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Big credit card approval Hel# ya

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Established Contributor

Re: Big credit card approval Hel# ya

Remember, applying for a card(s) should be a calculated risk. No one should apply for a card if they think they have a good chance of being denied. I’d suggest doing your homework while sitting in the garden for a bit. When you come back out, apply for cards that are “in your league”. As your score improves, so will the cards you should be applying for. 

 

Not to discourage you, but I wouldn’t expect any quality approvals for 1 year + from now with all of those inquiries. 

Personal Credit -
AMEX: Platinum, Gold, Blue Cash Preferred, Schwab Investor
PNC: Cash Rewards, Points
NFCU: Flaghship Rewards, Cash Rewards, More Rewards, CLOC
PSECU: Founders
BB&T: Spectrum Cash Rewards
CapOne: Quicksilver
Discover: IT Chrome, IT
Synchrony: PayPal 2%, PayPal Credit
Barclays: Uber
PenFed: Power Cash Rewards, Platinum Rewards
Alliant: Visa Signature
Store Cards: Target, Macy’s
AU Cards: Citi Rewards+

Business Credit-
AMEX: Delta Gold, Amazon Prime, Simply Cash Plus
PNC: Visa Business
Message 21 of 39
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Moderator

Re: Big credit card approval Hel# ya

Keep this post FSR.  Did a few edits of things that could of been put in a better way

 

http://ficoforums.myfico.com/t5/Credit-Cards/Forum-Etiquette/m-p/2797115

Message 22 of 39
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Regular Contributor

Re: Big credit card approval Hel# ya

Congratulations on the two approvals, although I don't know why you would even apply for prime-credit cards... This forum is full of useful information I would highly recommend reading thoroughly about each card before you apply for it.

 

For now, until you're at least in the low to mid-600s you're stuck with Credit One, Milestone, Indigo, First Premier, etc., which isn't necessarily a bad place to be. They're not optimal credit cards, but they're a fantastic start to your building your history, score and credit lines.

You just shot yourself in the foot a bit with the amount of inquiries, but you live and learn. As everyone else has stated previously, don't apply for anything else for at least a year... Be patient and let your new credit lines grow.

Current Score (01/13/2020): EXP: 680; TU: 684; EQ: 665
Gardening as of 01/13/2020

Community America CU Cash Rewards - $10000 | Discover It Cash Back - $4000
Nordstrom Credit Card - $4000 | BMO Harris Cash Back MasterCard - $4000
Discover It Cash Back - $2000 | US Bank Cash+ Visa Signature - $2000
Target Red - $1100 | Chase Starbucks Visa - $1000
Capital One Quicksilver - $700

Total Credit: $28800
Message 23 of 39
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Contributor

Re: Big credit card approval Hel# ya

I didnt know about indigo??? should i apply for it before heading to credit report sleep

Message 24 of 39
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Valued Contributor

Re: Big credit card approval Hel# ya

NO

500K+ TCL / 800+ FCOs
Message 25 of 39
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Moderator

Re: Big credit card approval Hel# ya


@Obscure-Expert wrote:

Take a deep breath and quit gardening in that thread. Obviously you have been led astray by applying for 15 cards today.

 


@Obscure-Expert, many would argue that the 'Garden' is precisely where our OP needs to be.  If you're not aware, the point of gardening is to avoid all new accounts, HPs, etc.

 

@Rmullens2208 come on back and stay with us a while... I'll hold the gate open for you.  Smiley Wink

Message 26 of 39
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Contributor

Re: Big credit card approval Hel# ya

Theres My boy uncle B i am on my way!

Message 27 of 39
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Valued Contributor

Re: Big credit card approval Hel# ya

I know what Gardening is but, if the OP is saying someone's advising them to apply for cards and then goes on a rampage for 15+ applcations with a shotgun it's a bad place to be in that particular thread.  Doesn't appear OP has been in there though since 8/2018 from the posts.  So, who left the gate open?

 

The activity from today is borderline 5150 territory to prevent self harm.  Someone needs to take the credit keys away.

500K+ TCL / 800+ FCOs
Message 28 of 39
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Moderator

Re: Big credit card approval Hel# ya


@Obscure-Expert wrote:

I know what Gardening is but, if the OP is saying someone's advising them to apply for cards and then goes on a rampage for 15+ applcations with a shotgun it's a bad place to be in that particular thread.  Doesn't appear OP has been in there though since 8/2018 from the posts.  So, who left the gate open?

 

The activity from today is borderline 5150 territory to prevent self harm.  Someone needs to take the credit keys away.


Just FYI if 'tough love' is warranted it should be done outside of approval threads; this is where we announce/celebrate approvals and share data points.

 

As for the Garden Club thread, application and approval talk isn't allowed there (it's actively moderated out) so no one is advocating applying for anything there.

Message 29 of 39
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Moderator

Re: Big credit card approval Hel# ya


@Rmullens2208 wrote:

Theres My boy uncle B i am on my way!


Come on back, we're ready for you!  I'm holding the gate open now!  Smiley Very Happy

Message 30 of 39
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