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A tale of wrong card being approved and other not so intelligent events - bout to blame UncleB

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Brian_Earl_Spilner
Credit Mentor

Re: A tale of wrong card being approved and other not so intelligent events - bout to blame UncleB


@Slabenstein wrote:

I'd be proud of those account names.  They're like when someone thinks of something good for a wi-fi network.


Mine is "Don't hack me, bro!" based on the don't tase me bro video

    
Message 11 of 57
Remedios
Credit Mentor

Re: A tale of wrong card being approved and other not so intelligent events - bout to blame UncleB


@Slabenstein wrote:

I'd be proud of those account names.  They're like when someone thinks of something good for a wi-fi network.


Smiley LOL

 

I always nickname accounts when there is more than one, I just thought that was for me only. 

When he said " What will name the new one" I sunk into the couch so deep, I'm not convinced I've been found yet 

 

Message 12 of 57
babygirl1256
Senior Contributor

Re: A tale of wrong card being approved and other not so intelligent events - bout to blame UncleB

Congrats on your approval.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 13 of 57
Slabenstein
Valued Contributor

Re: A tale of wrong card being approved and other not so intelligent events - bout to blame UncleB


@Remedios wrote:

@Slabenstein wrote:

I'd be proud of those account names.  They're like when someone thinks of something good for a wi-fi network.


Smiley LOL

 

I always nickname accounts when there is more than one, I just thought that was for me only. 

When he said " What will name the new one" I sunk into the couch so deep, I'm not convinced I've been found yet 

 


Now you know to name one "Hello Mr. or Ms. Lovely And Wonderful USB CSR Plz Give Me a 10k CLI K Thx Bye"


Message 14 of 57
kilroy8
Super Contributor

Re: A tale of wrong card being approved and other not so intelligent events - bout to blame UncleB

Funny story!

 

Congrats.

Message 15 of 57
simplynoir
Mega Contributor

Re: A tale of wrong card being approved and other not so intelligent events - bout to blame UncleB


@Brian_Earl_Spilner wrote:

@Slabenstein wrote:

I'd be proud of those account names.  They're like when someone thinks of something good for a wi-fi network.


Mine is "Don't hack me, bro!" based on the don't tase me bro video


Reading that reminded me of seeing this for the first time

 

282e7f9a833fc5b80099b7311a3d1911.jpg

Message 16 of 57
Anonymous
Not applicable

Re: A tale of wrong card being approved and other not so intelligent events - bout to blame UncleB

I love reading your approval threads lol. Congrats on scoring another card from them! Smiley Happy

Message 17 of 57
Jannelo
Frequent Contributor

Re: A tale of wrong card being approved and other not so intelligent events - bout to blame UncleB

A very entertaining story on your circuitous route to approval for the right/wrong (?) credit card.   It's a great MyFico Forum bedtime story for credit card approval addicts  -- I mean, enthusiasts. 

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL (CLOSED 2/2020)
Capital One Platinum (8/18) PC to Quicksilver (9/19) - $3800 CL
Capital One QuicksilverOne (3/19) - $4800 CL
Merrick Bank DYL VISA - No AF (6/19) - $1400 CL
Discover it Cash Back (9/19) - $2800 CL
Amazon Prime Store Card (4/20) - $10,000 CL
NFCU cashRewards (4/20) - $4500 CL
BB&T Spectrum Cash Rewards (5/20) - $3500 CL
Navy Federal More Rewards American Express® Card (3/21) - $9700 SL - at 9.65 %.
Experian FICO Score - 8/2018: 528

Experian FICO 8 Score - 9/2022 - 720
Equifax FICO 8 score 2/2022- 692
TransUnion FICO 8 score 10/2022 - 728
Experian FICO Mortgage Score - 725
Message 18 of 57
FinStar
Moderator Emeritus

Re: A tale of wrong card being approved and other not so intelligent events - bout to blame UncleB

Woohoo you GO gurl! 

 

CoNgRaTs! Heart   That story was EPIC btw Smiley Very Happy  A couple things, this whole thing of wrong app (queue for 30 days and all happened to me with 2 of thier biz apps almost 2 years ago -- branch error in submitting incorrect one). In the end it all worked out -- the approval is what counts + you get a SUB!  And, I also learned they can see the account nicknames just like 5/3 does Smiley Tongue

 

We'll skip the Ensure tonight!

 

Madonna.gif 

Message 19 of 57
UncleB
Credit Mentor

Re: A tale of wrong card being approved and other not so intelligent events - bout to blame UncleB

Even though I knew the story, it absolutely made my night getting to read it all over again!  Smiley Very Happy

 

IMHO that's not boss-level embarassing, but it's definitely "boss-level" - seriously, they love you!  worthy.gif

 

Before I go any further, congrats on the great approval (of course) - that's another awesome addition!  screamer.gif

 

Epic story aside, those are also some fantastic data points... today I learned:

 

1.  U.S. Bank has pre-approvals with set APR and credit line (I didn't know that before your experience).

2.  Thirty day rule if an app gets "stuck" due to frozen bureau, and first-in, first-out.

3.  I knew this part, but this is a great reminder that U.S. Bank analyst are actually pretty good to deal with!

 

Again, thanks for sharing your fantastic adventure and I'll happily take the "blame" for it being shared with everyone else! Smiley Tongue Smiley Very Happy Heart

Message 20 of 57
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