Greetings Everyone!
I recently stepped out the garden in August when doing my daily myfico forums reading. I discovered that I had a round of CLI requests to be performed. So I made my rounds...
-Amex Cash Magnet - started at $1000
Requested 3x and they countered with $2000 and I gladly accepted!
-NFCU Cash Rewards- started at $1000
Requested $25k and they put it under review, no notice given. I logged on and noticed my available credit was $3000. A 3x increase, thank you!
That was the end of my successful CLI's.
Well, since I took a HP for the NFCU CLI, I decided to apply for the Amex More Rewards and POI was requested, I provided 2018 tax return and bank statements but it resulted in a decline due to unable to verify income. My return did not show a full year's income. So these two HP's led me to have the thought process that I may as well try my luck.
I jumped on the BBT Express and was approved for $5000, my first Visa Signature!
I had app'd for SunTrust Rewards because of email invite and prequal. It was reviewed for verification. I provided documents at branch and was given my approval the next day. SunTrust Cash Rewards $4000!
The itch became stronger and more widespread. I just had to soothe it.
I then proceeded to follow the below list:
Citi Exxon/Mobil Business Card - Denied due to business being less than 3 years old
Gap Card- Denied due to length of time accounts have been established (Really want this card)
Barclay's Apple Card - denied due to excessive credit inquiries
Target RedCard - Approved $500
Just one more...(what I kept telling myself)
Synovus Travel Card - Opened an account and app'd for card, denied due to number of inquiries and new accounts
Just one more...(What am I thinking? Get ahold of yourself)
PNC Cash Rewards - denied due to too many recent accounts
Fifth Third Bank Truly Simple - Cold app'd and denied due to inquiries
Just one more....
Fifth Third Bank Trio - used Preapproved Mailer and a week later I received the 'Price You Pay and Credit Score' letter, the next day the card came $4000 SL!
Yes...I know very bad behavior! This itch was something I have never felt before. I should have taken some meds and let it heal instead of making it worse by scratching. However, the itch is gone and my scar has begun its healing process. I am officially in the garden for the next two years. No more new anything, I am set to water and grow the seeds that I have planted. I am hoping all lenders stay and no AA result. I meant well and I will show all my new cards love. I have specific categories and plans for them all.
( enters garden with a brown paper bag over head)
I recently stepped out the garden in August when doing my daily myfico forums reading. I discovered that I had a round of CLI requests to be performed. So I made my rounds...
-Amex Cash Magnet - started at $1000
Requested 3x and they countered with $2000 and I gladly accepted!
-NFCU Cash Rewards- started at $1000
Requested $25k and they put it under review, no notice given. I logged on and noticed my available credit was $3000. A 3x increase, thank you!
That was the end of my successful CLI's.
Well, since I took a HP for the NFCU CLI, I decided to apply for the Amex More Rewards and POI was requested, I provided 2018 tax return and bank statements but it resulted in a decline due to unable to verify income. My return did not show a full year's income. So these two HP's led me to have the thought process that I may as well try my luck.
I jumped on the BBT Express and was approved for $5000, my first Visa Signature!
I had app'd for SunTrust Rewards because of email invite and prequal. It was reviewed for verification. I provided documents at branch and was given my approval the next day. SunTrust Cash Rewards $4000!
The itch became stronger and more widespread. I just had to soothe it.
I then proceeded to follow the below list:
Citi Exxon/Mobil Business Card - Denied due to business being less than 3 years old
Gap Card- Denied due to length of time accounts have been established (Really want this card)
Barclay's Apple Card - denied due to excessive credit inquiries
Target RedCard - Approved $500
Just one more...(what I kept telling myself)
Synovus Travel Card - Opened an account and app'd for card, denied due to number of inquiries and new accounts
Just one more...(What am I thinking? Get ahold of yourself)
PNC Cash Rewards - denied due to too many recent accounts
Fifth Third Bank Truly Simple - Cold app'd and denied due to inquiries
Just one more....
Fifth Third Bank Trio - used Preapproved Mailer and a week later I received the 'Price You Pay and Credit Score' letter, the next day the card came $4000 SL!
Yes...I know very bad behavior! This itch was something I have never felt before. I should have taken some meds and let it heal instead of making it worse by scratching. However, the itch is gone and my scar has begun its healing process. I am officially in the garden for the next two years. No more new anything, I am set to water and grow the seeds that I have planted. I am hoping all lenders stay and no AA result. I meant well and I will show all my new cards love. I have specific categories and plans for them all.
( enters garden with a brown paper bag over head)
I don't know whether to call that a spree or a rampage?
Congratulations on your approvals and CLI.
Congratulations on your approvals and CLI.
@Anonymous wrote:Lol that's quite the rush for credit and "I know exactly what that itch is like". Congrats!
I think @Anonymous has poison oak
#ApplyComenityNow!
@M_Smart007 wrote:
@Anonymous wrote:Lol that's quite the rush for credit and "I know exactly what that itch is like". Congrats!
I think @Anonymous has poison oak
#ApplyComenityNow!
Lol my itch has actually not been that bad or I would have a BCP in my signature now that I am preapproved as of last night. 
@Anonymous wrote:
@M_Smart007 wrote:
@Anonymous wrote:Lol that's quite the rush for credit and "I know exactly what that itch is like". Congrats!
I think @Anonymous has poison oak
#ApplyComenityNow!
Lol my itch has actually not been that bad or I would have a BCP in my signature now that I am preapproved as of last night.
one for @AverageJoesCredit ..Do It! ..
"You know you want The $100K club"
#AtLeastYouCanTakeSomeJokingAround