4x Approved... UPDATE 5X

[smittyboy020]

Yes, I did. They asked for 3 months worth of bank statements. At the time, I was laid off. So I had no income. I didn't want to chance it.

[gdale6]

Excellent run, grats on your approvals

[-Wade-]

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@smittyboy020 wrote:

First of all, thanks to the board once again!!! With a few quick searches, I gathered all the info needed to move forward with this "spree".

AAoA - 3.25 years

Oldest account - 10 years

Overall UTL - 29% (97% in January)

myFico EX score: 711

Reported income - $60,000

EX inquires: 0 in the past 6 months, 3 in the past year, 8 total

Recent accounts opened: NFCU cashRewards 1/14, NFCU Navchek 2/14, Total Rewards Visa (last week and hasn't reported...EQ pull)

THE SPREE!! All online apps...

3/25 MB Amex Platinum - Instant Approval ('08 backdate)

3/25 (minutes later) Costco TrueEarnings Amex - Instant Approval (limit unkown) ('08 backdate)

3/25 (minutes later) CSP - Instant Approval - $9,000

3/26 JPM Ritz Carlton - Instant Approval - $13,300

Total EX Pulls - One from both Amex and Chase

Side note: I was FR'ed by AMEX on 9/13 because of a Paypal transaction. I cancelled my PRG and Everyday Cash (still has a $7.11 balance). We'll see what happens upon activation. Once my TU updates, I want to chance the Merrill + card. After that, I'm done till '16.

Question away!!!

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Congrats on your success

[Anonymous]

Do you know why the paypal transaction trigerred the FR from Amex? A wondering mind would like to know, because I do have my amex link to my paypal account.

[Stanic413]

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@smittyboy020 wrote:

First of all, thanks to the board once again!!! With a few quick searches, I gathered all the info needed to move forward with this "spree".

AAoA - 3.25 years

Oldest account - 10 years

Overall UTL - 29% (97% in January)

myFico EX score: 711

Reported income - $60,000

EX inquires: 0 in the past 6 months, 3 in the past year, 8 total

Recent accounts opened: NFCU cashRewards 1/14, NFCU Navchek 2/14, Total Rewards Visa (last week and hasn't reported...EQ pull)

THE SPREE!! All online apps...

3/25 MB Amex Platinum - Instant Approval ('08 backdate)

3/25 (minutes later) Costco TrueEarnings Amex - Instant Approval (limit unkown) ('08 backdate)

3/25 (minutes later) CSP - Instant Approval - $9,000

3/26 JPM Ritz Carlton - Instant Approval - $13,300

Total EX Pulls - One from both Amex and Chase

Side note: I was FR'ed by AMEX on 9/13 because of a Paypal transaction. I cancelled my PRG and Everyday Cash (still has a $7.11 balance). We'll see what happens upon activation. Once my TU updates, I want to chance the Merrill + card. After that, I'm done till '16.

Question away!!!

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This is awesome.  I'm impressed, congrats!

[smittyboy020]

Thanks everyone!!!  Couldn't have done it without this forum!!!

Small update...

- Called in for the limit on my TrueEarnings Amex : $2,300. Small, considering the other approvals, but more than enough for what I'm going to use it for.

- My old BofA Platinum Plus Visa: Requested a bump from $1,000 to $5,000 (Approved after an hour), and PC'ed to BankAmericard Cash Rewards™ Visa Signature (HP TU)

- Bumped my NFCU cashRewards card from $8,500 - $10,000 (requested $15,000) (SP) Only 2 statements in.

- App'ed for NFCU Flagship Rewards Sig (for kicks) - received the "Decision in 1 business day..." message. Surprisingly approved for $5,000 this morning. I was denied for this card 2 months ago. (HP EQ)

- Requested a Macy's AMEX "upgrade". Still pending.

Gardening for 2 years overall (home purchase). I'll app for a NO AF Amex next year for the backdate/sock drawer.

[smittyboy020]

No problem. Basically, I purchased a mic preamp from a friend, who was also an AU on my PRG. I used Paypal for the transaction. Him being an AU triggered it.  Lesson learned. 

[Uppingmyscore]

You on a roll....Congrats!

[smittyboy020]

Update: Last week, I requested a CLI and PC for my BofA Plat Plus Visa from $1,000 to $5,000, and was instanly approved. I checked my account today and noticed that my credit limit was $7,500!!! I can't complain! My little secured card has evolved!! 

And it looks like I dodged an FR from Sept '13. I cancelled 2 Amex cards (PRG and BCE) during the FR, then 6 months later, reapplied and was instantly approved. Even added my wife as an AU (again) with no problems. Had to call for verification and everything went smoothly. We'll see...

[B335is]

Congrats, amazing run and looks like you're good with Amex.