Hello,
A few days ago I shared an approval for the Choice Rewards card from First Tech, and I also recently decided to trade-in my car for an SUV so my credit has taken a few hits the last couple of days. I thought I might as well take all the hits now, and then go back to the garden for the next 12 months.
Results are in!
1. Chase Freedom Flex:
- Applied January 1. App went to review, received an email stating I'd get a decision in 30 days. Robolady said I'd get results in 2 weeks over the phone. They pulled both Experian at 701 and TransUnion at 714 under FICO score 8.
- Received an approval email on January 4! $1,600 SL, not high but I won't complain, I am happy to be in!
2. BCU (Baxter CU) Cash Rewards - CLI Request:
- The original Limit was $500 when I opened it back in 2016, had it for 3 years then increased to $3,500 in 2019. Requested another increase yesterday and was approved for $10,000! You can ask for a specific amount and they either approve or do a counter offer. They always use TransUnion (in my case).
3. PenFed Power Cash Rewards:
- So in my hunt for a new car loan, I was already working with PenFed on a pre-approval (ended up using a different bank) but since I had already had a hard pull I decided to try and apply for the card. I read they usually use the same hard pull if it's been less than 30 days. I applied last night, the application went to review. I did not get another inquiry when I applied for the card, but it seems like the person who manually reviewed it did do an additional hard pull so watch out for that. Anyway, today I received an approval email. $3,500 SL with a 709 Equifax score (FICO 9). They did not ask for POI.
As a side note, I was also able to trade my 2020 Toyota Corolla L for a 2021 Grand Cherokee with all the bells and whitles. 
I won't include details on the car loan approval since it's a local bank (I'm in PR), but I am really happy about it. Now, off to the garden I go! 
Congratulations on your approvals and CLI!
Congratulations on your approvals!!
Nice ride... and Big Congratulations on the approvals and CLI!
@Anonymous wrote:Hello,
A few days ago I shared an approval for the Choice Rewards card from First Tech, and I also recently decided to trade-in my car for an SUV so my credit has taken a few hits the last couple of days. I thought I might as well take all the hits now, and then go back to the garden for the next 12 months.
Results are in!
1. Chase Freedom Flex:
- Applied January 1. App went to review, received an email stating I'd get a decision in 30 days. Robolady said I'd get results in 2 weeks over the phone. They pulled both Experian at 701 and TransUnion at 714 under FICO score 8.
- Received an approval email on January 4! $1,600 SL, not high but I won't complain, I am happy to be in!
2. BCU (Baxter CU) Cash Rewards - CLI Request:
- The original Limit was $500 when I opened it back in 2016, had it for 3 years then increased to $3,500 in 2019. Requested another increase yesterday and was approved for $10,000! You can ask for a specific amount and they either approve or do a counter offer. They always use TransUnion (in my case).
3. PenFed Power Cash Rewards:
- So in my hunt for a new car loan, I was already working with PenFed on a pre-approval (ended up using a different bank) but since I had already had a hard pull I decided to try and apply for the card. I read they usually use the same hard pull if it's been less than 30 days. I applied last night, the application went to review. I did not get another inquiry when I applied for the card, but it seems like the person who manually reviewed it did do an additional hard pull so watch out for that. Anyway, today I received an approval email. $3,500 SL with a 709 Equifax score (FICO 9). They did not ask for POI.
As a side note, I was also able to trade my 2020 Toyota Corolla L for a 2021 Grand Cherokee with all the bells and whitles.
Oh no!!! Please dont say BPPR
😡
😁