topic Re: Post closing app spree in Credit Cards

Post closing app spree

Genkeim — Mon, 26 Aug 2013 13:34:57 GMT

Taking the advice of Lexie and Journey I set out to apply for

Lowes

NFCU membership + nRewards + NavChek (if approved for nRewards)

Discover IT

and here are the results drum roll.....

Lowes - denied. Called recon said it was a flat deny from the automated system and they can't override. No details on why other than credit report related

NFCU account opened, nRewards: Approved $500. Waiting on results of nRewards before trying for NavChek

Discover IT - Approved $800, tried recon, said $800 was max they can approve, but call back in 3 months and ask again.

Since Lowes didn't work out I decided to give Wal-Mart a try

Wal-Mart - Approved $400, recon unsuccessful here also.

So over all I'm a bit disappointed the Lowes didn't work out but I went from a $400 sec CapOne to adding a $800 Disc IT and $400 Wal-mart.

Now I'm in the garden til Apr when my BK falls off and hopefully be able to get an Amex (for backdating to early 90s) and/or Chase

Thanks for all the advice and tips I've read on here!!!

Re: Post closing app spree

09Lexie — Fri, 23 Aug 2013 22:50:38 GMT

@Genkeim wrote:
Taking the advice of Lexie and Journey I set out to apply for

Lowes
NFCU membership + nRewards + NavChek (if approved for nRewards)
Discover IT

and here are the results drum roll.....

Lowes - denied. Called recon said it was a flat deny from the automated system and they can't override. No details on why other than credit report related
NFCU account opened, nRewards: 3-5 day wait. Received msg that decision will be in 1 business day. Waiting on results of nRewards before trying for NavChek
Discover IT - Approved $800, tried recon, said $800 was max they can approve, but call back in 3 months and ask again.

Since Lowes didn't work out I decided to give Wal-Mart a try

Wal-Mart - Approved $400, recon unsuccessful here also.

So over all I'm a bit disappointed the Lowes didn't work out but I went from a $400 sec CapOne to adding a $800 Disc IT and $400 Wal-mart.

Now I'm in the garden til Apr when my BK falls off and hopefully be able to get an Amex (for backdating to early 90s) and/or Chase

Thanks for all the advice and tips I've read on here!!!

Congrats on your closing and approvals! Not sure what happened with Lowes but at least Walmart will grow with you. I'm pretty confident about NFCU, they tend to be forgiving for past derogs.

By the way, my DH's Walmart started at $400 in March, using it 1x and not requesting a cli- it's not $850. He refuses to call and ask for more

Re: Post closing app spree

Genkeim — Fri, 23 Aug 2013 23:06:09 GMT

Soon as NFCU gives me an answer and I apply for NavChek or not I'll be over in the garden!

Thanks again for your advice!

Re: Post closing app spree

09Lexie — Fri, 23 Aug 2013 23:07:21 GMT

@Genkeim wrote:
Soon as NFCU gives me an answer and I apply for NavChek or not I'll be over in the garden!

Thanks again for your advice!

You are welcome. Congrats again on the new home

Re: Post closing app spree

supervelous — Fri, 23 Aug 2013 23:14:35 GMT

I see a lot of people with NFCU on here. Are you all, or know someone in the Navy? Or is there a way around that?

Re: Post closing app spree

Genkeim — Fri, 23 Aug 2013 23:23:18 GMT

Just need a realitive in the military. My son is in the Army. There's a qualifing applet on their website.

Re: Post closing app spree

09Lexie — Fri, 23 Aug 2013 23:23:37 GMT

@supervelous

Besides a direct military affiliation, employees of DOD are eligible. There is no backdoor for Navy.

Re: Post closing app spree

djc1puno — Fri, 23 Aug 2013 23:34:07 GMT

Congrats on closing and your approvals!

Re: Post closing app spree

Genkeim — Mon, 26 Aug 2013 13:33:59 GMT

Just received msg from NFCU, Approved for nRewards $500. Will be calling in to apply for NavChek later today!

Re: Post closing app spree

Genkeim — Mon, 26 Aug 2013 13:37:54 GMT

Talked GF into an app spree as well. She has a similar scores to mine, however she has a JCP $300 and Credit One $300 cards for over a year so has a longer history than I do.

Lowes: Approved $500

Discover IT: Approved $1000

Wal-Mart: Approved $500

She's done and in the garden now also

Re: Post closing app spree

BearsAndTurtlesRtheBest — Mon, 26 Aug 2013 14:31:56 GMT

Congrats to both of you!! After a little gardening you guys should be ready for other cards you guys might have in mind.

Re: Post closing app spree

09Lexie — Mon, 26 Aug 2013 18:28:28 GMT

Congrats to you and GF!