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App spree -- Discover and Citi Costco Approvals

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App spree -- Discover and Citi Costco Approvals

I closed on my home last month and now have been on a bit of a CC app spree. I went through quite a bit of financial messiness about 10 years ago with the crash of the housing market and then a financially messy divorce.  I had a foreclosure and about $100K in CC debt go into charge off status due largely to my ex-husband's financial practices that he was ordered to repay, but didn't.  I have no idea what my credit scores were at their worst, but I would guess low 400s after having 780+ credit for most of my adult life.  It took me a few years to even begin to face the reality of my credit situation, but I started working hard about a year ago to rebuild.  Many of the badies fell off within the last year or so.  Last April, I got my first secured Cap1 CC with a $200 CL (bumped up to $500 after 6 on time payments) - FICO 8 scores were in the mid- to upper-500s.  In October, I got an unsecured Cap1 CC with a $500 limit (bumped up to $750 after 6 on time payment) -- FICO 8 scores were in the low-600s.  

 

Between October 2018 and May 2019, my FICO 8 scores went up to the high 600s/low 700s due to some very good advice here.  I got a great rate on my mortgage.  Once I closed on my house, I decided to apply for a few CC (largely for the rewards associated with them).  Here are the results:

 

Citi Costco Anywhere - $7000 limit.  Immediate online apporoval. (HP EX 685 and EQ 702)

Discover IT - $12,000 limit.  I was nervous about this one because I had a fairly high Discover balance CO back in approx. 2011.  I did not get immediate online approval and received a message to call in.  I thought for sure I was going to get a denial, but after I verified a few pieces of information, I was approved! (HP EQ 700 and EX 677)

AmEx - Denied.  I was pretty sure I was on the blacklist due to a prior CO, but because they don't do a hard pull in that situation, I applied after pre-approval just to see.  Immediate denial and then I received a call from AmEx re my prior CO.  Ugh.

Chase Sapphire Preferred -- Still waiting.  I initially got an email saying that they would be back in touch soon with a decision, then a 30 day message when I called in.  The 30 day message changed to a 7-10 day message after a couple of days, which from what I have read means a likely denial.  I called a spoke with someone who said that they needed to verify some information, which I provided, then she said I would hear in a couple of weeks.  The message when I call in still says 7-10 days, so no idea what that means.  At this point I'm expecting a denial, but I guess time will tell.  (HP EX 678)

 

Regardless, I'm very happy with the Disco and Citi approvals and have gotten what I was looking for - to increase my credit lines and have some rewards associated with the cards.  So back to the garden for me.

14 REPLIES 14
Valued Contributor

Re: App spree -- Discover and Citi Costco Approvals

COngratulations on your new home and successful rebuild thus far.  Those approvals are solid!  Can only go up from here! 




UNpopular opinions have served me well and will offer that which has worked for me.
Message 2 of 15
Community Leader
Super Contributor

Re: App spree -- Discover and Citi Costco Approvals

Congrats on your approvals there

Message 3 of 15
Super Contributor

Re: App spree -- Discover and Citi Costco Approvals

"I'm very happy with the Disco and Citi approvals and have gotten what I was looking for - to increase my credit lines and have some rewards associated with the cards."

Message 4 of 15
Valued Contributor

Re: App spree -- Discover and Citi Costco Approvals

Congrats on your new cards, and congrats on the new home!!
Message 5 of 15
Frequent Contributor

Re: App spree -- Discover and Citi Costco Approvals

Congrats on the approvals!

Message 6 of 15
Community Leader
Valued Contributor

Re: App spree -- Discover and Citi Costco Approvals

Those are sweet SLs! Congrats on those AND on the new home!!
Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
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Once you go Berner, you never go back.
Message 7 of 15
Valued Contributor

Re: App spree -- Discover and Citi Costco Approvals

Congrats on your approvals and the difficult comeback....keep up the good work.....Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(18k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (10k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (4.5k✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 693(7) EQ 687(9)TU 708(10)
AAOA 4yrs TCL=332,600
Message 8 of 15
New Contributor

Re: App spree -- Discover and Citi Costco Approvals

Congratulations. Both are very nice SL. Wish Disco was that nice to me at the beginning. In another 6 months, you should be in a better position for another spree. GL.
Message 9 of 15
Valued Contributor

Re: App spree -- Discover and Citi Costco Approvals

Congrats on the new cards and new home!




Message 10 of 15
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