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Closing tomorrow, app spree advice needed! - Update

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Northerngirl2
Valued Member

Re: Closing tomorrow, app spree advice needed! - Update

@ccquest I called both Discover and Citi backdoor numbers. Discover said there's nothing that they can do and not other recon route. It's funny because for all the research I've done on this board, I don't recall seeing that Discover was particularly sensitive on inquiries.

 

Citi was really nice, she said she could not override it but to wait for the letter and call that number when I get it.

 

I am excited about BoA, the gave me a $10k SL so I'm quite happy about that!

 

Fingers crossed on the US Bank recons! I should hear back later today and I'll update when I get the news.

F 8 - 5/20 EQ 683 EX 675 TU 684      FICO 5,4,2 - 5/20 EQ 694 EX 650 TU 685
F 8 - 10/20 EQ 703 EX 703 TU 702      FICO 5,4,2 - Closed 10/23/20!!

Goal 750

Current Cards - Venture1 CL $13,500 AAoA - 12 yr 10 mo AoOA - 19 yr 4 mo
Message 11 of 15
OmarGB9
Community Leader
Super Contributor

Re: Closing tomorrow, app spree advice needed! - Update


@Northerngirl2 wrote:

@ccquest I called both Discover and Citi backdoor numbers. Discover said there's nothing that they can do and not other recon route. It's funny because for all the research I've done on this board, I don't recall seeing that Discover was particularly sensitive on inquiries.

 

Citi was really nice, she said she could not override it but to wait for the letter and call that number when I get it.

 

I am excited about BoA, the gave me a $10k SL so I'm quite happy about that!

 

Fingers crossed on the US Bank recons! I should hear back later today and I'll update when I get the news.


Sorry about the denials. Any update on US Bank recon?


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 12 of 15
AllZero
Mega Contributor

Re: Closing tomorrow, app spree advice needed! - Update

Congratulations on your  BoA approval!

 

For your reading pleasure BoA to stop HPs for CLI’s 

Message 13 of 15
Northerngirl2
Valued Member

Re: Closing tomorrow, app spree advice needed! - Update

@OmarGB9 So the update on the US Bank cards is that my relationship banker spoke with underwriting yesterday. They are going to re-review the applications and "more than likely approve limits for both". I should hear back in 2-3 days.

 

Now I just wait and see lol. At least it's getting reviewed again so I am holding out a little hope but trying to not count on anything so if it goes wrong I'm not too disappointed.

F 8 - 5/20 EQ 683 EX 675 TU 684      FICO 5,4,2 - 5/20 EQ 694 EX 650 TU 685
F 8 - 10/20 EQ 703 EX 703 TU 702      FICO 5,4,2 - Closed 10/23/20!!

Goal 750

Current Cards - Venture1 CL $13,500 AAoA - 12 yr 10 mo AoOA - 19 yr 4 mo
Message 14 of 15
Northerngirl2
Valued Member

Re: Closing tomorrow, app spree advice needed! - Update

Update on the US Bank cards

 

I got approved for both the Altitude Go and Cash+ with a $2k starting limit on each! I'm very excited even though the limits were a little lower than I had hoped for. The good news is they can grow with time.

 

So grateful for my relationship banker who was able to work with underwriting that I was indeed mortgage shopping on all those inquiries!

 

Now over to the Approvals group...

F 8 - 5/20 EQ 683 EX 675 TU 684      FICO 5,4,2 - 5/20 EQ 694 EX 650 TU 685
F 8 - 10/20 EQ 703 EX 703 TU 702      FICO 5,4,2 - Closed 10/23/20!!

Goal 750

Current Cards - Venture1 CL $13,500 AAoA - 12 yr 10 mo AoOA - 19 yr 4 mo
Message 15 of 15
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