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Biggest Approval Yet not even done Rebuilding!

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Anonymous
Not applicable

Biggest Approval Yet not even done Rebuilding!

Got a pre approval for Chase Freedom.  I have a QS1 and a Credit One right now.  Util is 10%. $600CL and $2000 CL for the 2.

 

I got on the boards and asked a lot of questions before finally apping for the card.

 

$4,500 initial credit with most baddies falling off by the end of the year from my credit, I can't wait to see what happens now.

 

Also got a pre for Cap One Platinum, QS regular, and Venture cards.

 

Anyone think I should hit those now?

Message 1 of 46
45 REPLIES 45
Anonymous
Not applicable

Re: Biggest Approval Yet not even done Rebuilding!


@Anonymous wrote:

Got a pre approval for Chase Freedom.  I have a QS1 and a Credit One right now.  Util is 10%. $600CL and $2000 CL for the 2.

 

I got on the boards and asked a lot of questions before finally apping for the card.

 

$4,500 initial credit with most baddies falling off by the end of the year from my credit, I can't wait to see what happens now.

 

Also got a pre for Cap One Platinum, QS regular, and Venture cards.

 

Anyone think I should hit those now? NO!


Congrats, thats awesome! Smiley Very Happy

Message 2 of 46
injustifiiable
Valued Contributor

Re: Biggest Approval Yet not even done Rebuilding!


@Anonymous wrote:

Got a pre approval for Chase Freedom.  I have a QS1 and a Credit One right now.  Util is 10%. $600CL and $2000 CL for the 2.

 

I got on the boards and asked a lot of questions before finally apping for the card.

 

$4,500 initial credit with most baddies falling off by the end of the year from my credit, I can't wait to see what happens now.

 

Also got a pre for Cap One Platinum, QS regular, and Venture cards.

 

Anyone think I should hit those now?


Get the Venture then tell that CreditOne to shove it!!!

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 3 of 46
Anonymous
Not applicable

Re: Biggest Approval Yet not even done Rebuilding!

Thanks for the very strong NO....I was looking for something to take the place of the Credit One so that I can get rid of it when it ages to 7 months.

Message 4 of 46
Anonymous
Not applicable

Re: Biggest Approval Yet not even done Rebuilding!


@Anonymous wrote:

Thanks for the very strong NO....I was looking for something to take the place of the Credit One so that I can get rid of it when it ages to 7 months.


I agree with kicking Credit One to the curb but I'm not a big triple inquiry/Cap One fan so can't get behind applying for yet another one of their cards at the moment. Unless thats the only lender you actually want another card from or think you can qualify with. Then I totally get it Smiley Happy Chase seems to like you, might be hope for other opportunities

Message 5 of 46
injustifiiable
Valued Contributor

Re: Biggest Approval Yet not even done Rebuilding!


@Anonymous wrote:

Thanks for the very strong NO....I was looking for something to take the place of the Credit One so that I can get rid of it when it ages to 7 months.


You may get a $10K or more limit with the Venture...Visa Signature too to boot! Good luck on whatever you decide!

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 6 of 46
Anonymous
Not applicable

Re: Biggest Approval Yet not even done Rebuilding!

Are there some other prequal sites that are pretty accurate that I can use to add some more credit?  I am part of the rebuilding group, so I need to have credit to manage.

Message 7 of 46
Zorasmiles
Established Contributor

Re: Biggest Approval Yet not even done Rebuilding!


@Anonymous wrote:

@Anonymous wrote:

Thanks for the very strong NO....I was looking for something to take the place of the Credit One so that I can get rid of it when it ages to 7 months.


I agree with kicking Credit One to the curb but I'm not a big triple inquiry/Cap One fan so can't get behind applying for yet another one of their cards at the moment. Unless thats the only lender you actually want another card from or think you can qualify with. Then I totally get it Smiley Happy Chase seems to like you, might be hope for other opportunities


Congrats on the card!  I'm with HeavenlyFlower when it comes to not being a fan of the triple pull!

FICO scores are your calling card to the business world. Build a negative reputation and those doors are hard to open, find that perfect balance of credit responsibility and those doors open when you desire them.
Message 8 of 46
injustifiiable
Valued Contributor

Re: Biggest Approval Yet not even done Rebuilding!


@Anonymous wrote:

Are there some other prequal sites that are pretty accurate that I can use to add some more credit?  I am part of the rebuilding group, so I need to have credit to manage.


You can try Bank of America's but it really isn't that great. AMEX has one too. 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 9 of 46
Ford725
Established Contributor

Re: Biggest Approval Yet not even done Rebuilding!


@injustifiiable wrote:

@Anonymous wrote:

Got a pre approval for Chase Freedom.  I have a QS1 and a Credit One right now.  Util is 10%. $600CL and $2000 CL for the 2.

 

I got on the boards and asked a lot of questions before finally apping for the card.

 

$4,500 initial credit with most baddies falling off by the end of the year from my credit, I can't wait to see what happens now.

 

Also got a pre for Cap One Platinum, QS regular, and Venture cards.

 

Anyone think I should hit those now?


Get the Venture then tell that CreditOne to shove it!!!


+1000

Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
Goal Score: 700's all 3 (07/2016)
Walmart $6k | Chevron $4k | Firestone $2.2k | Capital One Venture $5.4k | Quicksilver One MC $1.3k | Capital One Platinum MC $1k | Bloomingdales $12k | Amazon Prime $6k | Ebates Visa $12k | The Gap Visa $7k | Banana Republic Visa $7 | Brylane Home $2.6k | Express $2.5k | Overstock $1.85k | Macy's $11.3k | Stash Visa $12k | Lowe's $12k | Care Credit $5k | Macy's Amex $2.1k | Chase Amazon Visa $.5k | Cabela's Club Visa $2k
Message 10 of 46
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