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Score jumps 13 points AFTER I go on an App Spree!?? :(

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ladyMJ
Regular Contributor

Score jumps 13 points AFTER I go on an App Spree!?? :(

Smiley SadSmiley SurprisedSmiley Frustrated

 

Ahhhh the anxiety!

 

I was preapproved for the Venture so I apped with a 698 Ex and took the 3 hard pulls last week. Status: Pending and I have to wait up to 2 weeks for answer.---Today I checked my EQ score (6 days later) it is 711!!!!!

 

Same story for the CSP. Pending app since the 18th, when they pulled I was just under 700.

 

What do I do??? I already suffered with APR i am sure on my new Amex Hilton Surpass (I got the highest one.)

 

Util is currently at 37% though somehow...I Guess some payments arent reporting.

 

I have the CSP pending but want to app for the Ritz. Would it be a good idea? I am so mad I didn't wait to apply for these cards until this week!!!!!!!!Smiley FrustratedSmiley Mad

 

Thoughts, suggestions?

 

 

2/26/15: TU Fico (BarclayCard)- 721
2/18/15: EQ (CK)- 668
2/26/15: EX (EX.com)- 706

Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: Score jumps 13 points AFTER I go on an App Spree!?? :(


@ladyMJ wrote:

Smiley SadSmiley SurprisedSmiley Frustrated

 

Ahhhh the anxiety!

 

I was preapproved for the Venture so I apped with a 698 Ex and took the 3 hard pulls last week. Status: Pending and I have to wait up to 2 weeks for answer.---Today I checked my EQ score (6 days later) it is 711!!!!!

 

Same story for the CSP. Pending app since the 18th, when they pulled I was just under 700.

 

What do I do??? I already suffered with APR i am sure on my new Amex Hilton Surpass (I got the highest one.)

 

Util is currently at 37% though somehow...I Guess some payments arent reporting.

 

I have the CSP pending but want to app for the Ritz. Would it be a good idea? I am so mad I didn't wait to apply for these cards until this week!!!!!!!!Smiley FrustratedSmiley Mad

 

Thoughts, suggestions?

 

 


No, don't apply for the Ritz until you hear about the CSP.  Even if you get approved, Chase, more than likely,  is going to want to see several months of usage on that card before applying for the Ritz.  There's nothing special about the current Ritz offer so there is no hurry.

Message 2 of 12
TheGardner
Valued Contributor

Re: Score jumps 13 points AFTER I go on an App Spree!?? :(

Want your utilization to update aswell before applying.
If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015.
Current FICO Scores EX: 715 EQ: 756 TU: 762
Last APP April 21, 2015.
Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.
Message 3 of 12
ladyMJ
Regular Contributor

Re: Score jumps 13 points AFTER I go on an App Spree!?? :(


@Anonymous wrote:

@ladyMJ wrote:

Smiley SadSmiley SurprisedSmiley Frustrated

 

Ahhhh the anxiety!

 

I was preapproved for the Venture so I apped with a 698 Ex and took the 3 hard pulls last week. Status: Pending and I have to wait up to 2 weeks for answer.---Today I checked my EQ score (6 days later) it is 711!!!!!

 

Same story for the CSP. Pending app since the 18th, when they pulled I was just under 700.

 

What do I do??? I already suffered with APR i am sure on my new Amex Hilton Surpass (I got the highest one.)

 

Util is currently at 37% though somehow...I Guess some payments arent reporting.

 

I have the CSP pending but want to app for the Ritz. Would it be a good idea? I am so mad I didn't wait to apply for these cards until this week!!!!!!!!Smiley FrustratedSmiley Mad

 

Thoughts, suggestions?

 

 


No, don't apply for the Ritz until you hear about the CSP.  Even if you get approved, Chase, more than likely,  is going to want to see several months of usage on that card before applying for the Ritz.  There's nothing special about the current Ritz offer so there is no hurry.


Really? Is it because its a CSP? My fiance just apped 2 Southwest cards in same week and got approved. Also, I have the 140K bonus still......there is no expiration on my email.....but I have an invitation code and direct link for this bonus that was sent to me on 2/5/15

 

2/26/15: TU Fico (BarclayCard)- 721
2/18/15: EQ (CK)- 668
2/26/15: EX (EX.com)- 706

Message 4 of 12
ladyMJ
Regular Contributor

Re: Score jumps 13 points AFTER I go on an App Spree!?? :(


@TheGardner wrote:
Want your utilization to update aswell before applying.

Yes that is smart. I need to take a seat and be patient but when you have a goal it is hard! After these cards I am done for a while but I have to remind myself to not rush.

 

 

2/26/15: TU Fico (BarclayCard)- 721
2/18/15: EQ (CK)- 668
2/26/15: EX (EX.com)- 706

Message 5 of 12
Anonymous
Not applicable

Re: Score jumps 13 points AFTER I go on an App Spree!?? :(


@ladyMJ wrote:

@Anonymous wrote:

@ladyMJ wrote:

Smiley SadSmiley SurprisedSmiley Frustrated

 

Ahhhh the anxiety!

 

I was preapproved for the Venture so I apped with a 698 Ex and took the 3 hard pulls last week. Status: Pending and I have to wait up to 2 weeks for answer.---Today I checked my EQ score (6 days later) it is 711!!!!!

 

Same story for the CSP. Pending app since the 18th, when they pulled I was just under 700.

 

What do I do??? I already suffered with APR i am sure on my new Amex Hilton Surpass (I got the highest one.)

 

Util is currently at 37% though somehow...I Guess some payments arent reporting.

 

I have the CSP pending but want to app for the Ritz. Would it be a good idea? I am so mad I didn't wait to apply for these cards until this week!!!!!!!!Smiley FrustratedSmiley Mad

 

Thoughts, suggestions?

 

 


No, don't apply for the Ritz until you hear about the CSP.  Even if you get approved, Chase, more than likely,  is going to want to see several months of usage on that card before applying for the Ritz.  There's nothing special about the current Ritz offer so there is no hurry.


Really? Is it because its a CSP? My fiance just apped 2 Southwest cards in same week and got approved. Also, I have the 140K bonus still......there is no expiration on my email.....but I have an invitation code and direct link for this bonus that was sent to me on 2/5/15

 


Right.  I forgot about your invitation.  It's up to you but if they're taking this long for the CSP approval, then there's a reason for the hesitation on their part so I wouldn't expect that they would just turn around and approve you for the Ritz.  If you had been insta approved for the CSP,  I wouldn't tell you the wait.  I actually don't understand why they can't give you an answer one way or the other now.  Chase usually knows right up front what they're going to do.

Message 6 of 12
Scupra
Super Contributor

Re: Score jumps 13 points AFTER I go on an App Spree!?? :(

Have you tried calling Chase?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 7 of 12
ladyMJ
Regular Contributor

Re: Score jumps 13 points AFTER I go on an App Spree!?? :(


@Scupra wrote:

Have you tried calling Chase?


Ya. I called again today....same pending story.....7-10 days......they see the app it just takes time??? I am baffled. Welp,  will wait. I should hear for sure within the week. Will update.

2/26/15: TU Fico (BarclayCard)- 721
2/18/15: EQ (CK)- 668
2/26/15: EX (EX.com)- 706

Message 8 of 12
Scupra
Super Contributor

Re: Score jumps 13 points AFTER I go on an App Spree!?? :(


@ladyMJ wrote:

@Scupra wrote:

Have you tried calling Chase?


Ya. I called again today....same pending story.....7-10 days......they see the app it just takes time??? I am baffled. Welp,  will wait. I should hear for sure within the week. Will update.


That stinks! Was hoping you could speed up the process haha Good luck!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 9 of 12
ladyMJ
Regular Contributor

Re: Score jumps 13 points AFTER I go on an App Spree!?? :(


@Scupra wrote:

@ladyMJ wrote:

@Scupra wrote:

Have you tried calling Chase?


Ya. I called again today....same pending story.....7-10 days......they see the app it just takes time??? I am baffled. Welp,  will wait. I should hear for sure within the week. Will update.


That stinks! Was hoping you could speed up the process haha Good luck!


APPROVED for 9K! YAY!!!!!!!!! No verification or anything...It just took time like they said Smiley Very Happy

2/26/15: TU Fico (BarclayCard)- 721
2/18/15: EQ (CK)- 668
2/26/15: EX (EX.com)- 706

Message 10 of 12
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