topic Re: Approval Odds AMEX and Citi in Credit Cards

Approval Odds AMEX and Citi

Rackham94 — Tue, 02 Apr 2013 02:34:34 GMT

AAoA 0.9 years

Student Loan 6k deferred status until 2017

On time payment history no baddies

11 inquiries (a couple unauthorized)

Scores in sig are updated as of today. Applied for Discover It Students (500+intro offer) and Chase Freedom (1.5k+intro offer) approved for both.

Currently reporting are

GE/American Eagle $700cl hit love button last night and got inc to 1000

Cap1 Journey $500cl

Great lakes stafford loan

6.3k a couple payments on it paying off interest.

odds at AMEX Delta Gold and Citi (any non-student version)

Applied for AMEX Blue Sky instant deny called this morning for recon request status is now In Progress.

p.s YOU GUYS ROCK

Re: Approval Odds AMEX and Citi

Anonymous — Tue, 02 Apr 2013 02:43:58 GMT

Sorry not to good.Need to be above 725 fico on Equifax and Transunion

Great lakes stafford loan

6.3k a couple payments on it paying off interest. Is a major barrier

Re: Approval Odds AMEX and Citi

09Lexie — Tue, 02 Apr 2013 02:43:10 GMT

Again, stranger things have happened with Amex but I would have waited until your new cards reported for 6 mos. Citi, did you apply for the Forward?

Re: Approval Odds AMEX and Citi

Rackham94 — Tue, 02 Apr 2013 02:45:28 GMT

@Anonymous wrote:
Sorry not to good.Need to be above 725 fico on Equifax and Transunion
Great lakes stafford loan
6.3k a couple payments on it paying off interest. Is a major barrier

Even if it is In School status? I do not think it even reports payments lol all reports say Paid as Agreed for the loan

Re: Approval Odds AMEX and Citi

Rackham94 — Tue, 02 Apr 2013 02:47:45 GMT

@09Lexie wrote:
Again, stranger things have happened with Amex but I would have waited until your new cards reported for 6 mos. Citi, did you apply for the Forward?

Just want to rack up what I can before I stop all app.ing but then again I do have Discover and Chase cashback cards would of been nice to add a travel/entertainment/Thank You or Preffered card in the mix before my score takes a plunge for the Gold next month... :-\

Re: Approval Odds AMEX and Citi

09Lexie — Tue, 02 Apr 2013 02:49:16 GMT

Citi Forward is a good student card. Recons are not easy with them though.

Re: Approval Odds AMEX and Citi

Rackham94 — Tue, 02 Apr 2013 02:51:36 GMT

@09Lexie wrote:
Citi Forward is a good student card. Recons are not easy with them though.

Lol don't know if I should risk the HP what would CL from them look like

Re: Approval Odds AMEX and Citi

09Lexie — Tue, 02 Apr 2013 02:52:31 GMT

Hard to say but IMO, I would stop while you are ahead. 😉

Re: Approval Odds AMEX and Citi

Rackham94 — Tue, 02 Apr 2013 02:54:25 GMT

@09Lexie wrote:
Hard to say but IMO, I would stop while you are ahead. 😉

@Anonymous sucks my Discover is @ 500... Chase will be used so much it is not even funny lol.

Re: Approval Odds AMEX and Citi

09Lexie — Tue, 02 Apr 2013 02:59:18 GMT

Your 6 mos will go by fast!

Re: Approval Odds AMEX and Citi

Anonymous — Tue, 02 Apr 2013 03:01:50 GMT

Talk to him Lexie.lol

Re: Approval Odds AMEX and Citi

myjourney — Tue, 02 Apr 2013 03:05:45 GMT

09Lexie gave you great advice I agree No more apps 6 months good history and go for the card that best fits your needs

Re: Approval Odds AMEX and Citi

09Lexie — Tue, 02 Apr 2013 03:06:23 GMT

Just sayin...building credit takes time and patience.

Re: Approval Odds AMEX and Citi

Anonymous — Tue, 02 Apr 2013 03:08:39 GMT

Re: Approval Odds AMEX and Citi

Rackham94 — Tue, 02 Apr 2013 03:08:51 GMT

@09Lexie wrote:
Just sayin...building credit takes time and patience.

Thanks a bunch I appreciate your help and insightful replies! What was your first card btw?

Re: Approval Odds AMEX and Citi

Anonymous — Tue, 02 Apr 2013 03:11:03 GMT

Rackham you will be just fine

Time is killing us but if we wait we kill time

Re: Approval Odds AMEX and Citi

dodfire — Tue, 02 Apr 2013 03:12:08 GMT

Yes, be patient....it is hard..for all of us!!!

Re: Approval Odds AMEX and Citi

09Lexie — Tue, 02 Apr 2013 03:12:56 GMT

JCPenney with a $400 CL was my first card.

Re: Approval Odds AMEX and Citi

Rackham94 — Tue, 02 Apr 2013 03:13:08 GMT

@Anonymous wrote:
Rackham you will be just fine
Time is killing us but if we wait we kill time

Haha! I really did not have a problem with my cards until I saw a commercial for Discover It and realized all CCs reported less than 7% util and had the bright idea to App first one since Sept 2012... (( haha. Nice wallet btw one day I'll be there !

Re: Approval Odds AMEX and Citi

Anonymous — Tue, 02 Apr 2013 03:24:29 GMT

@Rackham94 wrote:
@Anonymous wrote:
Rackham you will be just fine
Time is killing us but if we wait we kill time
Haha! I really did not have a problem with my cards until I saw a commercial for Discover It and realized all CCs reported less than 7% util and had the bright idea to App first one since Sept 2012... (( haha. Nice wallet btw one day I'll be there !

I know You will as long as u listen to the forum wisdom u will be fine

Ps that portfolio is 4yrs of strategic work and i am confident on your ability to do just that my man.