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CC Approvals! Chase Freedom, Amex BCE, and Discover IT Cash Back

ActiveTraderNQ100
Regular Contributor

CC Approvals! Chase Freedom, Amex BCE, and Discover IT Cash Back

I applied today for three cards, I tried to garden but I wanted to get a few cards before lending got tight on new approvals and CLI.

 

I started the day 3/24 and was concerned about the Chase 5/24 rule so I did the following:

 

Applied for Amex BCE approved for 6k then applied for Chase Freedom approved for 4.8k and finally Discover IT CB approved for 4k

 

I am done now for a good while, I can start gardening hear for at least 12mo is the goal. At that point the HP from March 2019 will fall off. 

 

At the time of HPs my Experian FICO Score 8 was 756.

 

After all three pulls were done my score dropped 6 points to 750.

 

All three cards were instant approvals, and I had been prequalified for all cards before applications as well. However, Discover would not tell me my limit until I chatted them online. I am going to try the Amex 3x SP CLI at 61 days. Also, when possible try the double dip on Discover. Any feedback afterwards is greatly appreciated. After today, I will have 8 inquiries in the last 24 months: 6 for new accounts that were approved, 1 for a mortgage preapproval, and 1 for a WF CLI. I have to start watching my AAoA which before today was 5yrs 8months, after wrecking my credit 5 years ago and rehabbing in a focused way.

 

Current Accounts:

 

Opened 2014:

WF Platinum - 900

 

Opened 2019:

Capital One V1 - 6000

Capital One QS - 3500

Citi DC - 8400

 

Opened 2020:

Amex BCE - 6000

Chase Freedom - 4800

Discover IT - 4000

 




Message 1 of 21
20 REPLIES 20
AllZero
Super Contributor

Re: CC Approvals! Chase Freedom, Amex BCE, and Discover IT Cash Back

Congratulations on your approvals!
Message 2 of 21
blindambition
Community Leader
Senior Contributor

Re: CC Approvals! Chase Freedom, Amex BCE, and Discover IT Cash Back


@ActiveTraderNQ100 wrote:

I applied today for three cards, I tried to garden but I wanted to get a few cards before lending got tight on new approvals and CLI.

 

I started the day 3/24 and was concerned about the Chase 5/24 rule so I did the following:

 

Applied for Amex BCE approved for 6k then applied for Chase Freedom approved for 4.8k and finally Discover IT CB approved for 4k

 

I am done now for a good while, I can start gardening hear for at least 12mo is the goal. At that point the HP from March 2019 will fall off. 

 

At the time of HPs my Experian FICO Score 8 was 756.

 

After all three pulls were done my score dropped 6 points to 750.

 

All three cards were instant approvals, and I had been prequalified for all cards before applications as well. However, Discover would not tell me my limit until I chatted them online. I am going to try the Amex 3x SP CLI at 61 days. Also, when possible try the double dip on Discover. Any feedback afterwards is greatly appreciated. After today, I will have 8 inquiries in the last 24 months: 6 for new accounts that were approved, 1 for a mortgage preapproval, and 1 for a WF CLI. I have to start watching my AAoA which before today was 5yrs 8months, after wrecking my credit 5 years ago and rehabbing in a focused way.

 

Current Accounts:

 

Opened 2014:

WF Platinum - 900

 

Opened 2019:

Capital One V1 - 6000

Capital One QS - 3500

Citi DC - 8400

 

Opened 2020:

Amex BCE - 6000

Chase Freedom - 4800

Discover IT - 4000

 


Nice trifecta!! All good cards with growth potential!! Chase only does HP CLI, but show auto CLI with heavy use.

Smiley Wink

Message 3 of 21
Ficoproblems247
Valued Contributor

Re: CC Approvals! Chase Freedom, Amex BCE, and Discover IT Cash Back

YES! See, I told you I like reading the approval threads and you certainly did not disappoint! JK 😂 But seriously though, congratulations on some really outstanding pick ups! 


FICO 8: June '21 EX 751 EQ 746 TU 744
Message 4 of 21
Mr_Mojo_Risin
Valued Contributor

Re: CC Approvals! Chase Freedom, Amex BCE, and Discover IT Cash Back

Turned out to be a good day! Congrats!!!

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
NFCU auto loan
Message 5 of 21
newfossil
Valued Contributor

Re: CC Approvals! Chase Freedom, Amex BCE, and Discover IT Cash Back

Congratulations!




Starting score - May 2018

April 2021

AAoA - 1 year 6 months
Message 6 of 21
Taurus22
Frequent Contributor

Re: CC Approvals! Chase Freedom, Amex BCE, and Discover IT Cash Back

Cheers!  Congrats on your....

Spree.png

Current Wallet
Sock Drawered


Message 7 of 21
Saeren
Mega Contributor

Re: CC Approvals! Chase Freedom, Amex BCE, and Discover IT Cash Back

Congrats on some solid approvals!





Message 8 of 21
angelwingz
Valued Contributor

Re: CC Approvals! Chase Freedom, Amex BCE, and Discover IT Cash Back

Congratulations on your approvals! 👍




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 9 of 21
M_Smart007
Epic Contributor

Re: CC Approvals! Chase Freedom, Amex BCE, and Discover IT Cash Back

Tic Tac Toe = Congratulations!

Message 10 of 21
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