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BB&T Spectrum Travel Rewards Instant Approval

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Anonymous
Not applicable

BB&T Spectrum Travel Rewards Instant Approval

March 2019: Instant approval for $4,500 SL. My profile must mix well with BB&T.

 

Some DP's:

 

May 2018: Opened the BB&T Spectrum Rewards, instant approval $3,500 SL

 

December 2018: They came out with a new version called BB&T Spectrum "Cash" Rewards. 3% gas and 2% utilities, which is sweet. Got jealous, applied, instant approved for $2,500. Pretty pissed about the SL, and they don't merge cards.

 

I opened a Savings account with them since when you redeem rewards into one you get 10% bonus, has about $315 in there right now. Lately I've been driving the Cash Rewards card close to limit and paying it off to see if the limit would auto-increase, no dice. Before applying I had about a $1,500/$2,500 balance on the Cash Rewards and $0/$3,500 on the regular Spectrum.

 

I've read a few things about BB&T, including a user that applied for two cards at once and was approved, I figured what the hell, so I did and glad to have done so.

 

Pulled Equifax per usual (MD). My EQ FICO is 697 per my TIAA Cash Back account, 33 INQ prior to applying.

 

Annual income 90K, now $10,500 exposure with BB&T.

 

Any other info let me know. Here's praying that the BB&T SunTrust merger will result in them asking me to combine limits or to make the CLI's easier to apply for, other than HP or going into a branch.

 

Message 1 of 7
6 REPLIES 6
mikesonthemend
Valued Contributor

Re: BB&T Spectrum Travel Rewards Instant Approval

Nice! Congratulations and thanks for the heads up about this:


@Anonymous wrote:
...

 

December 2018: They came out with a new version called BB&T Spectrum "Cash" Rewards. 3% gas and 2% utilities, which is sweet. Got jealous, applied, instant approved for $2,500. Pretty pissed about the SL, and they don't merge cards.

 

...



Living through Darwinism is so much worse than learning about about it in school.
Message 2 of 7
Anonymous
Not applicable

Re: BB&T Spectrum Travel Rewards Instant Approval

Congrats on your approval and nice SL !!!

 

 

Message 3 of 7
Anonymous
Not applicable

Re: BB&T Spectrum Travel Rewards Instant Approval


@mikesonthemend wrote:

Nice! Congratulations and thanks for the heads up about this:


@Anonymous wrote:
...

 

December 2018: They came out with a new version called BB&T Spectrum "Cash" Rewards. 3% gas and 2% utilities, which is sweet. Got jealous, applied, instant approved for $2,500. Pretty pissed about the SL, and they don't merge cards.

 

...

Thanks! It's also 2% for groceries, and 1% for anything else.

Message 4 of 7
pinkandgrey
Senior Contributor

Re: BB&T Spectrum Travel Rewards Instant Approval

Congrats! They like you; they’re giving you every card they offer lol

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 6.5k
Message 5 of 7
Marz2002
Senior Contributor

Re: BB&T Spectrum Travel Rewards Instant Approval

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on the Approval and the Very Nice CLI!!!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 6 of 7
xaximus
Valued Contributor

Re: BB&T Spectrum Travel Rewards Instant Approval

Congrats on the approvals!


Scores - All bureaus 770 +
TCL - Est. $410K
Message 7 of 7
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