I have been in garden for little over 2 years, perfecting my score. I've been planning to apply for CSR for last 3 months and aiming to get my equifax high. I've never seen any Pre-Qualify or Pre-Approval anywhere for this card. I saw it for CSP many times. And yesterday was finally the day to go all in for it.
My score was at all time high:
Applied online at 2AM on 12/18. Message showed up with 30 days notice. Then I called right away to check the status and it was just playing 30 days notice message. I had no patients. I called couple of time but it was 2 am, nobody is working on my application stupid.
Right away they pulled Equifax, and in the morning they pulled Experian.
In the morning and rep told me, your app is in fraud detection dept. Then they told me, they are gonna send out a form for me to fill up with verifying my social and all. But that would take 10 days in total. I wasn't gonna wait that long. I went to the Bank location and he helped me fill up the form and fax it to them. After couple hours I called again, The 7-10 business days message was playing. I called few times more the same day, but same response.
Next day 12/19, I called the fraud detection team and they asked to verify my info and during the call and Voila... 30K starting limit.
I am very thrilled.
Data points (At the time of app):
FICO 8 ---> TU = 720, EQ = 719, EX = 719
VantageScore 3.0 ---> TU = 739, EQ = 767
No of inquiry : TU = 1, EQ = 1, EX = 4
Collection Account : 1 (Paid, 2 years 3 months old)
Credit Util = 13%
AAoA - 3 years 5 months
Oldest Card - 5 years 4 months.
Total Accounts (Open+Closed) = 13
Highest Limit = $6,000 ($10,000 as authorized user)
Total Limit = $35,000
