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Ducks Unlimited Approval

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Community Leader
Super Contributor

Re: Ducks Unlimited Approval


@FinStar wrote:

@Saeren wrote:

@Jago22 wrote:

@Saeren wrote:

I'm really tempted to jump the fence before Citi reports and I'm in jail for awhile with a 56% card. 

That is one i hadn't posted was my Citi DC denial this evening.   I have a general 2% card, so it was stupid of me, but they are a tough nut to crack for me.  I'm sure it was INQs and new Accts. 


Citi has their 6/6 inquiry rule so that could easily be it. 

I am trying really hard to hold myself back. I have Disco for 3% for a year which is great but BCP has a preapproval and $205 left of SUB after AF...


Stay strong @Saeren, you've been a participant in the Garden thread so stick with your goals... "My goal is to garden until 2/2020"


@Saeren    +10000  to this.     You have made it this far, don't give up now.    YOU CAN DO IT!!!!!








Message 21 of 54
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Super Contributor

Re: Ducks Unlimited Approval


@FinStar wrote:

@Saeren wrote:

@Jago22 wrote:

@Saeren wrote:

I'm really tempted to jump the fence before Citi reports and I'm in jail for awhile with a 56% card. 

That is one i hadn't posted was my Citi DC denial this evening.   I have a general 2% card, so it was stupid of me, but they are a tough nut to crack for me.  I'm sure it was INQs and new Accts. 


Citi has their 6/6 inquiry rule so that could easily be it. 

I am trying really hard to hold myself back. I have Disco for 3% for a year which is great but BCP has a preapproval and $205 left of SUB after AF...


Stay strong @Saeren, you've been a participant in the Garden thread so stick with your goals... "My goal is to garden until 2/2020"


Thanks Fin. I will go find something else to do to take my mind off of it. I should have grabbed the BCP before I entered the garden but it will still be there in February. 

Current rotation:

01/2019:
05/2020:

Goal card: Cash+

P.S. I’m a dude, yo!
Message 22 of 54
Highlighted
Super Contributor

Re: Ducks Unlimited Approval


@Jago22 wrote:

@FinStar wrote:

@Saeren wrote:

@Jago22 wrote:

@Saeren wrote:

I'm really tempted to jump the fence before Citi reports and I'm in jail for awhile with a 56% card. 

That is one i hadn't posted was my Citi DC denial this evening.   I have a general 2% card, so it was stupid of me, but they are a tough nut to crack for me.  I'm sure it was INQs and new Accts. 


Citi has their 6/6 inquiry rule so that could easily be it. 

I am trying really hard to hold myself back. I have Disco for 3% for a year which is great but BCP has a preapproval and $205 left of SUB after AF...


Stay strong @Saeren, you've been a participant in the Garden thread so stick with your goals... "My goal is to garden until 2/2020"


@Saeren    +10000  to this.     You have made it this far, don't give up now.    YOU CAN DO IT!!!!!


Thank you sir. I will stick with the gardening but when February comes and I get that BK off TU, that's gonna be the end of my garden stay 😂 

Current rotation:

01/2019:
05/2020:

Goal card: Cash+

P.S. I’m a dude, yo!
Message 23 of 54
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Super Contributor

Re: Ducks Unlimited Approval

Congratulations on your approval!
Message 24 of 54
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Regular Contributor

Re: Ducks Unlimited Approval


@Jago22 wrote:

I should have just did one post as a Spree.  I wanted a 5% gas card for when it's not the disco catergory. 

 

Approved SL 3900

Score EX 710

INQ: 12 (under 1yr scoreable)

Income: lower 5 figures

New Accts:  24/24  -12/12 -  6/6

 

Better to burn out than fade away..   


was your approval instant? did you get a 7-10 day waiting message, or have to do recon or anything like that? you didn't have to talk them up or renegotiate your limit?

 

this is the 2nd approval for the ducks card i've seen like this. i think they're loosening up the requirements.


Message 25 of 54
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Valued Contributor

Re: Ducks Unlimited Approval

Congrats, Jago! 🎉🎉🎉

 

Always conquering the inquiry conservative banks.


Message 26 of 54
Highlighted
Valued Contributor

Re: Ducks Unlimited Approval


@Jago22 wrote:

@Saeren wrote:

I'm really tempted to jump the fence before Citi reports and I'm in jail for awhile with a 56% card. 

That is one i hadn't posted was my Citi DC denial this evening.   I have a general 2% card, so it was stupid of me, but they are a tough nut to crack for me.  I'm sure it was INQs and new Accts. 


You're not missing anything. I kind of regret getting mine.


Message 27 of 54
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Super Contributor

Re: Ducks Unlimited Approval


@shoegal wrote:

@Jago22 wrote:

@Saeren wrote:

I'm really tempted to jump the fence before Citi reports and I'm in jail for awhile with a 56% card. 

That is one i hadn't posted was my Citi DC denial this evening.   I have a general 2% card, so it was stupid of me, but they are a tough nut to crack for me.  I'm sure it was INQs and new Accts. 


You're not missing anything. I kind of regret getting mine.


It's a lot more valuable now that you can get TYPs instead of just cash back though. 

Current rotation:

01/2019:
05/2020:

Goal card: Cash+

P.S. I’m a dude, yo!
Message 28 of 54
Highlighted
Moderator Emeritus

Re: Ducks Unlimited Approval


@Jago22 wrote:

I should have just did one post as a Spree.  I wanted a 5% gas card for when it's not the disco catergory. 

 

Approved SL 3900

Score EX 710

INQ: 12 (under 1yr scoreable)

Income: lower 5 figures

New Accts:  24/24  -12/12 -  6/6

 

Better to burn out than fade away..   


Sorry you got this card so late in the hunting season?! Would have combined you with @kilroy8 and @CreditCuriosity for a duck and pheasant hunting trip out of Watertown South Dakota? Smiley Sad

Starting Score: 300
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 29 of 54
Highlighted
Moderator

Re: Ducks Unlimited Approval

Congrats on another card.  You are on fire.  certainly you landed one of the harder cards to get with an instant approval as FNBO is known to be inquiry sensitive.  Take the card and run like you stole it.  Enjoy!

Message 30 of 54
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