topic Re: Miniature App Spree - How did I do? in Credit Cards

Miniature App Spree - How did I do?

ali5541 — Sat, 02 Mar 2013 22:31:05 GMT

Even though I still don't think I am in PrimeVille, I was hoping to get some opinions.

I went on a miniature app spree and for once, it was actually fruitful.

I app'ed for the Amazon.com store card and instantly approved for $900, I called GE directly and asked them to increase it! Suprisingly, they did, $1,500.

I called up Chase and requsted a CL on my Freedom. Asked them for an additional 2K, denied. Spoke with an analyst and BAM! Approved, now standing at $6.5K (Third increase in under a year; 2K initial limit, 500 auto, 2K newest request)

Finally, I app'ed for the Discover IT. I have been wanting to get in with Discover for ages and I didn't hold my breath on an approval. Suprisingly, they offered me a counter offer. 3.99% for 6 months than 22.99. Did anyone get a counter offer from Discover? What was the limit? I still don't know mine.

Here is a little background on my profile:

Closed Cap1 Secured 1/2013 (Opened 1/2011)

Cap1 MTV $2K (Opened 6/2011)

BBY Store Card $3.1K (Joint, I'm Primary) (Opened 7/2011)

Chase Freedom $6.5K (Opened 3/2012)

Closed AMEX Zync PSL 1/2012 (Opened 08/2012)

Amazon.com Chase Visa $1.5K (Opened 1/2013)

No baddies, 3 year credit profile. Util always hovering around 30%

Inquires - Don't ask....tooo many

Future - I really really want the AMEX BCP and CSP but right now, LOL!!!

Re: Miniature App Spree - How did I do?

Anonymous — Sat, 02 Mar 2013 23:47:11 GMT

Wow, congrats! Nice work on the Chase CL especially, I know they can be sticklers !

Re: Miniature App Spree - How did I do?

Epcot — Sat, 02 Mar 2013 23:50:37 GMT

That's a nice spree, Congrats!

Re: Miniature App Spree - How did I do?

FinStar — Sun, 03 Mar 2013 00:31:46 GMT

@ali5541 wrote:
Even though I still don't think I am in PrimeVille, I was hoping to get some opinions.

I went on a miniature app spree and for once, it was actually fruitful.

I app'ed for the Amazon.com store card and instantly approved for $900, I called GE directly and asked them to increase it! Suprisingly, they did, $1,500.
I called up Chase and requsted a CL on my Freedom. Asked them for an additional 2K, denied. Spoke with an analyst and BAM! Approved, now standing at $6.5K (Third increase in under a year; 2K initial limit, 500 auto, 2K newest request)

Finally, I app'ed for the Discover IT. I have been wanting to get in with Discover for ages and I didn't hold my breath on an approval. Suprisingly, they offered me a counter offer. 3.99% for 6 months than 22.99. Did anyone get a counter offer from Discover? What was the limit? I still don't know mine.

Here is a little background on my profile:

Closed Cap1 Secured 1/2013 (Opened 1/2011)
Cap1 MTV $2K (Opened 6/2011)
BBY Store Card $3.1K (Joint, I'm Primary) (Opened 7/2011)
Chase Freedom $6.5K (Opened 3/2012)
Closed AMEX Zync PSL 1/2012 (Opened 08/2012)
Amazon.com Chase Visa $1.5K (Opened 1/2013)

No baddies, 3 year credit profile. Util always hovering around 30%
Inquires - Don't ask....tooo many

Future - I really really want the AMEX BCP and CSP but right now, LOL!!!

You have now your foot in the door with the Discover family, which is commendable. Initial limits can be anywhere from $500 to $1K (depending on the credit decision). You can always contact Discover to find out your initial credit limit. Treat all your new fruitful accomplishments with great discipline. For now gardening is your best strategy for future growth considering the number of inquiries and new credit.

An item to keep in mind with Discover, accounts can be elegible for a CLI after 6 months or so (SP or HP depending on account elegibility). After 12 months of card membership you can request your account to be reviewed for a lower APR.

Re: Miniature App Spree - How did I do?

thom02099 — Sun, 03 Mar 2013 01:09:05 GMT

@ali5541 wrote:
Even though I still don't think I am in PrimeVille, I was hoping to get some opinions.

I went on a miniature app spree and for once, it was actually fruitful.

I app'ed for the Amazon.com store card and instantly approved for $900, I called GE directly and asked them to increase it! Suprisingly, they did, $1,500.
I called up Chase and requsted a CL on my Freedom. Asked them for an additional 2K, denied. Spoke with an analyst and BAM! Approved, now standing at $6.5K (Third increase in under a year; 2K initial limit, 500 auto, 2K newest request)

Finally, I app'ed for the Discover IT. I have been wanting to get in with Discover for ages and I didn't hold my breath on an approval. Suprisingly, they offered me a counter offer. 3.99% for 6 months than 22.99. Did anyone get a counter offer from Discover? What was the limit? I still don't know mine.

Here is a little background on my profile:

Closed Cap1 Secured 1/2013 (Opened 1/2011)
Cap1 MTV $2K (Opened 6/2011)
BBY Store Card $3.1K (Joint, I'm Primary) (Opened 7/2011)
Chase Freedom $6.5K (Opened 3/2012)
Closed AMEX Zync PSL 1/2012 (Opened 08/2012)
Amazon.com Chase Visa $1.5K (Opened 1/2013)

No baddies, 3 year credit profile. Util always hovering around 30%
Inquires - Don't ask....tooo many

Future - I really really want the AMEX BCP and CSP but right now, LOL!!!

Congrats on the results of your "mini", pretty darned good results! Let it garden for a while and see where you go from here.

ONWARD AND UPWARD !!

Re: Miniature App Spree - How did I do?

ali5541 — Sun, 03 Mar 2013 16:57:36 GMT

Thanks guys! I am so happy that I am finally in with Discover. Also, I did call yesterday, they gave me a 1K limit. But hey, I'm not complaining, I'd take what I can get from them at this point. Out of my 13ish inquries during the last year, 5 of them belong to them. xD

severine, people say that all the time about Chase. They have treated me very well. Two cards from them and a growing Freedom card.

Re: Miniature App Spree - How did I do?

dodfire — Sun, 03 Mar 2013 17:01:42 GMT

Very Nice!!! Congrats!!!!

Re: Miniature App Spree - How did I do?

thom02099 — Sun, 03 Mar 2013 17:43:05 GMT

@ali5541 wrote:
Thanks guys! I am so happy that I am finally in with Discover. Also, I did call yesterday, they gave me a 1K limit. But hey, I'm not complaining, I'd take what I can get from them at this point. Out of my 13ish inquries during the last year, 5 of them belong to them. xD

severine, people say that all the time about Chase. They have treated me very well. Two cards from them and a growing Freedom card.

GREAT attitude! Having a Discover with a $1k limit is better than not having a Discover at all but wanting it! It WILL grow.

ONWARD AND UPWARD !

Re: Miniature App Spree - How did I do?

rtw — Sun, 03 Mar 2013 17:50:42 GMT

Congrats!

Re: Miniature App Spree - How did I do?

Open123 — Sun, 03 Mar 2013 17:55:48 GMT

Good going!

The Freedom, Amzn, and Discover are excellent TLs. Those 3 definitely makes the spree worthwhile, especially since they're no fee cards that you'll never have to contemplate cancelling.

Re: Miniature App Spree - How did I do?

webhopper — Sun, 03 Mar 2013 17:57:21 GMT

@ali5541 wrote:
Even though I still don't think I am in PrimeVille, I was hoping to get some opinions.

I went on a miniature app spree and for once, it was actually fruitful.

I app'ed for the Amazon.com store card and instantly approved for $900, I called GE directly and asked them to increase it! Suprisingly, they did, $1,500.
I called up Chase and requsted a CL on my Freedom. Asked them for an additional 2K, denied. Spoke with an analyst and BAM! Approved, now standing at $6.5K (Third increase in under a year; 2K initial limit, 500 auto, 2K newest request)

Finally, I app'ed for the Discover IT. I have been wanting to get in with Discover for ages and I didn't hold my breath on an approval. Suprisingly, they offered me a counter offer. 3.99% for 6 months than 22.99. Did anyone get a counter offer from Discover? What was the limit? I still don't know mine.

Here is a little background on my profile:

Closed Cap1 Secured 1/2013 (Opened 1/2011)
Cap1 MTV $2K (Opened 6/2011)
BBY Store Card $3.1K (Joint, I'm Primary) (Opened 7/2011)
Chase Freedom $6.5K (Opened 3/2012)
Closed AMEX Zync PSL 1/2012 (Opened 08/2012)
Amazon.com Chase Visa $1.5K (Opened 1/2013)

No baddies, 3 year credit profile. Util always hovering around 30%
Inquires - Don't ask....tooo many

Future - I really really want the AMEX BCP and CSP but right now, LOL!!!

Congrats on the increases! And congrats on Discover!

Did Chase do HP for the Freedom Increase?

Re: Miniature App Spree - How did I do?

Anonymous — Sun, 03 Mar 2013 19:06:21 GMT

Congrats! That is a great CLI on the Freedom!

Re: Miniature App Spree - How did I do?

09Lexie — Sun, 03 Mar 2013 19:08:20 GMT

Congrats. You did well!

Re: Miniature App Spree - How did I do?

BrokaToe — Sun, 03 Mar 2013 23:09:01 GMT

CONGRATS!!! Excellent job, I love hearing things like this. You're going to love Discover!

Re: Miniature App Spree - How did I do?

LS2982 — Sun, 03 Mar 2013 23:39:33 GMT

CONGRATS!!!

I'm also interested in knowing if Chase did a HP for your increase!!!

Re: Miniature App Spree - How did I do?

Anonymous — Mon, 04 Mar 2013 00:02:39 GMT

@Anonymous wrote:
Wow, congrats! Nice work on the Chase CL especially, I know they can be sticklers !

+1 Especially since Chase recon is notoriously rough on inquiry heavy appliacations. Thats a awesome job!

Congrats!!

Re: Miniature App Spree - How did I do?

LS2982 — Mon, 04 Mar 2013 00:05:55 GMT

@Anonymous wrote:
@Anonymous wrote:
Wow, congrats! Nice work on the Chase CL especially, I know they can be sticklers !
+1 Especially since Chase recon is notoriously rough on inquiry heavy appliacations. Thats a awesome job!

Congrats!!

This is true, they denied me on my 1st try with them on the freedom because of INQ's.

Re: Miniature App Spree - How did I do?

ali5541 — Mon, 04 Mar 2013 02:00:25 GMT

Haha, thanks everyone. The advice on this forum is amazing.

Also, no notification from MyFICO and Citi Credit Monitoring yet from a Chase HP. I did get a notification for the Discover and Amazon/GE HPs. I am guessing that is a no HP from Chase. Is that unusual?

Re: Miniature App Spree - How did I do?

ilovelisa — Mon, 04 Mar 2013 03:13:58 GMT

@ali5541 wrote:
Even though I still don't think I am in PrimeVille, I was hoping to get some opinions.

I went on a miniature app spree and for once, it was actually fruitful.

I app'ed for the Amazon.com store card and instantly approved for $900, I called GE directly and asked them to increase it! Suprisingly, they did, $1,500.
I called up Chase and requsted a CL on my Freedom. Asked them for an additional 2K, denied. Spoke with an analyst and BAM! Approved, now standing at $6.5K (Third increase in under a year; 2K initial limit, 500 auto, 2K newest request)

Finally, I app'ed for the Discover IT. I have been wanting to get in with Discover for ages and I didn't hold my breath on an approval. Suprisingly, they offered me a counter offer. 3.99% for 6 months than 22.99. Did anyone get a counter offer from Discover? What was the limit? I still don't know mine.

Here is a little background on my profile:

Closed Cap1 Secured 1/2013 (Opened 1/2011)
Cap1 MTV $2K (Opened 6/2011)
BBY Store Card $3.1K (Joint, I'm Primary) (Opened 7/2011)
Chase Freedom $6.5K (Opened 3/2012)
Closed AMEX Zync PSL 1/2012 (Opened 08/2012)
Amazon.com Chase Visa $1.5K (Opened 1/2013)

No baddies, 3 year credit profile. Util always hovering around 30%
Inquires - Don't ask....tooo many

Future - I really really want the AMEX BCP and CSP but right now, LOL!!!

With Discover, I applied online, the website told me to call in for an instant decision, i did, got the exact same counter offer, and got a $1000 limit.

Re: Miniature App Spree - How did I do?

Anonymous — Mon, 04 Mar 2013 07:44:58 GMT

Chase's inquiry was reported after 2 days with my credit monitoring system.