was your AI?

Well not 100% sure but nowhere on the application did I put I was a student, although I currently am a fulltime student and fulltime employment. So pretty sure it was the regular one.

Re: App Spree...

injustifiiable — Mon, 28 Jan 2013 16:33:20 GMT

@Anonymous wrote:
@injustifiiable wrote:
@CreditWorld2013 wrote:
Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked Therfore, I recommend you go into the garden at once and hope that when these new accounts start reporting the bear doesn't eat you
Best Buy's financing is backed by Capital One. No Barclay's AA bear to worry about!
Ahhhh, maybe thats why the approval for Capital One was for only 300.. thanks on the Congratz guys!

Maybe, but I doubt it. It's weird though. Which Cap One card did you apply for???

Re: App Spree...

Anonymous — Mon, 28 Jan 2013 16:37:19 GMT

@injustifiiable wrote:
@Anonymous wrote:
@injustifiiable wrote:
@CreditWorld2013 wrote:
Congrats on the approvals! However, the Barclay AA bear doesn't like getting poked Therfore, I recommend you go into the garden at once and hope that when these new accounts start reporting the bear doesn't eat you
Best Buy's financing is backed by Capital One. No Barclay's AA bear to worry about!
Ahhhh, maybe thats why the approval for Capital One was for only 300.. thanks on the Congratz guys!
Maybe, but I doubt it. It's weird though. Which Cap One card did you apply for???

Im pretty sure its Capital One Cash Card (Visa), because I selected the one with no annual fee at first and the other cash card (mastercard) has an annual fee, but I may be wrong here.

Re: App Spree...

Anonymous — Mon, 28 Jan 2013 18:30:50 GMT

Ok so update on the Discover IT card, I was approved for a $1200 limit, and it is the regular discover IT not the student version. I was approved for 18 month 0% balance transfers, and 0% 6 month regular financing.

Re: App Spree...

shakalaka — Mon, 28 Jan 2013 18:33:19 GMT

Congrats on your success

Re: App Spree...

injustifiiable — Mon, 28 Jan 2013 18:52:57 GMT

@Anonymous wrote:
Ok so update on the Discover IT card, I was approved for a $1200 limit, and it is the regular discover IT not the student version. I was approved for 18 month 0% balance transfers, and 0% 6 month regular financing.

Nice! Discover IT is on my radar once my last two negs start falling off this year. Did you have negs on your report when you were approved?

Re: App Spree...

Anonymous — Mon, 28 Jan 2013 19:16:49 GMT

@Anonymous wrote:
Ok so update on the Discover IT card, I was approved for a $1200 limit, and it is the regular discover IT not the student version. I was approved for 18 month 0% balance transfers, and 0% 6 month regular financing.

That's very good... congrats!

Re: App Spree...

rtw — Mon, 28 Jan 2013 19:47:23 GMT

Congrats!

Re: App Spree...

Anonymous — Mon, 28 Jan 2013 19:54:04 GMT

@injustifiiable wrote:
@Anonymous wrote:
Ok so update on the Discover IT card, I was approved for a $1200 limit, and it is the regular discover IT not the student version. I was approved for 18 month 0% balance transfers, and 0% 6 month regular financing.
Nice! Discover IT is on my radar once my last two negs start falling off this year. Did you have negs on your report when you were approved?

I currently have 1 paid judgement, and 2 90 lates from over 2 years ago. The lates are on student loans from a miscommunication with lender about when I took a break from college, and judgement will soon be vacated (from last year january), but both should still be reporting, and I got the card anyway!

Re: App Spree...

Anonymous — Mon, 28 Jan 2013 19:54:53 GMT

@Anonymous wrote:
@Anonymous wrote:
Ok so update on the Discover IT card, I was approved for a $1200 limit, and it is the regular discover IT not the student version. I was approved for 18 month 0% balance transfers, and 0% 6 month regular financing.
That's very good... congrats!

Thanks everyone! Time to garden for a whileeeeeeeee.

Re: App Spree...

Epcot — Tue, 29 Jan 2013 04:37:58 GMT

Nice going with the approvals! Glad to see the Discover IT card was worth it!