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TL;DR Below
It all started last Monday the 22nd when I apped for the CSP inside a branch and got the 7 - 10 day noticed. Probably due to my past charge off with Chase. I called and provided more info but it needed further review. I was finally approved with a $10K CL on the 25th, which matched the highest limit reporting on my reports at the time.
From there, instead of opening a GE store credit, I took the advice from many on here and decided to apply for a 0% apr intro card. Afraid that I wouldn't be approved for the Freedom after my recent scare, I went with a pre-qualified targeted offer from Citi for their TY Preferred. Got the 7 - 10 noticed. Called, needed to wait. This was the 27th.
At this point, I really needed to know if I can get a 0% card or not, so I pulled the trigger on the Freedom. Finally, an instant approval! $13K CL! My FNBO $15K CL had just posted that day. I couldn't believe that Chase extended me that much after the CSP, but thank you!
I wake up the next day with pre-approval notices from Amex for all of their charge cards. I only had the Amex Blue up until this point, but Amex must have SP'd and see that I applied for cards, so I decided between the Plat and the PRG. I applied for the PRG on the 28th and was told to wait for a decision. Again? Doh.
I also have a pre-approval email from Fidelity for their Investment Rewards Amex, and seeing its FIA (BofA), I figure I would be safe and applied. Got the 7 - 10 message. Okay, at this point I decided to stop. It's not happening.
Monday morning I wake up and I have an email from American Express saying that I was approved for the PRG. Feeling giddy, I called the back door number for FIA to check for status and he asked for my account number. I said I just applied and didn't have one. after giving him my information, he said that it looks like my account was just opened for $12.5K CL. Wow, nice. They went just below my current reporting TL.
I continued to check Citi everyday online just to be greeted by the 7-10 day message. I pulled all three reports and noticed almost everyone pulled EX. Annoyed by the fact that BofA hasn't given me a CLI in years and is the only bank this year of all my TLs that hasn't CLI me on a SP, I bit the bullet and went online yesterday and requested a HP CLI. My current limit was $3.1k, I asked for $15K to match my highest. The computer approved me for a $4K CLI only, bringing the card to $7.1K.
I woke up today and decided since BofA already did a HP, it wouldn't hurt to chat with an analyst. I called the backdoor number and spoke with someone and asked for $15K. He reviewed my info and said that the compute only gave me $4K because of the Fidelity Rewards Card by FIA is also backed by them and that they just gave me a $12.5K CL and that it was enough. But he said since he reviewed my report manually, he is able to approve me for the full $15K I asked for. Yes!
Finally, moments before making this post, I checked Citi online for the TY Preferred and was approved for a $10K CLI, again, matching what the CR showed at the time of the HP.
I definitely could have gotten higher limits with this spree if I waited just a bit longer but there were certain circumstances that prompted me to jump the gun a bit, but nonetheless, I'm very happy with the results. Thanks to everyone here for all the help and advise.
UPDATE: I wanted a GE backed (non store) card for CL sake so I went ahead and apped for The PayPal Extras MC just now. I'm not sure if this card typically starts off with a small CL but since I can get regular SP CLI, I'm ok with it as I read that it can grow. I got a $3K initial CL.
UPDATE 2: I wasn't thrilled about the $3K CL that GE gave me, so I called the backdoor analyst and got approved for a $7K CLI, the card, which should arrive soon, is now at a $10K CL.
UPDATE 3: I just called Discover and asked for a CLI. Account opened in 2011 at $1.5K. Back in May, I got it increased via a SP to $3K. I called just now, needed to talk to a credit analyst. Asked some questions and they could approve me up to $7.9K with a SP but since I asked for more and I'm hoping they pull TU (since that's what they pulled before), he did a HP, came back and approved me for a $12K CLI, bringing my CL to $15K!
UPDATE 4: This is it before I garden for ever. I was offered a pre-qualified offer with Wells Fargo after I refied with them and opened a checking/money market savings account. It is a WF Visa Signature Card. Apped on 8/1 and was given the 5-7 day message. Called today and was approved for $8K. Spoke with the rep to ask for CLI but was told to call CSR back when I got the card. Tried backdoor number and they are closed on weekends. Pulled EQ!
TL;DR
myFico Scores on 7/20 and the Inq I had within the past year were:
817 Experian 2 Inq
802 Equifax 1 Inq
776 TransUnion 2 Inq
Util was around 5% overall, with one card at 25%. No baddies.
I also took 2 more HP from DirecTV and Comcast on my EQ yesterday, but no one looks at that report anyway. But for now. 7/7! ![]()
*Fixed Typos*
wow! massive score! congrats! ![]()
Thats impressive, Congrats! Now plant those seeds and let them grow
Amazing congrats
Very awesome spree results. Congratulations to you!
Nice haul, you got some nice CL's there!
Nice! And those scores! I wish I were in the 800 club. lol
6 x congrats! what a successful and impressive spree ..![]()