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1st App Spree! Over I think...

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Anonymous
Not applicable

Re: 1st App Spree! Over I think...

Congrats on your spree!
Message 11 of 26
Anonymous
Not applicable

Re: 1st App Spree! Over I think...

Update... Made the calls
Barclays - short file/too many Inquiries
Chase - being reviewed by EO
CitiBank - being reviewed by EO
Message 12 of 26
Anonymous
Not applicable

Re: 1st App Spree! Over I think...

Congrats on the approvals..

Message 13 of 26
Anonymous
Not applicable

Re: 1st App Spree! Over I think...

awesome

Message 14 of 26
Anonymous
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Re: 1st App Spree! Over I think...

Thanks everyone! Really happy about AMEX approval! Everything else is just icing on the cake! Seeds planted! Now time to garden! Also, anyone have info on CLI on my new cards when to hit the luv button etc. TIA
Message 15 of 26
Anonymous
Not applicable

Re: 1st App Spree! Over I think...

Congrats on the approvals.

Message 16 of 26
GetMeSlick
Established Contributor

Re: 1st App Spree! Over I think...


@Anonymous wrote:

Venture - $5000

AMEX BCE - $3000

AMEX ED - $??? Pending b/c of BCE App Approval

Lowe's $2000

Walmart MC $2200

BoA Cash Rewards - $2000

Discover - Denied (Collection Acct on CR)

Sallie Mae World - Denied (? 7-10 Day Letter)

Chase Freedom - Denied (Collection Acct on CR)

CitiBank - Denied (Collection Acct on CR) 

 

No Accounts in NOV 2014. I didn't even know what a credit score was LOL! 2015 I have bought a Car! Just closed on my house! I dont know how many accounts I have now need to count but I going to the garden for 2 years!!! Unless someone sees something im missing that I might get approved for LOL! My INQ's are 10-15ish I believe. Love this site couldn't have done it without everyone's help! Love you guys! This is way better than Facebook!!!

 

NOV 2014 TU - 633 EQ - 725 EX - 632

MAY 2015 TU - 728 EQ - 716 EX -716 


Wow.. thats a great spree.. congrats oP.

4/2024 FICO TU-840|EX - 838|EQ -840
Total Credit - $535K+
Starting Score: 640
Current Score: 840
Goal Score: 850


Take the myFICO Fitness Challenge
Gardening since Mar/2024
Message 17 of 26
Anonymous
Not applicable

Re: 1st App Spree! Over I think...

was the collection account a medical or other?

Message 18 of 26
Anonymous
Not applicable

Re: 1st App Spree! Over I think...

what if i have just one open collections for a medical bill do you think they would deny my for that its only about 300.00 have 3 closed that were paid a couple years ago.

Message 19 of 26
Santi78342
Established Contributor

Re: 1st App Spree! Over I think...


@Anonymous wrote:
Thanks everyone! Really happy about AMEX approval! Everything else is just icing on the cake! Seeds planted! Now time to garden! Also, anyone have info on CLI on my new cards when to hit the luv button etc. TIA

Try reconning that Barclay card one or two more times. It's all about getting the right person on the phone and people have been approved after 3 or 4 attempts.

 

Now onto CLIs:

 

Venture - You can request online at any time, and as often as you'd like,  but I suggest waiting until 2 statements cut. Will always be a SP. May have to contact EO for request in the future. Try every 3-6 months.

 

BCE - You can request a 3x CLI at activation. Will always be a SP. I suggest waiting to see the outcome of the ED app because you may get a higher limit on that card and may want to try the 3x CLI with that card. If denied, you have to wait 90 days to submit another request. If approved, you have to wait 181 days to submit another request.

 

ED - Same as above ^^ It should be noted that you can only get ONE CLI every 6 months between ALL of your accounts!

 

Lowes - I believe you can call Credit Solutions (866-519-6441) ASAP and request one. (Always ask for 25k and say you're planning a remodel job at your home or something of the like) Not sure on frequency of CLI attempts.

 

Walmart - Unfamiliar

 

BofA - They like to see 6 months of usage and you can request one online. It will be a TU HP 99% of the time. Always ask for $25k and they will counter. If the computer doesn't grant the full amount requested, call in and speak with an analyst to manually review the request. I'm 2/2 for successful CLIs but only 1/2 on reconning for a higher amount. 

 

Good luck with the recon attempts! Smiley Happy

Message 20 of 26
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