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Chase United MileagePlus Explorer recon success!!! And a new auto loan!!!

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Established Member

Chase United MileagePlus Explorer recon success!!! And a new auto loan!!!

I've been sitting on a mailer for a United MileagePlus card for a week or so. My scores, according to myFico, are hovering right around 650 (7 paid medical collections, one charge-off from @5 years ago, multiple lates on one card, the most recent of which is 2014). I had been debating applying for the card next month, then refinancing an auto loan in November (originally purchased at 14.99% APR, ouch!). Real life intervened such that I ended up buying a new car last week. My APR on the new car is 3.49% through a local credit union. When the finance department pulled my FICO scores, Experian was 718 - heck of a lot higher than the 651 I see on myFICO! So I figured I might as well bite the bullet and apply for the MileagePlus card, as I have quite a bit of travel coming up this year. App'd, got the 7-10 day message online, and a 30-day e-mail. Called the automated line in the sticky, and got the 7-10 day message. Called back to talk to a human, who said I was declined for too many inquiries, some late payments, and so on - no real surprises. I said the inquiries are from a new auto loan, and my recent payment history is quite good; she then offered to take another look. She asked for my income and monthly rent payment, put me on hold, then came back a few minutes later with an approval for $5,000!!! I'm so happy!!!!! I'm in with a Real Bank!!!! And driving back to the Garden Club in my brand-new 2016 Honda Pilot!



628 EQ / 640 TU / 630 EX as of 4/27/2016
639 EQ / 640 TU / 644EX as of 5/25/2016
Gardening since 6/28/2016
Message 1 of 9
8 REPLIES 8
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Community Leader
Senior Contributor

Re: Chase United MileagePlus Explorer recon success!!! And a new auto loan!!!

Congrats on your recon'd approval and your new Honda!!!

Message 2 of 9
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Frequent Contributor

Re: Chase United MileagePlus Explorer recon success!!! And a new auto loan!!!

Awesum sauce!!! Congrats on that great auto rate and ur new open door to Chase!! Whoohoo
TU-812 EQ-820 EX-807 - Barclays cash forward 30K, Lowes 25K, Amex Everyday 50K, Fidelity 25K, Care Credit 25k, Walmart 10K, Discover 41K, Chase Sapphire Pref 10K, Macys 9K, many other store and retail cards - Oldest line 14yrs - Average Age 2.5yr, 8% UTI, 11 open credit cards - $230k total limit
Message 3 of 9
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Senior Contributor

Re: Chase United MileagePlus Explorer recon success!!! And a new auto loan!!!

Nice, congrats on your success!

Message 4 of 9
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Super Contributor

Re: Chase United MileagePlus Explorer recon success!!! And a new auto loan!!!

Congrats



EX08 658 EQ08 664 TU08 672 Total Credit Line: 63,550Utilization: 19.4%Inquiries: EQ8 EX11 TU11
Message 5 of 9
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Senior Contributor

Re: Chase United MileagePlus Explorer recon success!!! And a new auto loan!!!

Nice Congrats!!!! 

Message 6 of 9
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Frequent Contributor

Re: Chase United MileagePlus Explorer recon success!!! And a new auto loan!!!

Congrats on the successful recon! Also, Hondas are the best. Smiley Very Happy

♠Queen of Spades♠
Message 7 of 9
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Valued Contributor

Re: Chase United MileagePlus Explorer recon success!!! And a new auto loan!!!

Congrats!!!
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 8 of 9
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Super Contributor

Re: Chase United MileagePlus Explorer recon success!!! And a new auto loan!!!

Congratulations on the car and the card!Smiley Happy


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 9 of 9
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