topic Re: an little over zealous with app spree in Credit Cards

an little over zealous with app spree

mongstradamus — Wed, 25 Sep 2013 15:20:28 GMT

It looks like i may have been an little over zealous about my recent app spree. I most recently apped for discover IT , chase freedom , and Amex BCP. I got instant approval for Freedom, so i thought why not try for BCP also. I got the dreaded 5-7 days, does that usually mean its an denial for sure? I got the same from Discover also.

Re: an little over zealous with app spree

bigbang91 — Wed, 25 Sep 2013 15:31:57 GMT

You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex, and amazon. I got approved all

Re: an little over zealous with app spree

mongstradamus — Wed, 25 Sep 2013 15:36:18 GMT

@bigbang91 wrote:
You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex, and amazon. I got approved all

were you able to get instant approvals for all of them ? Or did you have to call backdoor number. I thought i would have been okay with discover because my equifax was highest of all my fico scores. they kept on sending me pre approvals an few times an week, so that made me pretty sad.

Re: an little over zealous with app spree

Gatortrout — Wed, 25 Sep 2013 15:45:45 GMT

I did almost the exact same thing at the first of the month. Apped BCP then CSP on the 3rd with instant approvals, then on the 4th decided to go ahead and app Discover IT as well and was also instant approval

Re: an little over zealous with app spree

mongstradamus — Wed, 25 Sep 2013 17:35:07 GMT

@bigbang91 wrote:
You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex, and amazon. I got approved all

i called discover , and was approved for their card, the apr isn't as low as i hoped but i plan on pif every month so not that big of an deal. Now with amex i heard if you call backdoor its another hp is that true , i am not sure i would want that

Re: an little over zealous with app spree

bigblue7722 — Wed, 25 Sep 2013 17:37:13 GMT

Im pretty sure Amex doesn't recon at all.

Re: an little over zealous with app spree

myjourney — Wed, 25 Sep 2013 17:41:06 GMT

@mongstradamus wrote:
@bigbang91 wrote:
You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex, and amazon. I got approved all
i called discover , and was approved for their card, the apr isn't as low as i hoped but i plan on pif every month so not that big of an deal. Now with amex i heard if you call backdoor its another hp is that true , i am not sure i would want that

Call it may not be a denial but address verification or something simple

And Amex won't HP when asking status....However if you choose to recon they will ask that you fax a new CR and then yes they will probably HP again at that point but it makes no sense to go that far unless there's a major change in CR's to show Amex

Re: an little over zealous with app spree

mongstradamus — Wed, 25 Sep 2013 17:44:09 GMT

@myjourney wrote:
@mongstradamus wrote:
@bigbang91 wrote:
You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex, and amazon. I got approved all
i called discover , and was approved for their card, the apr isn't as low as i hoped but i plan on pif every month so not that big of an deal. Now with amex i heard if you call backdoor its another hp is that true , i am not sure i would want that
Call it may not be a denial but address verification or something simple
And Amex won't HP when asking status....However if you choose to recon they will ask that you fax a new CR and then yes they will probably HP again at that point but it makes no sense to go that far unless there's a major change in CR's to show Amex

Ok thanks for that information , well after i find out about amex definately going to be gardening for at least 10 months if not more :-)

Re: an little over zealous with app spree

lg8302ch — Wed, 25 Sep 2013 17:45:29 GMT

None of my approvals were instant except for Cap1 ... always needed some verification and got approved .. so not necessarily means denial .. good luck

Re: an little over zealous with app spree

mongstradamus — Wed, 25 Sep 2013 17:59:29 GMT

@lg8302ch wrote:
None of my approvals were instant except for Cap1 ... always needed some verification and got approved .. so not necessarily means denial .. good luck

so wasn't all doom and gloom like i first thought , got amex preferred also with 15 month of 0% apr, which i was pretty suprised about. I think afterwards it would be 12.99 % not that bad with all things considered. actually discover it was the biggest stickler looks like because of the one CO account i had from 2007, but all in all i can't complain much :-)

Re: an little over zealous with app spree

myjourney — Wed, 25 Sep 2013 18:07:58 GMT

@mongstradamus wrote:
@lg8302ch wrote:
None of my approvals were instant except for Cap1 ... always needed some verification and got approved .. so not necessarily means denial .. good luck
so wasn't all doom and gloom like i first thought , got amex preferred also with 15 month of 0% apr, which i was pretty suprised about. I think afterwards it would be 12.99 % not that bad with all things considered. actually discover it was the biggest stickler looks like because of the one CO account i had from 2007, but all in all i can't complain much :-)

So approved right?

Re: an little over zealous with app spree

mongstradamus — Wed, 25 Sep 2013 18:11:03 GMT

@myjourney wrote:
@mongstradamus wrote:
@lg8302ch wrote:
None of my approvals were instant except for Cap1 ... always needed some verification and got approved .. so not necessarily means denial .. good luck
so wasn't all doom and gloom like i first thought , got amex preferred also with 15 month of 0% apr, which i was pretty suprised about. I think afterwards it would be 12.99 % not that bad with all things considered. actually discover it was the biggest stickler looks like because of the one CO account i had from 2007, but all in all i can't complain much :-)
So approved right?

yes sir was approved, didn't get the highest credit limit but its an start. I am wondering how backdating my new preferred card would work. I had an old amex with my dad but its now closed from 1995, can i back date it to that and would that increase my AAoA ?

Re: an little over zealous with app spree

myjourney — Wed, 25 Sep 2013 18:13:24 GMT

@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@lg8302ch wrote:
None of my approvals were instant except for Cap1 ... always needed some verification and got approved .. so not necessarily means denial .. good luck
so wasn't all doom and gloom like i first thought , got amex preferred also with 15 month of 0% apr, which i was pretty suprised about. I think afterwards it would be 12.99 % not that bad with all things considered. actually discover it was the biggest stickler looks like because of the one CO account i had from 2007, but all in all i can't complain much :-)
So approved right?
yes sir was approved, didn't get the highest credit limit but its an start. I am wondering how backdating my new preferred card would work. I had an old amex with my dad but its now closed from 1995, can i back date it to that and would that increase my AAoA ?

Congarts and head on home to the garden

Reminder always recon when in doubt

Call and ask about your member date don't mention backdating

Re: an little over zealous with app spree

mongstradamus — Wed, 25 Sep 2013 18:17:06 GMT

@myjourney wrote:
@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@lg8302ch wrote:
None of my approvals were instant except for Cap1 ... always needed some verification and got approved .. so not necessarily means denial .. good luck
so wasn't all doom and gloom like i first thought , got amex preferred also with 15 month of 0% apr, which i was pretty suprised about. I think afterwards it would be 12.99 % not that bad with all things considered. actually discover it was the biggest stickler looks like because of the one CO account i had from 2007, but all in all i can't complain much :-)
So approved right?
yes sir was approved, didn't get the highest credit limit but its an start. I am wondering how backdating my new preferred card would work. I had an old amex with my dad but its now closed from 1995, can i back date it to that and would that increase my AAoA ?
Congarts and head on home to the garden
Reminder always recon when in doubt
Call and ask about your member date don't mention backdating

would like to thank you guys especially myjourney for the guidence. I even asked the guy about backdating but he said he couldn't do anything about since he didn't have the information in front of him, he said he only did approvals :-( yes no apping for many months or maybe even years :-). my initial goal was just to get some good cash back cards , so i think i have achieved that

Re: an little over zealous with app spree

myjourney — Wed, 25 Sep 2013 18:20:09 GMT

@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@lg8302ch wrote:
None of my approvals were instant except for Cap1 ... always needed some verification and got approved .. so not necessarily means denial .. good luck
so wasn't all doom and gloom like i first thought , got amex preferred also with 15 month of 0% apr, which i was pretty suprised about. I think afterwards it would be 12.99 % not that bad with all things considered. actually discover it was the biggest stickler looks like because of the one CO account i had from 2007, but all in all i can't complain much :-)
So approved right?
yes sir was approved, didn't get the highest credit limit but its an start. I am wondering how backdating my new preferred card would work. I had an old amex with my dad but its now closed from 1995, can i back date it to that and would that increase my AAoA ?
Congarts and head on home to the garden
Reminder always recon when in doubt
Call and ask about your member date don't mention backdating
would like to thank you guys especially myjourney for the guidence. I even asked the guy about backdating but he said he couldn't do anything about since he didn't have the information in front of him, he said he only did approvals :-( yes no apping for many months or maybe even years :-). my initial goal was just to get some good cash back cards , so i think i have achieved that

Wait until you get the card call the number on the back and then tell them what I just told you and you should be good to go on the date/backdating issue

Re: an little over zealous with app spree

09Lexie — Wed, 25 Sep 2013 18:23:29 GMT

Congratulations on your successful spree and welcome back to the Amex Family!

Re: an little over zealous with app spree

mongstradamus — Wed, 25 Sep 2013 18:24:00 GMT

@myjourney wrote:
@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@lg8302ch wrote:
None of my approvals were instant except for Cap1 ... always needed some verification and got approved .. so not necessarily means denial .. good luck
so wasn't all doom and gloom like i first thought , got amex preferred also with 15 month of 0% apr, which i was pretty suprised about. I think afterwards it would be 12.99 % not that bad with all things considered. actually discover it was the biggest stickler looks like because of the one CO account i had from 2007, but all in all i can't complain much :-)
So approved right?
yes sir was approved, didn't get the highest credit limit but its an start. I am wondering how backdating my new preferred card would work. I had an old amex with my dad but its now closed from 1995, can i back date it to that and would that increase my AAoA ?
Congarts and head on home to the garden
Reminder always recon when in doubt
Call and ask about your member date don't mention backdating
would like to thank you guys especially myjourney for the guidence. I even asked the guy about backdating but he said he couldn't do anything about since he didn't have the information in front of him, he said he only did approvals :-( yes no apping for many months or maybe even years :-). my initial goal was just to get some good cash back cards , so i think i have achieved that
Wait until you get the card call the number on the back and then tell them what I just told you and you should be good to go on the date/backdating issue

i am kind of confused about backdating because i am an au on my mothers costco amex card and i called to back date my card and they just did it for date i asked for , and they didn't really ask many questions. Now that i got my new card sent with the 1995 member date will that effect my aaoa. Or is it just something that shows up only on the card?

Re: an little over zealous with app spree

fishbjc — Wed, 25 Sep 2013 18:49:18 GMT

I dumped both of our AMEX cards and haven't looked back. Congratulations to those of you who are getting approved!!!! SWEET!!!!

Re: an little over zealous with app spree

myjourney — Wed, 25 Sep 2013 18:51:34 GMT

@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@lg8302ch wrote:
None of my approvals were instant except for Cap1 ... always needed some verification and got approved .. so not necessarily means denial .. good luck
so wasn't all doom and gloom like i first thought , got amex preferred also with 15 month of 0% apr, which i was pretty suprised about. I think afterwards it would be 12.99 % not that bad with all things considered. actually discover it was the biggest stickler looks like because of the one CO account i had from 2007, but all in all i can't complain much :-)
So approved right?
yes sir was approved, didn't get the highest credit limit but its an start. I am wondering how backdating my new preferred card would work. I had an old amex with my dad but its now closed from 1995, can i back date it to that and would that increase my AAoA ?
Congarts and head on home to the garden
Reminder always recon when in doubt
Call and ask about your member date don't mention backdating
would like to thank you guys especially myjourney for the guidence. I even asked the guy about backdating but he said he couldn't do anything about since he didn't have the information in front of him, he said he only did approvals :-( yes no apping for many months or maybe even years :-). my initial goal was just to get some good cash back cards , so i think i have achieved that
Wait until you get the card call the number on the back and then tell them what I just told you and you should be good to go on the date/backdating issue
i am kind of confused about backdating because i am an au on my mothers costco amex card and i called to back date my card and they just did it for date i asked for , and they didn't really ask many questions. Now that i got my new card sent with the 1995 member date will that effect my aaoa. Or is it just something that shows up only on the card?

It will help AAoA bravo

Re: an little over zealous with app spree

mongstradamus — Wed, 25 Sep 2013 19:00:56 GMT

@myjourney wrote:
@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@lg8302ch wrote:
None of my approvals were instant except for Cap1 ... always needed some verification and got approved .. so not necessarily means denial .. good luck
so wasn't all doom and gloom like i first thought , got amex preferred also with 15 month of 0% apr, which i was pretty suprised about. I think afterwards it would be 12.99 % not that bad with all things considered. actually discover it was the biggest stickler looks like because of the one CO account i had from 2007, but all in all i can't complain much :-)
So approved right?
yes sir was approved, didn't get the highest credit limit but its an start. I am wondering how backdating my new preferred card would work. I had an old amex with my dad but its now closed from 1995, can i back date it to that and would that increase my AAoA ?
Congarts and head on home to the garden
Reminder always recon when in doubt
Call and ask about your member date don't mention backdating
would like to thank you guys especially myjourney for the guidence. I even asked the guy about backdating but he said he couldn't do anything about since he didn't have the information in front of him, he said he only did approvals :-( yes no apping for many months or maybe even years :-). my initial goal was just to get some good cash back cards , so i think i have achieved that
Wait until you get the card call the number on the back and then tell them what I just told you and you should be good to go on the date/backdating issue
i am kind of confused about backdating because i am an au on my mothers costco amex card and i called to back date my card and they just did it for date i asked for , and they didn't really ask many questions. Now that i got my new card sent with the 1995 member date will that effect my aaoa. Or is it just something that shows up only on the card?
It will help AAoA bravo

How do I tell if my AAoA has changed will score watch pick that up?