Aspiration Zero - Approved, Not Instant, 40k at 11.65%

[Total80sKid]

Congrats on your Aspiration Zero approval 👍🏼

[CreditAggie]

Congratulations on your Aspiration approval!

[FalconSteve]

Congrats and don't feel bad, I forget all the time (I even forgot a $30k screen, ahh. Not a $40k screen, but still my highest)

It's crazy how fast we go from a bank seeming crazy from offering a 11k limit to, oh they offered a 30k limit, whatever in a year or so. Or is that just me? Anyway, that is awesome. Do you also have your checking from Aspiration? Regular or Aspiration plus? How long have you had it? I have an account, but I rarely use it. I didn't even realize they added a credit card until recently.

[Aim_High]

Congrats on a fantastic Aspiration Zero approval, @Spotsy!   

I've seen a couple at $20K and $30K but I think this is highest SL I've seen on this card!

[Wavester64]

@Spotsy 

[Spotsy]

@FalconSteve @You are right....one day it seems they won't give a penny, but then a windfall.  I don't have any checking or savings with them, but I plan on running a lot of tax, insurance, end of year stuff through the card to show them the love that they showed me. I will close out some smaller cards to keep the 'herd' under control too.

[FalconSteve]

How many inquiries do you have? How many other cards? Do you have installment loans, mortgage, car loan? Feel free to ignore any question, just trying to figure out what they like.

[Anonymous]

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@Spotsy wrote:

Today was a good day....to go for Carbon Zero.  They approved for 40k at 11.65%...still shocked but very happy.  It never ceases to amaze me how the different lenders vary in underWriting criteria. Not instant though ....ID verification...took about 5 days from app submit to the offer.  

I didn't get a pic of the offer screen (I'm a dork, I forgot)...but here is a snip of the account overview...

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They must like you better then they like me, they only gave me a $20,000 CL. But then again your scores are higher then mine, mine range from 776 to 785. That is great that you where approved for that. Gives me hope to get a CLI in the future.

Thanks

Mark

[Spotsy]

Sorry for my delayed response...many inquiries on Experian. Many other cards too, but limits mostly around 25k.  A few 50k, and one that is 6 digits.  I think with them if your score is 800+ you will get the best rate, but other factors drive the limit. My utilization when I applied was around 3%. No mortgages, 2 auto loans. Usually PIF on all CCs but average balances month to month is between 10 and 15k.

[Anonymous]

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@Spotsy wrote:

Sorry for my delayed response...many inquiries on Experian. Many other cards too, but limits mostly around 25k.  A few 50k, and one that is 6 digits.  I think with them if your score is 800+ you will get the best rate, but other factors drive the limit. My utilization when I applied was around 3%. No mortgages, 2 auto loans. Usually PIF on all CCs but average balances month to month is between 10 and 15k.

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you sound very similar to me. Many inquries on my reports, 77 total cards with 1.2 million in available credit, one card in the 6 figures, quite a few in the $75K range. I only let 2% utilization report, any less and my scores drop. One auto loan, No mortgages, no other loans. I am in the garden but I must have applied for this card prior, because when they called me to verify and send docs I forgot that I even applied for this LOL. I am done for two years now. Only SP's for CLI's

Thanks

Mark