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Double CC Approval Success Story: Thanks FicoForums

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SecretAzure
Valued Contributor

Double CC Approval Success Story: Thanks FicoForums

Recently posted the following thread under the applications process:

 

"I'm applying to BarclayCard Ring Mastercard and am going to apply for a second card immediately after. This second card has to meet most, if not all of the following requirements:

 

1) 13.99% or less APR

2) Accepted nearly everywhere (in the U.S., outside is a plus but not a must)

3) Must use soft-pulls for CLI or have a system that fairly and relatively frequently provides automatic CLI without a HP. (About once a year is plenty)

4) Be able to accept me (My scores: 774 EF , 777 TU  , 756 EP    , 0 HP,  AAOA  2yrs, 6mos)

5) I don't travel much so miles will probably be wasted on me (I'm not sure I would know how to use them either)

 

 

All suggestions are highly appreciated. I'm ready to pull the trigger in the next 24 hours so thanks in advance for all your help!

 

P.S. I've investigated heavily into Chase Freedom and Discover It as many have recommended these in particular but they seem to have terrible customer service records. Discover tends to never give out the actual 10.99% APR and Chase likes to give HP's to everyone wanting a CLI  

P.P.S. Feel free to try to convince me of the 2 aforementioned cards still but you'd best do a good job! I'm open-minded AND picky."

 

And I want to say thank you to the community. I ended up choosing the Chase Freedom along with my Barclaycard Ring.

Approved:

Barclaycard Ring Mastercard $5,000 CL @ 8.00%  

Chase Freedom $6,000 CL @ 13.99%

 

Immediately called the recon for Barclaycard and got a CLI to $8,500.

Not able to do the same with Chase but that's fine (asked for a HP).

 

I want to especially thank user: baller4life  for being critically useful in my decision making.

 

Thanks all!

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 1 of 18
17 REPLIES 17
baller4life
Super Contributor

Re: Double CC Approval Success Story: Thanks FicoForums

You did a fantastic job!!! Glad to help!

Message 2 of 18
Anonymous
Not applicable

Re: Double CC Approval Success Story: Thanks FicoForums

Congrats!

Message 3 of 18
Anonymous
Not applicable

Re: Double CC Approval Success Story: Thanks FicoForums

Awesome! 

Message 4 of 18
SecretAzure
Valued Contributor

Re: Double CC Approval Success Story: Thanks FicoForums

Now...AFK...gardening!

 

Thanks for the adventure!

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 5 of 18
chalupaman
Super Contributor

Re: Double CC Approval Success Story: Thanks FicoForums

Congrats! Smiley Happy

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 6 of 18
Anonymous
Not applicable

Re: Double CC Approval Success Story: Thanks FicoForums

Yay... congrats!
Message 7 of 18
gdale6
Moderator Emeritus

Re: Double CC Approval Success Story: Thanks FicoForums

Great job OP, grats to all your success Smiley Happy

Message 8 of 18
Anonymous
Not applicable

Re: Double CC Approval Success Story: Thanks FicoForums

Congrats.

Message 9 of 18
I-think-I-can
Valued Contributor

Re: Double CC Approval Success Story: Thanks FicoForums

Fantastic! Congrats Smiley Happy

Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
Goal Scores: 760 across the board
Message 10 of 18
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