Hey Guys,
I just wanted to report the outcome from my Application Spree, the initial thread on my proposal is below with my stats and all in it. Turns out my Equifax still has a minor collection on it that I thought was removed (DCU told me).
http://ficoforums.myfico.com/t5/Credit-Card-Applications/Am-I-Ready-For-Apping-Again/td-p/3741588
1st) Barclay's US Airways for the 50k miles - Instant Approval $15,000
2nd) DCU for Platinum Visa - Pending/Anaylst then asked for Paystub today - Approved for $7500 at 11.9%, Analyst was very nice and said they start out low, wait about 6 months and call for higher CL and better APR. He saw all my other lines and was impressed, said I should have no reason not to be in high 700s in a few months
3rd) PenFed Promise - Went to Analyst - Woke up to email saying approved but wanting me to pick PIN number, logged in and did that - $22,000 but at 13.9%
4) Chase CSP - Pre Approved then pending for security - Called this morning $18,000
5) Chase AARP - Had seen this one a month or two ago and agreed it was very under talked about as I eat out a lot, also firm believer in always 2 applications with Chase and this was perfect 2nd one with no AF - Also pended, then declined after my 2nd app. guessing I hit my limit for now with Chase? Was offered to move from another card to get pushed through. I said if that was the only way then move $1k over. Asked me to confirm income etc and confirmed she wasnt doing another HP, She then said she would just recommend they approve me for $1k, logged in tonight and was done though. Should I have said more? I think I will take it and be happy lol
6) American Express Blue Cash Preferred - Did this for the backdating, instant approved for $7500. Meant to only do regular cash with no AF. Called up and they said call back in a month and they will fix.
Questions:
1) Does PenFed Recon on APR?
2) Can PenFed do a LOC application with same HP?
3) Should I worry about low limit on AARP?
Thanks everyone for all of your help and hope these data points help others!
Started: 4/14 Bank of America Signature $6k, 85% Utilization, 745 Fako
Currently: 6/18 Bank of America Signature $99.9k, Chase Slate $0, Chase Freedom Signature $2.5k, American Express Gold NSL, American Express Everyday $6k, Lowes GE $0 (From $35k), Discover IT $38.5k, Capital One Quicksilver $5k, Barclays US Airways $24k, DCU Platinum $30k, PenFed Promise $47k, Chase Freedom Unlimited Signature (From CSP) $50k, Chase AARP Signature $7.5k, American Express Blue Cash $7.5k, Citi American Airlines Platinum $10.5k, Capital One Venture Signature $30k, Chase Sapphire Preferred (From Reserve) $12k, Chase Ink Business Preferred $10k, Barclays Aviator Business $14k. Total Available Credit: Over $350k, Utilization 4%, AAoA 7 Years, TU Fico 799, EX Fico 727
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
