@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@xaximus wrote:
Congrats on the approvals! I would definitely garden after the Cap1 card!
Thanks ! If Cap One ends up approving the Venture Card application, I just might relax for awhile and not apply for anything else for the next 6 months+, but not sure. I still do really want to get a AMEX revolver to go along with my Gold Card. By the way... How do you like that Amex Cash Magent card ?
UPDATE: 12/18 ...
I just now pushed my run of lock a step further and applied for the Amex Cash Magnet Card.. APPROVED !!!
I am a happy camper... So, in the space of less than two days:
* AMEX GOLD CARD = Approved !!!
* AMEX CASH MAGNET CARD = Approved !!!
* BANK OF AMERICA CASH REWARDS CARD = Approved !!!
* CAPITAL ONE VENTURE CARD = Application Decision Pending in 7-10 Days
EX: 664 ( dropped only 2 points for new inquries so currently at 662 )
TU: 678
EQ: 684
Just to update everyone... 12/21
My approval spree has added another notch !!!
Today I applied and was APPROVED for the BOA PREMIUM REWARDS Card with CL of $7,500
The other good thing is the BOA did a Soft Pull for this since I already got approved for their CASH REWARDS card 5 days ago.
* Comes with 50,000 Rewards Points if $3000 is spent in the first 90 Days. ( a $500 value ) ...
That's a pretty easy spend number to hit, especially since I got a big extended international vacation coming up soonish.
This BOA PREMIUM card goes nicely with the BOA CASH REWARDS card I was approved for 5 days ago with a CL of $5,500
* Comes with $200 in Cash Rewards if $500 is spent in the first 90 days.
My application for the CAP ONE VENTURE Card from 5 days ago still under review in their 7-10 window...
I call the automated Application Status line each day to check, but from what I've read they are usually pretty much spot-on in keeping their 7-10 window, 7-10 days. From what I read from folks on this forum, 7-10 days thing is fairly typical for CAP ONE now on days in slowing down some of these Instant Approvals on their card(s). That makes me at least a tiny bit less worried, but still worried none the less...LOL. As I stated earlier, I already have two PLATINUM Cards with them for 2 years, and have not missed any payments during that time, so I am still "hoping" that will count in my favor.
Eitherway, it's been a good run this week for me with approvals. And even though I just got my AMEX Gold Card in the mail the other day and I am more than happy with it, I still am considering going for the Amex Platinum today - regardless of the higher Annual Fee... If I get PLATINUM approval, I will be very very very comfortable in the "garden" for more than a few years.
* AMEX GOLD CARD = Approved !!!
* AMEX CASH MAGNET CARD = Approved !!!
* BANK OF AMERICA CASH REWARDS CARD = Approved !!! $5,500K
* BANK OF PREMIUM REWARDS CARD = Approved !!! $7,500K
* CAPITAL ONE VENTURE CARD = Application Decision Pending .. 5th day of the 7-10 Day window.
UPDATE 12/27 .... Here's my successful run since started these applications on 12/16
* AMEX GOLD CARD = Approved !!!
I am not sure of my SL. I am too scared to try that "Check Spending Power" tool on the website in fear of trigging a finanical review. LOL I want to purchase first class plane tickets for about $10K, but I have no clue of whether they will approve my first purchase of that amount or not... I'm flying blind here. Any thoughts ?
* AMEX CASH MAGNET CARD = Approved !!! $1,000K...
This is a disappointing starting limit, but I guess even though they let me back into the Amex family, I still have to rebuild some trust. I can try for a 3X CLI after 61 days according to what I read on this site, but I might let it be for 6 months and then try.
* BANK OF AMERICA CASH REWARDS CARD = Approved !!! $5,500K
Totally happy with this. Great to have rebuilt my relationship with BOA by maintaining my Checking account in good order for several years, and getting my FICO back to a more respectable level.
* BANK OF PREMIUM REWARDS CARD = Approved !!! $7,500K
Totally happy with this, a litte surprised they approved this even after they approved the me for the CASH REWARDS card two days prior. No compliants here...lol
* CAPITAL ONE VENTURE CARD = Approved !!! $30,000K
Rebuilt my credit with Cap One by paying on time for two years on two of their Platnium cards. Now I go from only $4000 in total credit across my two Platinums, to $30K on the Venture, plus I still keep get to the Platinums.. I am stunned at the CL on the Venture to say the least. By far the biggest CL I have ever had on any card.
I am ready for the garden, but I am now a little tempted to do one FINAL application. That would be for the FIDELITY CASH REWRDS Visa that they sent me an offer for. Since I already have a sizeable Brokerage and Cash Management account with Fidleity, I think getting an approval on this offer would almost be a lock, and would probably give me a big CL since I have a lot of funds at Fidelity. Elan manages the card for them though, and I heard a ton of compliants about Elan's customer service. However, I would not be using this card all that much. Just looking to get the $150 Cash back Bonus offer, and Unlimited 2% Cash Back on all purchases, and NO Annual Fee... And if I get that big CL it will be nice padding for my overall credit card profile going forward I think..
NEWEST UPDATE : 01/01/19
=======================
FIDELITY CASH REWARDS Visa APPROVED !!! - $12,500K CL
I applied on 12/27, and got one of those "need 7-10 days to process application" messages. However, today, News Year's Day, I checked my Fidelity Investments online account, and I see that Elan Finanical has upload my new Visa into the credit card tab on my accounts window on the Fidleity site. ! I should be receiving the actual card within the next week or so I guess.
Very pleased with the $12,500 CL, although I was hoping it would have been as high as $20,000K, given the size of my overall portfolio. But no worries, I will be happy with this and wait for them to give me an increase down the road.
So, quick recap...
Since 12/16/18 ( 17 days ), I have been APPROVED for six new cards, and $59,500 overall in available revolving credit + my whatever my AMEX GOLD CARD charge Spending Power is.
*AMEX GOLD CARD - Approved for Unknown Charge Spending Power + $3,000 Pay-Over-Time CL
*AMEX CASH MAGNET CARD - Approved for $1,000 CL, but will seek 3x CLI after 61 days.
*BANK OF AMERICA CASH REWARDS CARD - Approved for $5,550 CL
*BANK OF AMERICA PREMIUM REWARDS CARD - Approved for $7,500 CL
*CAPITAL ONE VENTURE CARD - Approved for $30,000 CL
*FIDLEITY INVESTMENTS CASH REWARDS CARD - Approved for $12,500 CL
I was going to relax in the garden after I applied for that Fidelity Cash Rewards card back on the 27th, but yesterday I started to consider one FINAL application.. Either the DISCOVER It CARD, or the WELLS FARGO PROPEL AMEX CARD. I decided to go for the Wells Fargo Card yesterday ( 12/31/18 ). I did not get an instant approval, but they placed it into "Pending" status. Whether they approve it or not, I definately promise myself to relax in the garden after that... LOL
Stay tunned..
Started with a FICO trio of.... EQ: 684 TU: 678 EX: 664
Currently FICO trio of.... EQ: 684 TU: 679 EX: 662
So, my TU actually went up 1 point after putting 3 new inquires on it... Go figure.
AAoA : 10.5 years
Will see how my score look after all these new accounts are actuall reported to the bureus later this month as open accounts.
