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Final update on my applications

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Kneegrow
Established Member

Final update on my applications

I followed what this board recommended for the last 1.5 years rebuilding credit, making payments on time,utilization, etc and it pays off.

Here are the results:

 

 AMEX BCP - approved CL 3K

 

 AMEX PRG -  approved NPSL

 

 Citi TY P  - approved  CL 5K

 

 BoA Travel rewards - DENIED based on 2 accts that were settle and paid but remain in the CR until this october - Recon and approved, Signature CL 5K

 

 CSP - Under review -Recon and approved 5K

 

 5 applications, 5 approvals. does not get any better than that. Thank you all again for the advices and recomendations. Don't think there's another card out there I'd like to have. Amex and CSP were top of my list.

 

Also, BoA pulled EX. Now, my 2 accts that were settle and paid, this was in 2008 when the wife was laid off and pregnant. I just basically had to explain why it was not a perfect payment record, the analyst understood and approved it.. Don't know my scores other than myfico EQ is 686

 

Thanks again all and wish you the best!

 

Message 1 of 17
16 REPLIES 16
myjourney
Super Contributor

Re: Final update on my applications

Good run congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 17
MsLadyRover
Valued Contributor

Re: Final update on my applications

Really awesome spree!  Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 3 of 17
coldnmn
Mega Contributor

Re: Final update on my applications

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 4 of 17
Goose7
Valued Member

Re: Final update on my applications

Congratulations, do you think you are done applying for cards, and just go for getting higher limits?

Also don't forget AMEX 3x CLI

Message 5 of 17
Kneegrow
Established Member

Re: Final update on my applications

Yes that's the new plan,

garden/higher CLI  - rinse-repeat

Message 6 of 17
alvon123
Super Contributor

Re: Final update on my applications

Great Job!!!


Message 7 of 17
gdale6
Moderator Emeritus

Re: Final update on my applications

Congrats to your success Smiley Happy

Message 8 of 17
Epcot
Valued Contributor

Re: Final update on my applications

That's great, congrats on the successful spree!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 9 of 17
efranklin23
Valued Contributor

Re: Final update on my applications


@Kneegrow wrote:

I followed what this board recommended for the last 1.5 years rebuilding credit, making payments on time,utilization, etc and it pays off.

Here are the results:

 

 AMEX BCP - approved CL 3K

 

 AMEX PRG -  approved NPSL

 

 Citi TY P  - approved  CL 5K

 

 BoA Travel rewards - DENIED based on 2 accts that were settle and paid but remain in the CR until this october - Recon and approved, Signature CL 5K

 

 CSP - Under review -Recon and approved 5K

 

 5 applications, 5 approvals. does not get any better than that. Thank you all again for the advices and recomendations. Don't think there's another card out there I'd like to have. Amex and CSP were top of my list.

 

Also, BoA pulled EX. Now, my 2 accts that were settle and paid, this was in 2008 when the wife was laid off and pregnant. I just basically had to explain why it was not a perfect payment record, the analyst understood and approved it.. Don't know my scores other than myfico EQ is 686

 

Thanks again all and wish you the best!

 




Congrats on your new approvals! Welcome to the BofA and AMEX family!

AMEX BCE (30K), DISCOVER IT (29.5K), NFCU CASH REWARDS (25K), BOA TRAVEL REWARDS (15K), USAA VISA (13K), CHASE SAPPHIRE RESERVE (13K), COMMENCE MASTERCARD (7.5K), CHASE FREEDOM (7K), CHASE FREEDOM (7K), TFCU CC (2.5K), TARGET REDCARD (900)
Message 10 of 17
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