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Spree vs Snail

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CreditCuriosity
Moderator Emeritus

Re: Spree vs Snail


@jesseh wrote:

I couldn't wait and called verification right away. Approved for 12k Smiley Happy

 

So, IHG next...


Congrats!  Guess that answered my question

Message 31 of 66
Creditaddict
Legendary Contributor

Re: Spree vs Snail

Wow fantastic!
And that's why I say spree with all the banks!!!
Message 32 of 66
CreditMagic7
Mega Contributor

Re: Spree vs Snail


@Creditaddict wrote:
Wow fantastic!
And that's why I say spree with all the banks!!!

+1

Sound Advice!!

Message 33 of 66
jesseh
Frequent Contributor

Re: Spree vs Snail

IHG instant approval with a 12k SL!

Smiley Happy

 

Ok this is going pretty well!

 

The application approval says "If you'd like a different credit line, you can discuss your options with a Customer Service specialist by calling[..]". I shouldn't do this straight away, right?

Cards: BCE 24k 5/'17 | CF 12k 10/'15 | IHG 12k 10/'15 | HH 6k 6/'18 | DS It 6k 3/'15 | TR 5k 11/'15
Scores: 760-770 | Inquiries: 0-1 | Utilization: 0-10% | AAoA: 3yrs | Bank: Ally | CU's: Navy & Pentagon
Message 34 of 66
Creditaddict
Legendary Contributor

Re: Spree vs Snail

I wouldn't recon those lines but I would get cap1 and Amex!!
Message 35 of 66
jesseh
Frequent Contributor

Re: Spree vs Snail

Does Chase ever approve a third card in a day, or is apping for the freedom a long shot?

 


 

then, other possible banks ( I could just do that tomorrow, no need to do it today right?)

Not going for Cap1, they don't ship cards overseas, I travel a lot so doesn't sound like my bank. (Chase and Discover however are very friendly for sending documents internationally.)

Amex & barclays are definitely an option, Citi has pretty poor customer service on most cards..

Cards: BCE 24k 5/'17 | CF 12k 10/'15 | IHG 12k 10/'15 | HH 6k 6/'18 | DS It 6k 3/'15 | TR 5k 11/'15
Scores: 760-770 | Inquiries: 0-1 | Utilization: 0-10% | AAoA: 3yrs | Bank: Ally | CU's: Navy & Pentagon
Message 36 of 66
Creditaddict
Legendary Contributor

Re: Spree vs Snail

Chase sometimes will do 3.
Message 37 of 66
jesseh
Frequent Contributor

Re: Spree vs Snail

App'ed for the Freedom

Got the 10/30 day message online.

 

App status line gives 7-10day message..

Leave it alone to probably decline? Call fraud/verification? When?

 

edit: I just got an alert 5min ago TU was pulled

Cards: BCE 24k 5/'17 | CF 12k 10/'15 | IHG 12k 10/'15 | HH 6k 6/'18 | DS It 6k 3/'15 | TR 5k 11/'15
Scores: 760-770 | Inquiries: 0-1 | Utilization: 0-10% | AAoA: 3yrs | Bank: Ally | CU's: Navy & Pentagon
Message 38 of 66
OmarGB9
Community Leader
Super Contributor

Re: Spree vs Snail

7-10 isn't promising...but stranger things have happened. But whatever you do DON'T CALL and leave it alone, yes.

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 39 of 66
jesseh
Frequent Contributor

Re: Spree vs Snail

Can calling verification/fraud (not credit analyst/recon) hurt?
Cards: BCE 24k 5/'17 | CF 12k 10/'15 | IHG 12k 10/'15 | HH 6k 6/'18 | DS It 6k 3/'15 | TR 5k 11/'15
Scores: 760-770 | Inquiries: 0-1 | Utilization: 0-10% | AAoA: 3yrs | Bank: Ally | CU's: Navy & Pentagon
Message 40 of 66
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