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App Spree Gemini, Venture X, Apple Card, and CLIs

AI_JMV
Regular Contributor

App Spree Gemini, Venture X, Apple Card, and CLIs

Out of the garden with a bang, and pulled out the following highs and lows:

 

1. X1 Approved 30.5K imaginary SL (more on that here)

2. Venture X - Denied

3. NFCU Flagship - Denied (recommended I try their secured card lol; reconned with documents and they "stand by their decision blah blah"

4. Gemini - Approved 20K SL

5. Apple Card - Have been approved for 9K for a while; finally accepted the offer to salve my wounds from the Cap and NFCU declines

6. CLI Paypal MC from 10k to 20k

7. CLI Amex BCP from 30K to 50K

8. CLI CareCredit from 14,4k to 20k

9. CLI NFCU Cash Rewards from 5,5k to 11,5k

10. Citi Costco Anywhere - Approved $16,5k SL

 

DPs: 2/24; Scores are up to date; PIF each month, but two cards are reporting balances because they haven't updated yet. Back in the garden I go.  Decided to close all of my NFCU accounts out of spite. I am just not the one for them, and clearly vice versa! 

 

**UPDATE** I went to close my NFCU accounts and saw the CLI that I asked for on my Rewards card was approved, so I have been suckered into keeping it.  For now...

 

Added the CLI to above.

 

**2nd UPDATE** I couldn't take the Venture and NFCU denials so I aped into one last app.. Citi Costco. Updated with Approval and SL.

Sept 2022 EQ-825 TU-840 EX-830
UTIL: 1%
Message 1 of 17
16 REPLIES 16
Stealth-1
Frequent Contributor

Re: App Spree Gemini, Venture X, Apple Card, and CLIs

Congrats on the mostly approvals and very nice credit limit increases. I see a nice 8-2 won/loss record here. 👍 Again, sorry about the terrible X1 experience you had.




"If you don't stand for something, you might fall for anything."
Message 2 of 17
805orbust
Valued Contributor

Re: App Spree Gemini, Venture X, Apple Card, and CLIs

Yeah, definitely congrats are in order.  This sure makes up for that crazy X1 situation. 🙂


Message 3 of 17
WasteMgmt
Member

Re: App Spree Gemini, Venture X, Apple Card, and CLIs

Congrats on the approvals. I hope to follow suit like you and get a CLI for my BCE to 50k at the 91 day mark. Did Amex ask for proof of income?


CapitalOne Venture X, CapitalOne Quicksilver, Chase Sapphire Preferred, Chase Freedom, Amex BCE, Wells Fargo Autograph
Last application 9/2022, back to the garden until...
Message 4 of 17
CYBERSAM
Valued Contributor

Re: App Spree Gemini, Venture X, Apple Card, and CLIs

Congrats on all the approvals! Nice run 🤑👍👍




Message 5 of 17
AI_JMV
Regular Contributor

Re: App Spree Gemini, Venture X, Apple Card, and CLIs


@WasteMgmt wrote:

Congrats on the approvals. I hope to follow suit like you and get a CLI for my BCE to 50k at the 91 day mark. Did Amex ask for proof of income?


I have my bank connected to them, so they know my income. I have been asked for my tax returns in the past as well, which I have provided them, so they know my finances well enough.

Sept 2022 EQ-825 TU-840 EX-830
UTIL: 1%
Message 6 of 17
KingRue8500
Valued Contributor

Re: App Spree Gemini, Venture X, Apple Card, and CLIs

Congrats on your approvals & CLI's



Message 7 of 17
Traveler101
Frequent Contributor

Re: App Spree Gemini, Venture X, Apple Card, and CLIs


@AI_JMV wrote:

Out of the garden with a bang, and pulled out the following highs and lows:

 

1. X1 Approved 30.5K imaginary SL (more on that here)

2. Venture X - Denied

3. NFCU Flagship - Denied (recommended I try their secured card lol; reconned with documents and they "stand by their decision blah blah"

4. Gemini - Approved 20K SL

5. Apple Card - Have been approved for 9K for a while; finally accepted the offer to salve my wounds from the Cap and NFCU declines

6. CLI Paypal MC from 10k to 20k

7. CLI Amex BCP from 30K to 50K

8. CLI CareCredit from 14,4k to 20k

9. CLI NFCU Cash Rewards from 5,5k to 11,5k

10. Citi Costco Anywhere - Approved $16,5k SL

 

DPs: 2/24; Scores are up to date; PIF each month, but two cards are reporting balances because they haven't updated yet. Back in the garden I go.  Decided to close all of my NFCU accounts out of spite. I am just not the one for them, and clearly vice versa! 

 

**UPDATE** I went to close my NFCU accounts and saw the CLI that I asked for on my Rewards card was approved, so I have been suckered into keeping it.  For now...

 

Added the CLI to above.

 

**2nd UPDATE** I couldn't take the Venture and NFCU denials so I aped into one last app.. Citi Costco. Updated with Approval and SL.


Guess we know who's buying dinner. Congratulations!

Message 8 of 17
NoMoreE46
Community Leader
Valued Contributor

Re: App Spree Gemini, Venture X, Apple Card, and CLIs

Heckuva run @AI_JMV .

 

Message 9 of 17
babygirl1256
Valued Contributor

Re: App Spree Gemini, Venture X, Apple Card, and CLIs

Congrats on your spree . . . that's sweet!!! Smiley Wink

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 10 of 17
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