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App & CLI Spree Success. 9/9. CSP/TYP/PRG/Freedom/Fidelity/BofA/PayPalExtras/Discover/WellsFargo

tag
vpae
Established Contributor

App & CLI Spree Success. 9/9. CSP/TYP/PRG/Freedom/Fidelity/BofA/PayPalExtras/Discover/WellsFargo

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

  • CSP 7-10 msg, called back door, further reviewed, Approved $10K. Pulled EX & EQ
  • Citi TY Preferred 7-10 msg, Approved $10K. Pulled EX.
  • Chase Freedom, Instant Approval $13K. Pulled EX & TU
  • Amex PRG 7-10 msg, Approved. Pulled EX
  • Fidelity Rewards Investment Amex, 7-10 msg, Approved $12.5K. Pulled EX
  • BofA Cash Rewards CLI. Approved $4K CLI online. Called analyst and approved $7.9K more for a total of $11.9K CLI on one HP. Pulled TU. New CL is $15K.
  • PayPal Extras MC, asked to call to finish app. Verified info via text message. Approved for $3K. Called backdoor next day and was approved for $7K CLI, new limit is $10K. Pulled TU.
  • Discover IT CLI. Approved $4.9K via SP after talking to analyst, allowed HP, approved another $7.1K for a total of $12K CLI. Pulled TU. New CL is $15K.
  • Wells Fargo Visa Signature 5-7 msg, Approved for $8K. Pulled EQ.


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! Smiley Very Happy

 

*Fixed Typos*

12/19/19 06/11/20 07/02/20
Total CL: $708,900. Largest CL: Amex Bonvoy Brilliant $70K. Apple Card $40K. Chase Ritz Carlton $35K. Mouseover for individual CLs
Message 1 of 34
33 REPLIES 33
djc1puno
Valued Contributor

Re: App Spree & CLI Success. 6/6. CSP/TYP/PRG/Freedom/Fidelity/BofA

wow! massive score! congrats! Smiley Happy



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 2 of 34
Anonymous
Not applicable

Re: App Spree & CLI Success. 6/6. CSP/TYP/PRG/Freedom/Fidelity/BofA

Grats! Nice approvals!
Message 3 of 34
Anonymous
Not applicable

Re: App Spree & CLI Success. 6/6. CSP/TYP/PRG/Freedom/Fidelity/BofA

Wow! That's a serious haul! Congratulations!
Message 4 of 34
azguy13
Senior Contributor

Re: App Spree & CLI Success. 6/6. CSP/TYP/PRG/Freedom/Fidelity/BofA

Thats impressive, Congrats! Now plant those seeds and let them grow

Message 5 of 34
myjourney
Super Contributor

Re: App Spree & CLI Success. 6/6. CSP/TYP/PRG/Freedom/Fidelity/BofA

Amazing congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 34
MsLadyRover
Valued Contributor

Re: App Spree & CLI Success. 6/6. CSP/TYP/PRG/Freedom/Fidelity/BofA

Very awesome spree results.  Congratulations to you!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 7 of 34
emptypockets
Valued Contributor

Re: App Spree & CLI Success. 6/6. CSP/TYP/PRG/Freedom/Fidelity/BofA

Nice haul, you got some nice CL's there!


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797
Message 8 of 34
eddie84
Valued Contributor

Re: App Spree & CLI Success. 6/6. CSP/TYP/PRG/Freedom/Fidelity/BofA

Nice!  And those scores!  I wish I were in the 800 club. lol

Message 9 of 34
lg8302ch
Senior Contributor

Re: App Spree & CLI Success. 6/6. CSP/TYP/PRG/Freedom/Fidelity/BofA

6 x congrats!  what a successful and impressive spree ..Smiley Happy

Message 10 of 34
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