App Spree Success and Failure, Help!

[Anonymous]

My scores jumped yesterday and went on a spree with some help from people on the board. 

TU-720 EQ-697 EXP- 733

My only card previous to the spree was a Cap One QS1 that I upgraded from Plat last week with 3k limit. 

1.) Chase Freedom approved through Pre-Qual for 6k CL at 23.24% 

2.) Chase Marriott Rewards cold app online, they said they received my app. No other info given, I have been advised NOT to call. 

3.) NFCU Platinum approved for 25k CL at 9.24% over the phone.

PLEASE NOTE- While on phone I said I wanted a Cash Rewards Card as well and the CSR said I could apply now. I asked about the additional HP and she said there would be no additional pull. I know this goes against everything I have heard here, but I had her go ahead and put the app through. Not surprising I got the further review message. Called again this morning to see if they did additional pull and they did!! They are looking into what the CSR told me and will get back to me. Also, sent in last pay stubs to try and up the 25k CL as advised from official NFCU Guideline posted by CreditAddict. Yes, greedy but why not? 

4.) Cap One got the 7-10 day message for Venture and then denial for QS. Odd because I used pre app site and had solid low APR of 13.24% for both. They may want to confirm info on Venture, but not sure if I should recon QS. Could use some advice here....

Thank you 

[Anonymous]

Grats on your successful Chase Freedom app.

I'm on my phone and don't have lots of time to respond atm. As we all know prequals aren't approvals.. but another member just had a similar situation with Cap1...

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Which-one-do-I-app-for/td-p/4462937/page/2

I find it strange too since their prequals are usually pretty solid. I know this doesn't help much but thought I'd post it.

[Anonymous]

Thanks, the link you provided is to my post from yesterday on the Credit Card Apps forum. Thought I would post updated info here regarding approvals and hopefully next steps for Cap One issues. Planning to wait out Chase Marriott app and see what they say. 

[Anonymous]

Oh durrrr okay that teaches me to respond with no sleep in 24 hours and work lol! I apologize!

I would be really frustrated with NFCU seeing as how they HP'd you twice that's for sure.

[Anonymous]

They are getting back to me on that. Sounds like they are willing to remove one HP but I would have to cancel the second app. Still deciding what to do, but thought it was worth a shot when the CSP sais I would only have one pull. 

[Anonymous]

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@Anonymous wrote:

They are getting back to me on that. Sounds like they are willing to remove one HP but I would have to cancel the second app. Still deciding what to do, but thought it was worth a shot when the CSP sais I would only have one pull. 

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That would make sense that you may need to cancel the 2nd app. As for the CSP should be only the 1 pull on EX.

For Cap1 I would wait to see what the denial reason is... or are. I believe a recon with them would mean another 3 HP's. Hopefully the Venture went through okay... but yeah I would hold off till you get your answers from them before deciding for sure.

[Anonymous]

Of all my apps, the only HP reporting is my EQ from Cap One (ofcourse the only one showing my CO). Anyone know how long it takes for each bureau to update?

[Anonymous]

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@Anonymous wrote:

Of all my apps, the only HP reporting is my EQ from Cap One (ofcourse the only one showing my CO). Anyone know how long it takes for each bureau to update?

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Have you pulled oyur reports directly and not seen the hardpulls instead of waiting for an update?  The updates can tke a few days...

[Anonymous]

Congrats on your approvals.  I applied for Chase Freedom and Nfcu back in August. I went back to look at my alerts and both reported within a couple of days.  

Something I noticed with Capital 1seems to be happening with you too.  When I did my app sprees, I would check the pre-qualifier from all sites.  Every time I have applied for a cc, I would lose the cap 1 pre-qualifier.  This happened in August and November.  Amex takes forever to report a new account.  The account I opened in November finally reported in January. I lost my Cap 1 pre-qualifier again in January After Amex reported.  I checked Cap 1 tonight and only have a Qs offer, not Venture.  I usually qualify for both.  I am not concerned because I don't want either card. I just thought I would let you know the pattern I have seen from them.  

[Country_Feller]

Congratulations!!!