@nuohlac wrote:Typical Amazon shopping with a Prime Rewards Visa and instant $100 gift card offered at checkout. A pre-qualification check was provided and I used it. Knowing this was be my best and possibly last chance of skirting around the 5/24 rule with BMO Harris not reporting I decided to app.
Instant approval: $14,600 SLTU: 778- This was a first for me Chase has always grabbed my EX.
UTI: 4%
AoYa: 1 month - BoA Premium Rewards reported on 3/31; nothing pertaining to BMO Harris has reported anywhere not even an HP.AAoA: 4 years 1 month
New Accounts 3/6, 5/12, & 5/24Inquries: 3/24
Income: 166k reported
I have an 11 year banking and credit relationship with Chase.
Update: EX- 780 was also pulled. I received the alert this morning.
@nuohlac Awesome, congrats on the great starting line!
I'b be curious to know what's happening with your Harris Bank inquiry (and lack of). Do you have any existing cards/ relationship with Harris Bank / BMO Harris?
@fury1995 wrote:
@nuohlac wrote:Typical Amazon shopping with a Prime Rewards Visa and instant $100 gift card offered at checkout. A pre-qualification check was provided and I used it. Knowing this was be my best and possibly last chance of skirting around the 5/24 rule with BMO Harris not reporting I decided to app.
Instant approval: $14,600 SLTU: 778- This was a first for me Chase has always grabbed my EX.
UTI: 4%
AoYa: 1 month - BoA Premium Rewards reported on 3/31; nothing pertaining to BMO Harris has reported anywhere not even an HP.AAoA: 4 years 1 month
New Accounts 3/6, 5/12, & 5/24Inquries: 3/24
Income: 166k reported
I have an 11 year banking and credit relationship with Chase.
Update: EX- 780 was also pulled. I received the alert this morning.@nuohlac Awesome, congrats on the great starting line!
I'b be curious to know what's happening with your Harris Bank inquiry (and lack of). Do you have any existing cards/ relationship with Harris Bank / BMO Harris?
I had no prior relationship with BMO and went into my local branch to open an account. During the process I was informed that I was pre-approved for three cards. I did not receive an HP alert when I opened the checking account either. The account was visible in the banking app the next day and remains there now. I just assumed they were members of the AMEX new account reporting methods. https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BMO-Harris-Platinum-Rewards-Mastercard-Approv...
