I live in Orange County CA and I app'd on 12/4/19.
Instant approval from $4,400 to $5,900.
No hard pull - my Equifax FICO Score was 758.
I’ve been a card holder since 3/2019 - fair usage.
My entire credit profile UTL was 10%.
Income is 65k (individual) but I used my household income (120k).
- Discover IT - CL $15k (opened 10/2018)
- BofA Cash Rewards - CL $5k (opened 10/2018)
- NFCU GO - CL $25k (opened 10/2018)
- Amex EveryDay – CL $25k (opened 3/2019)
- Wells Fargo Platinum – CL $8,000 (opened 3/2019)
- NFCU Cash – CL $20k (opened 5/2019)
- LendingClub - 25k personal loan (22k balance)
- PenFed Power Cash Rewards - $10k (opened 10/2018)
I’m carrying $5k (promo balance) on Discover and $5k (promo balance) on GO.
All zeros except for the above two cards.
My last CLI was in June 2019.
