Hello All,
I have been lurking for a while and this is my first post….. Thank you ALL for the invaluable information I have learned/ still learning.
A little background:
Was laid off, maxed out cards, was only able to make minimum payments… Scores stayed around 622 – 630 for quite a while. Fast forward to a new job and paid down all cc debt in 3 months (UTIL 1%)…. Current scores: EX: 753 EQ: 716 TU: 699
Other details:
AAoA 6 years
1% UTIL
Some 30 day lates on car loan I co-signed for back in 2011 on EX, EQ & TU
(2 CA baddies on TU)
Also, I am in Northern California
Decided to go on my first spree and here are the results:
AMEX: App’ed for the BCE & ED Card. Was approved for $10,000 on the BCE, When I app’d for the ED cars I received the “Further review email” and immediately called the backdoor #... Rep told me that it was not a decline and that it will be processed in 5 days. Today is the 5th day and I was approved for $1,000. Still not sure if it was a 2nd HP.
Other approvals:
Bank of America Cash Rewards - $2,000 – Pulled EX
Received further review email. Called backdoor number and they needed to verify some information. Approved over the phone. Kind of stingy with the CL.
Amazon Store Card - $1,300 – Pulled TU
The last maxed out card that I paid down to 0 had not reported zero on TU yet. Possible reason for low CL.
Discover IT- $5500 – Pulled EX (What?! I was sure that they would pull TU)
Required that I upload License and SSC. I uploaded the documents and called the backdoor number the next morning. Verified some info, looked at uploaded documents then approved me.
Palteco Payback Rewards (Local credit union) - Requested/Approved $3000 – Pulled EX
Received further review email. Received approval email in 2 days.
Chase Freedom: Received further review email. Called backdoor number and credit analyst said that I had a CO in the system. Say what?!!! 
I told her that I was not aware of it. She said she would recommend approval but needed another sign off and that I would know within 2 weeks if I was approved. (Ummm, okay) Called the application status line and it stated that I will be notified in writing within 30 days. (Read a lot of posts that say if the automated lady says 2 week or 30 days it might be an approval and 7-10 days is a no go! Keeping my fingers crossed!) Will update!
Goodbye Capital One cards!!! Back to the garden for me… Maybe indefinitely…
Thanks again
@CreditTara16 wrote:Hello All,
I have been lurking for a while and this is my first post….. Thank you ALL for the invaluable information I have learned/ still learning.
A little background:
Was laid off, maxed out cards, was only able to make minimum payments… Scores stayed around 622 – 630 for quite a while. Fast forward to a new job and paid down all cc debt in 3 months (UTIL 1%)…. Current scores: EX: 753 EQ: 716 TU: 699
Other details:
AAoA 6 years
1% UTIL
Some 30 day lates on car loan I co-signed for back in 2011 on EX, EQ & TU(2 CA baddies on TU)
Also, I am in Northern California
Decided to go on my first spree and here are the results:
AMEX: App’ed for the BCE & ED Card. Was approved for $10,000 on the BCE, When I app’d for the ED cars I received the “Further review email” and immediately called the backdoor #... Rep told me that it was not a decline and that it will be processed in 5 days. Today is the 5th day and I was approved for $1,000. Still not sure if it was a 2nd HP.
Other approvals:
Bank of America Cash Rewards - $2,000 – Pulled EX
Received further review email. Called backdoor number and they needed to verify some information. Approved over the phone. Kind of stingy with the CL.
Amazon Store Card - $1,300 – Pulled TU
The last maxed out card that I paid down to 0 had not reported zero on TU yet. Possible reason for low CL.
Discover IT- $5500 – Pulled EX (What?! I was sure that they would pull TU)
Required that I upload License and SSC. I uploaded the documents and called the backdoor number the next morning. Verified some info, looked at uploaded documents then approved me.
Palteco Payback Rewards (Local credit union) - Requested/Approved $3000 – Pulled EX
Received further review email. Received approval email in 2 days.
Chase Freedom: Received further review email. Called backdoor number and credit analyst said that I had a CO in the system. Say what?!!!
Goodbye Capital One cards!!! Back to the garden for me… Maybe indefinitely…
Thanks again
Congrats and good luck on your new job.
