@My_Fako wrote:
Just applied got the 7/10 message. Can I call for reconsideration now? I then applied for Amazon was approved for $800 and a $20 gift card. Happy it's a start.
I was approved with $800 also and in less than a month cli to $3500 and just yesterday, about 3 weeks after the first cli i got it up to $6000. You will get a cli very quick if you use the card and pay it off. My first app with barclays was denied, did it about 2 am in the morning, called for recon in the morning, approved, it was for their rewards MC. Same day in the evening applied for Apple Rewards card, got instant approval 2 times the SL of Rewards card.
@KSK1912 wrote:
@DeeBee78 wrote:
@kdm31091 wrote:
Most people end up regretting the apple card and wanting to PC or close it. Its really only useful for one or two large occasional apple purchases. It does give 0 percent but you can get 0 percent offers on more widely useful cards.
Id go for rewards unless you are a diehard apple personI love my Apple Rewards card because I am a diehard Mac fan. Plus I can get the 0% APR promotional rate re-applied over and over. The 0% offers from other lenders are random at best, after promo APR's expire.
And to the OP, for what it's worth: At the advice of these forums, I app'd the Apple Rewards and standard Rewards cards on the same day.I was only approved for the Apple Rewards.
Today Barclay and synchrony has been great to me. 2 months old walmart card $150 starting limit went up to $3500 in 3 chat CLI's on the same day
2 months old amazon with $800 starting limit went up to $3500 in 3 chat CLI's.
But my morning started with Barclay. 3 am applied online and was denied for rewards card. Called around 9am for recon and after 2 minutes, $1000 SCL. Very happy. First real, unsecure CC. In the evening, after the Walmart and Amazon CLI's, i decided to go for Barclays AppleRewards card. Online application and an instant approval with $2K SCL
Barclay recon was very easy. asked me about too many recent store cards, 14 to be exact, and i told him they were all soft pulls with low limits and i added them to have some trade lines and help with my utilization. I said i could not even use them if i wanted to, besides 2, buckle and express, because they are all lady's stores. He laughed. Then asked me about a $3K installment loan i opened with wells fargo in june, and what i did with the money. I told him it was to add an installment loan to my CR, to have variety of credit lines, and the money i borrowed went to savings, because i did not need the money but the credit line. He said even though my past is very short and most accounts are new, my almost 1 year old $2500 wells fargo secure cc, and 4 months old $2500 Capital one secure cc is showing 0 balance, and i told him i pay it off every month.
He said you look like you know what you are doing, and you are on the right path, so i will approve for today for $1K. I was sooo happy. Make sure you call recon line and talk to them. especially since you have the HP as well, go for it, nothing to lose. And Good Luck!
Congrats KSK!
Congrats OP!
@LadyJEsq wrote:
@KSK1912 wrote:
@DeeBee78 wrote:
@kdm31091 wrote:
Most people end up regretting the apple card and wanting to PC or close it. Its really only useful for one or two large occasional apple purchases. It does give 0 percent but you can get 0 percent offers on more widely useful cards.
Id go for rewards unless you are a diehard apple personI love my Apple Rewards card because I am a diehard Mac fan. Plus I can get the 0% APR promotional rate re-applied over and over. The 0% offers from other lenders are random at best, after promo APR's expire.
And to the OP, for what it's worth: At the advice of these forums, I app'd the Apple Rewards and standard Rewards cards on the same day.I was only approved for the Apple Rewards.
Today Barclay and synchrony has been great to me. 2 months old walmart card $150 starting limit went up to $3500 in 3 chat CLI's on the same day
But my morning started with Barclay. 3 am applied online and was denied for rewards card. Called around 9am for recon and after 2 minutes, $1000 SCL. Very happy. First real, unsecure CC. In the evening, after the Walmart and Amazon CLI's, i decided to go for Barclays AppleRewards card. Online application and an instant approval with $2K SCL
Barclay recon was very easy. asked me about too many recent store cards, 14 to be exact, and i told him they were all soft pulls with low limits and i added them to have some trade lines and help with my utilization. I said i could not even use them if i wanted to, besides 2, buckle and express, because they are all lady's stores. He laughed. Then asked me about a $3K installment loan i opened with wells fargo in june, and what i did with the money. I told him it was to add an installment loan to my CR, to have variety of credit lines, and the money i borrowed went to savings, because i did not need the money but the credit line. He said even though my past is very short and most accounts are new, my almost 1 year old $2500 wells fargo secure cc, and 4 months old $2500 Capital one secure cc is showing 0 balance, and i told him i pay it off every month.
He said you look like you know what you are doing, and you are on the right path, so i will approve for today for $1K. I was sooo happy. Make sure you call recon line and talk to them. especially since you have the HP as well, go for it, nothing to lose. And Good Luck!
Congrats KSK!
Thanks a lot!
Now i should get my butt in the garden i guess. ALmost 28 accounts in 4 months, small and bigger, don't need anymore at the moment. Just cli's on current accounts.