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

Total80sKid
Valued Contributor

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

Congrats on your Aspiration Zero approval 👍🏼

Message 11 of 23
CreditAggie
Super Contributor

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

Congratulations on your Aspiration approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 1/6, 3/12, 5/24
Message 12 of 23
FalconSteve
Established Contributor

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

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.

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card; closed on some reports)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close
Goals: Buy a house, AOD VISA Signature card (or other 3% cashback), Chase Freedom Flex, $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes, 1st REDcard, Buy.com Visa, Children's Place, Kohl's, Angel Card (AU- wife's), Old Navy, Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Message 13 of 23
Aim_High
Senior Contributor

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

Congrats on a fantastic Aspiration Zero approval, @SpotsySmiley Very Happy 

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

 

Smithers_Excellent.jpg



Length of Credit > 35 years; Total Credit Limits > $500K
AoOA > 28 years (Jun 1993); AoYA (Aug 2020); Gardening since 08/15/20.
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 14 of 23
Wavester64
Valued Contributor

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

@Spotsy 

 

wow0.png





Potential Future Cards
Message 15 of 23
Spotsy
Frequent Contributor

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

@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.

TU:812 / EQ:797 / EX:802 as of 10/7/2021
Message 16 of 23
FalconSteve
Established Contributor

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

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.

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card; closed on some reports)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close
Goals: Buy a house, AOD VISA Signature card (or other 3% cashback), Chase Freedom Flex, $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes, 1st REDcard, Buy.com Visa, Children's Place, Kohl's, Angel Card (AU- wife's), Old Navy, Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Message 17 of 23
mark3038
Established Contributor

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


@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...

697CE1DC-CAD7-4838-A270-655B7AD658C9.jpeg


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

Message 18 of 23
Spotsy
Frequent Contributor

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

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.

TU:812 / EQ:797 / EX:802 as of 10/7/2021
Message 19 of 23
mark3038
Established Contributor

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


@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.


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

Message 20 of 23
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