WOW!!! I'm still numb! lol
I know I shouldn't have, but glad I did!
Instant Approval, SL $5k, APR. 25.24%. Yes I know, lowest SL with the highest APR., but I PIF anyway so that's ok.
Currently my highest CL. So I'm happy with it!!.
Goal card that I've been wanting.
Some DP'S,
I've been checking pre quals for a while with nothing, only the Amex Delta Gold that I was approved for 2 weeks ago.
So as of this app, I was at 3/24, Amex won't report for another month or 2.
Interesting points here,,
RC WILLEY (store card) 0/300, 11 months old
CAPONE QS 0/500, 5 months old, (started as a regular platinum, which I PC'D from a link from this site,thank you)
DISCOVER IT SECURED 0/300, 4 months old,
I know now that I shouldn't have let all report $0, it did cost me 17 points because of that, next report will show azeo, the one at 5% UTIL.
I opened a Chase banking account 3 weeks ago and took advantage of the $300 bonus offer. I checked the"Just For You" prequal section daily.LOL. with nothing. Up until my direct deposit was deposited last week for only $500, and now yesterday I was seeing "you are prequalified" for the Slate, with a solid APR. so I figured thats a nice start, I'll hold off. But when I logged back in about an hour later, I saw the CSP prequal offer come up instead of the Slate, again with a solid APR. But i never seen the green check mark everyone here is talking about. It was a black star with "you are prequalified" next to it..
I didn't think it was solid, with my super thin file.
So everytime i checked the "Just for You" It came up with a different card everytime, Slate,Freedom, Freedom Unlimited, and CSP.
It only showed one at a time.
So I said, "What the Hell!" if they deny, then I'll get US Bank cash+ (solid prequal as well) then garden for 12 months.
But to my surprise, they approved, now I need to think how to strategise next few months. I'm trying to maximize travel perks.
No prequals from the website, only thru my bank account.
I've used the 2 credit cards to the full balance and PIF before statement.
WOW!!! Still in Shock!!!
I wonder if i can expedite the card here, have a trip coming up, could use the spend for the SUB.
Also, I want the Freedom Unlimited, I know I shouldn't app right now.
But should I app for the FU before the Amex reports, I'm at 4/24 before Amex reports.
Any DP'S on CLI? HP or SP?
Just Awesome,
Thanks Everyone
CSP 726/5K
AMEX DELTA GOLD 0/2K
Lowe's 0/17K
CAPONE QS 0/$750
DISCOVER IT SECURED 0/$300
RC WILLEY 0/$300
EX FICO 8= 711
EQ FICO 8= 735
TU FICO 8= 727
AS OF 05/12/2019
Starting Score: 640
