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LOL/24 Approvals???

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Valued Contributor

Re: LOL/24 Approvals???

Getting Disney card won't stop you from getting IHG card as neither is affected by 5/24. Amex, Citi and B of A don't care about lol/24 either. Sadly Barclay seems to now have a 5/24 rule.
More cards than I can mention in a signature.
Message 21 of 32
Established Contributor

Re: LOL/24 Approvals???

Barclay's does not have a 5/24. They have something more on the line of 4/24 w/ 2/6 Anti-Spree. They literally are more Tightwad than Tightwad Bank. If you have a dozen lenders and Barclay's is in that list you can safely watch them only as an example of what the whole dozen will do since Barclay's will be the first to do AA.

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 12/11/19
Active:
Bank of America (Better Balance Rewards M, Cash Rewards WM, Cash Rewards VS), Blispay V, Capital One (Quicksilver VSC, Walmart WMC), Chase(AARP VSC, Amazon Prime VSC, Freedom VSC, Slate VC), Citi Dividend M, Citizens GreenSense M, Discover It, FedEx Employee Credit Association V, FNBO Ducks Unlimited VS, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M), UMB Bank Simply Rewards V(Milford Federal), US Bank Cash+ VS
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Message 22 of 32
New Contributor

Re: LOL/24 Approvals???

Does the Disney Chase bypass 5/24?







Garden Life: 4.15.19
Leaving Garden: 2.15.20
Updated: 5.30.19


Message 23 of 32
Established Contributor

Re: LOL/24 Approvals???

Didn't inquiries pile up?

 

If this many appovals in just 2 years, wouldn't that be a lot of inquiries too?

 

Message 24 of 32
Super Contributor

Re: LOL/24 Approvals???


@TheAuthorizedUser wrote:
Does the Disney Chase bypass 5/24?

It used to. As of last fall that's no longer the case.

(8/2019)
FICO 8 (EX) 793 (TU) 808 (EQ) 794
FICO 9 (EX) 822 (TU) 827 (EQ) 844

$900K+ club
Message 25 of 32
Super Contributor

Re: LOL/24 Approvals???


@Hockeypnc1 wrote:

Didn't inquiries pile up?

 

If this many appovals in just 2 years, wouldn't that be a lot of inquiries too?

 


Yes, but as you develop a thick aged profile underwriters tend to get less fazed by the number of inquiries than by the number of new accounts, and even then many issuers won't bat an eyelash if you have a strong history and decent income. (FWIW, I'm down to 50/24 at the moment)

(8/2019)
FICO 8 (EX) 793 (TU) 808 (EQ) 794
FICO 9 (EX) 822 (TU) 827 (EQ) 844

$900K+ club
Message 26 of 32
Regular Contributor

Re: LOL/24 Approvals???

Lol 😂

Message 27 of 32
Valued Contributor

Re: LOL/24 Approvals???


@TheAuthorizedUser wrote:
Does the Disney Chase bypass 5/24?

It definitely wont.  I got an offer for the card in the mail.  Had to enter my name, invitation number and zip code to verify I was the one who got the offer.  Applied and denied for number of new  accounts in 24 months.

More cards than I can mention in a signature.
Message 28 of 32
Frequent Contributor

Re: LOL/24 Approvals???

I'm at 4/24 (two store cards, a secured card that will never graduate, and one "real bank" card—a Discover). All my old cards were closed in my recent financial misfortune, so I start from square one. 

 

If 6/24 is in LOL territory, I'll be there soon! I hope to pick up some more "real" cards by the end of the year. (It all will depend on my circumstances at that time!) I'm hoping to snag some sort of 1.5 to 2% cash back across the board card, a card with nice cash back on groceries & gas, and the Amazon store card. (I'm not even going to delude myself that I have a chance with Amazon's Chase card as of yet.) And if Amex were to let me in, I would not say no! 

 

Right now I'm happily busy gardening my Walmart and Discover cards, so I'm using some self-control...let's see how long it lasts! Cat LOL

FICO8: Nov 20, 2018:
FICO8: Nov 20, 2019:
FICO8: Jan 11, 2020:
Goal for December 2019: FICO8 640-700 (reached! Fico 681!)
Goal for December 2020: FICO8 685-710
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $2000Shell Citi store card, $800Navy More Rewards, $17,000RIP Green Dot Platinum
Overstock $4,250, Walmart $500, Discover IT Cash Back $2400, Navy Fed cashRewards $2000, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17,000, (RIP Green Dot Platinum Secured)

Starting Score: 539
Current Score: 676
Goal Score: 760


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Message 29 of 32
Super Contributor

Re: LOL/24 Approvals???

I’m not as LOL/24 as most people on here but I am still 11/24 which is impressive since I have very dirty scorecards (my only approval when TU went up to 706 was PayPal, TU was between 647 and 652 before that) and only one card is a store card. 

 

Lets see what happens when I have clean reports lol. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 30 of 32
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