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    <title>topic Re: Credit Card Approval Program in SmorgasBoard</title>
    <link>https://ficoforums.myfico.com/t5/SmorgasBoard/Credit-Card-Approval-Program/m-p/3095134#M37061</link>
    <description>&lt;P&gt;Let me know when it's available.&amp;nbsp; I need it!&lt;/P&gt;</description>
    <pubDate>Tue, 13 May 2014 20:46:10 GMT</pubDate>
    <dc:creator>ambivalent</dc:creator>
    <dc:date>2014-05-13T20:46:10Z</dc:date>
    <item>
      <title>Credit Card Approval Program</title>
      <link>https://ficoforums.myfico.com/t5/SmorgasBoard/Credit-Card-Approval-Program/m-p/3095100#M37060</link>
      <description>&lt;P&gt;So we all know the feeling you get when you apply for that shiny new card, the moment that Congratulations screen pops up the smile comes across our faces.&amp;nbsp; Problem is you might just want that "high" you might not even use the card.&amp;nbsp; And lets not even mention those gardeners out there...no apps for months and months?!&amp;nbsp; Well I was bored at work and decided to use some of my free time to create some software that lets you "apply" for credit.&amp;nbsp; It starts out with some simple questions, and eventually asks you for your estimated (or exact) credit score.&amp;nbsp; This sets up a baseline for your profile.&amp;nbsp; Now of course this program doesnt actually apply for the cards, or have any tie to your personal information, but thats what makes it fun.&amp;nbsp; From there you can apply to cards you've always wanted, or those you may never get Centurion anybody?&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;It then approves or denies you based on your profile, now of course you can pad that anyway you like to keep those approvals coming &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt; I'm actually impressed with how satisfying this has turned out to be (also got me some bonus points at school).&amp;nbsp; It even keeps track of your denials and approvals.&amp;nbsp; Sadly this is the only way I can get approved for a Chase card lol so I'll take it for now!&amp;nbsp; A friend of mine is working to turn it into a app/simulator on the app store so it should be available soon for your entertainment pleasure.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Tue, 13 May 2014 20:39:47 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/SmorgasBoard/Credit-Card-Approval-Program/m-p/3095100#M37060</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2014-05-13T20:39:47Z</dc:date>
    </item>
    <item>
      <title>Re: Credit Card Approval Program</title>
      <link>https://ficoforums.myfico.com/t5/SmorgasBoard/Credit-Card-Approval-Program/m-p/3095134#M37061</link>
      <description>&lt;P&gt;Let me know when it's available.&amp;nbsp; I need it!&lt;/P&gt;</description>
      <pubDate>Tue, 13 May 2014 20:46:10 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/SmorgasBoard/Credit-Card-Approval-Program/m-p/3095134#M37061</guid>
      <dc:creator>ambivalent</dc:creator>
      <dc:date>2014-05-13T20:46:10Z</dc:date>
    </item>
    <item>
      <title>Re: Credit Card Approval Program</title>
      <link>https://ficoforums.myfico.com/t5/SmorgasBoard/Credit-Card-Approval-Program/m-p/3095184#M37062</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@prettylady wrote:&lt;BR /&gt;&lt;P&gt;Let me know when it's available.&amp;nbsp; I need it!&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Will do prettylady!&lt;/P&gt;</description>
      <pubDate>Tue, 13 May 2014 21:03:51 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/SmorgasBoard/Credit-Card-Approval-Program/m-p/3095184#M37062</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2014-05-13T21:03:51Z</dc:date>
    </item>
    <item>
      <title>Re: Credit Card Approval Program</title>
      <link>https://ficoforums.myfico.com/t5/SmorgasBoard/Credit-Card-Approval-Program/m-p/3095786#M37063</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@EndlessRoad wrote:&lt;BR /&gt;&lt;P&gt;So we all know the feeling you get when you apply for that shiny new card, the moment that Congratulations screen pops up the smile comes across our faces.&amp;nbsp; Problem is you might just want that "high" you might not even use the card.&amp;nbsp; And lets not even mention those gardeners out there...no apps for months and months?!&amp;nbsp; Well I was bored at work and decided to use some of my free time to create some software that lets you "apply" for credit.&amp;nbsp; It starts out with some simple questions, and eventually asks you for your estimated (or exact) credit score.&amp;nbsp; This sets up a baseline for your profile.&amp;nbsp; Now of course this program doesnt actually apply for the cards, or have any tie to your personal information, but thats what makes it fun.&amp;nbsp; From there you can apply to cards you've always wanted, or those you may never get Centurion anybody?&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;It then approves or denies you based on your profile, now of course you can pad that anyway you like to keep those approvals coming &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt; I'm actually impressed with how satisfying this has turned out to be (also got me some bonus points at school).&amp;nbsp; It even keeps track of your denials and approvals.&amp;nbsp; Sadly this is the only way I can get approved for a Chase card lol so I'll take it for now!&amp;nbsp; A friend of mine is working to turn it into a app/simulator on the app store so it should be available soon for your entertainment pleasure.&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;AMEX CENTURION APPROVED&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I just applied for the AMEX Centurion and was approved. Here are my specs below:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;AAoA: 4 Months&lt;/P&gt;&lt;P&gt;Oldest Account: 4 Months&lt;/P&gt;&lt;P&gt;FICO EX: Not Scoreable&lt;/P&gt;&lt;P&gt;Income: $12,000 Annual&lt;/P&gt;&lt;P&gt;3 Inquiries&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I was able to call in and have the initiation fee waived and the annual fee has been permanently re-adjusted to $175 a year. They also bumped up the rewards structure to 5X base MR points on everything, and 10X MR points on purchases that happen between 7AM and 10PM M-F. I am so happy I cannot thank you guys enough for encouraging me to apply for this card.&amp;nbsp;&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;But seriously though. I cannot wait to see you release this program. It sounds addicting!&amp;nbsp;&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Wed, 14 May 2014 00:51:13 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/SmorgasBoard/Credit-Card-Approval-Program/m-p/3095786#M37063</guid>
      <dc:creator>14Fiesta</dc:creator>
      <dc:date>2014-05-14T00:51:13Z</dc:date>
    </item>
    <item>
      <title>Re: Credit Card Approval Program</title>
      <link>https://ficoforums.myfico.com/t5/SmorgasBoard/Credit-Card-Approval-Program/m-p/3095860#M37064</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/790452"&gt;@14Fiesta&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@EndlessRoad wrote:&lt;BR /&gt;&lt;P&gt;So we all know the feeling you get when you apply for that shiny new card, the moment that Congratulations screen pops up the smile comes across our faces.&amp;nbsp; Problem is you might just want that "high" you might not even use the card.&amp;nbsp; And lets not even mention those gardeners out there...no apps for months and months?!&amp;nbsp; Well I was bored at work and decided to use some of my free time to create some software that lets you "apply" for credit.&amp;nbsp; It starts out with some simple questions, and eventually asks you for your estimated (or exact) credit score.&amp;nbsp; This sets up a baseline for your profile.&amp;nbsp; Now of course this program doesnt actually apply for the cards, or have any tie to your personal information, but thats what makes it fun.&amp;nbsp; From there you can apply to cards you've always wanted, or those you may never get Centurion anybody?&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;It then approves or denies you based on your profile, now of course you can pad that anyway you like to keep those approvals coming &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt; I'm actually impressed with how satisfying this has turned out to be (also got me some bonus points at school).&amp;nbsp; It even keeps track of your denials and approvals.&amp;nbsp; Sadly this is the only way I can get approved for a Chase card lol so I'll take it for now!&amp;nbsp; A friend of mine is working to turn it into a app/simulator on the app store so it should be available soon for your entertainment pleasure.&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;AMEX CENTURION APPROVED&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I just applied for the AMEX Centurion and was approved. Here are my specs below:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;AAoA: 4 Months&lt;/P&gt;&lt;P&gt;Oldest Account: 4 Months&lt;/P&gt;&lt;P&gt;FICO EX: Not Scoreable&lt;/P&gt;&lt;P&gt;Income: $12,000 Annual&lt;/P&gt;&lt;P&gt;3 Inquiries&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I was able to call in and have the initiation fee waived and the &lt;FONT color="#0000FF"&gt;annual fee has been permanently re-adjusted to $175 a year.&lt;/FONT&gt; They also bumped up the rewards structure to &lt;FONT color="#0000FF"&gt;5X base MR points on everything, and 10X MR points on purchases that happen between 7AM and 10PM M-F&lt;/FONT&gt;. I am so happy I cannot thank you guys enough for encouraging me to apply for this card.&amp;nbsp;&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;But seriously though. I cannot wait to see you release this program. It sounds addicting!&amp;nbsp;&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Wow amazing Lol&lt;/P&gt;</description>
      <pubDate>Wed, 14 May 2014 01:31:37 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/SmorgasBoard/Credit-Card-Approval-Program/m-p/3095860#M37064</guid>
      <dc:creator>myjourney</dc:creator>
      <dc:date>2014-05-14T01:31:37Z</dc:date>
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