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so i went crazy yesterday and did 9 applications ....as follows....
Approvals-------------------
1. Discover it (Approved) 1.5k
2. Citi Bank Double cash reward (Approved) 1.7k
3. Cap one quicksilver 1(accidently applied for the wrong quicksilver card) (Aprroved) $500
4. Cap one Platnium mastercard (Approved) $300
-------------Denials--------------
1. chase freedoom - ( denied me because of my thin file, called the recon 4x times.)
2. Barclay Card ( denied me because of my thin file, second time with a big D from them)
3. Discover it Chrome
4.Amex ( dont even know wth i was thinking here)
Pending
1. Paypal extras Mastercard
-------- I have good credit almost 2 years with building it to this stage, my questions are, how do i get a barclay and amex approval??? they hate my guts and will not let me collect $200 or pass go! i will be in the garden for some time........also another question is when should i ask for a CLI for @citi and @discover?
......![]()
@Anonymous wrote:so i went crazy yesterday and did 9 applications ....as follows....
Approvals-------------------
1. Discover it (Approved) 1.5k
2. Citi Bank Double cash reward (Approved) 1.7k
3. Cap one quicksilver 1(accidently applied for the wrong quicksilver card) (Aprroved) $500
4. Cap one Platnium mastercard (Approved) $300
-------------Denials--------------
1. chase freedoom - ( denied me because of my thin file, called the recon 4x times.)
2. Barclay Card ( denied me because of my thin file, second time with a big D from them)
3. Discover it Chrome
4.Amex ( dont even know wth i was thinking here)
Pending
1. Paypal extras Mastercard
@Anonymous--- I have good credit almost 2 years with building it to this stage, my questions are, how do i get a barclay and amex approval??? they hate my guts and will not let me collect $200 or pass go! i will be in the garden for some time........also another question is when should i ask for a CLI for @Anonymous and @Anonymous?
......
Congrats on your approvals! Did you app Amex first?
thx! no amex was last and honestly i shouldnt have applied because ck said my chances were poor but i seen the reviews and felt inspired i guess. my dream card is amex green so i hope when im in the mid 700s i can get that card
@Anonymous wrote:thx! no amex was last and honestly i shouldnt have applied because ck said my chances were poor but i seen the reviews and felt inspired i guess. my dream card is amex green so i hope when im in the mid 700s i can get that card
First, don't ever listen to CK's suggestions. They are empty promises. Try Amex's prequal site first when you're ready to apply again in 6 or more months. If it gives you results, you know that you have a good chance. If not, it doesn't mean you won't still be approved, but it's nice to have an idea with the prequal beforehand.
You may have been approved for an amex bce or everyday if you'd applied for that one first with EX scores in/near 700s and no baddies on your CR. 4 new lines is still great though and you should maybe stick yourself into the garden for now. Work on keeping util low, getting SP CLIs, paying down any balances you may have and the like for a few months. You might even wait till next year for the Amex if you've got a bajillion inquiries on your report, but personally, I'd just garden for a while and take a chance closer to the end of this year.
I plan on doing my app spree in May and I'm also lookin' for an Amex. Reading the approval stats of the people around this forum really helps with knowing what they expect
Lots of luck!
Also, the Amex green doesn't seem to require mid 700s score. I've seen posts from people who've gotten a charge card with scores in the mid-high 600s Also, Amex won't leave me alone with their pre-qualified green card offers! It's been literally a year and I still get them once a week. But I'm holding out for a revolver and not a charge card. No AFs for me lol.
thx for the info! it really helps! yes i will apply for amex next year! i keep my utli at 15%! never carry a balance and pay before statement closes!
i have 18 inquires soon to be 27! ![]()
so yes i will garden for awhile and start racking up some rewards with my new accounts
aww shut up im sooooo jealous i want that card!!! how long are u gonna hold out for a revolver?
@Anonymous wrote:aww shut up im sooooo jealous i want that card!!! how long are u gonna hold out for a revolver?
Lol I'll send you all my prequals! I'm waiting till May when I spree for 3 cards and some CLIs. I'll be spinning the wheel of Amex lol, but hopefully it turns out well ![]()
yes and good luck with that! how is ur amazon card? maybe i will do that in the near future...i always shop on ebay and amazon!
@Anonymous wrote:yes and good luck with that! how is ur amazon card? maybe i will do that in the near future...i always shop on ebay and amazon!
My amazon is great...when I'm shopping on Amazon lol. It was my first real card after screwing up a bit on my first-first real card when I was 18 and needed books for school lol so I'm always grateful to chase for giving me a chance. However, it's like impossible to get a CLI. I'm still at my initial $500 (since 2013) and it will take a HP to get one. I've just recently been using it more at restaurants and things because the points rewards are 3% amazon, 2% dining, gas, and 1% other stuff. I would say go for it if you can get a better SL and if you really do shop on amazon a whole bunch, but otherwise, hold out for a better rewards card like Sallie Mae or an Amex cash card. You got some good stuff that offers better rewards already IMO so max out your payback on those before considering something as specific as Amazon Visa.