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Helped A Friend = Approved Discover $10k & Citi Costco Cash Rewards $8K

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M_Smart007
Legendary Contributor

Helped A Friend = Approved Discover $10k & Citi Costco Cash Rewards $8K

Hello MF'ers (myFICO'ers)

 

 

I helped a Friend Yesterday, scared and wasTold; "Do Not to Apply For Credit as it would Hurt Him" Smiley LOL


His Current Lineup of Cards:
Home Depot $1k
Target $500
Merrick, Credit One, And FirstPremier., They had limits between $300-$500.
and I think He had one Cap1 in the sock drawer.

 

He was prequalified at Discover site, hit the button it spun and "Your Approved $10K"

then i told him, what else do you spend alot doing, he said Costco, so I said Go to Citi's site and just Cold app,

I knew he'd get it, his CK FAKO scores were High, and Zero inq's in 24 0/24

He Cold Apped Costco/Citi Reward Visa "Approved $8k"

He was overwhelmed!!!

 

DP's (from what i could Get from his CK APP)
Inqs 0/24
FAKO's EQ & TU 740-750 (ish)
AAoyA over 2 years
AAoA around 4-5 Years
AoOA 20+ Comenity Lane Bryant Card From Former Marriage in His Name (Showing Open no use in 15 years or so)
Income $126K
a few 30 day lates 2-3 years ago.

https://i.imgur.com/ohnOAoQ.gif

Message 1 of 15
14 REPLIES 14
Anonymous
Not applicable

Re: Helped A Friend = Approved Discover $10k & Citi Costco Cash Rewards $8K

Nice job!  Great SL and awesome approvals.  You're a good friend Smiley Wink

Message 2 of 15
AverageJoesCredit
Legendary Contributor

Re: Helped A Friend = Approved Discover $10k & Citi Costco Cash Rewards $8K

Great job! Nice to be able to make $126k, i make $126Smiley Wink
Message 3 of 15
Anonymous
Not applicable

Re: Helped A Friend = Approved Discover $10k & Citi Costco Cash Rewards $8K

Very Smart of you, 007. Congrats!

Message 4 of 15
HighAchiever
Established Contributor

Re: Helped A Friend = Approved Discover $10k & Citi Costco Cash Rewards $8K

I second the nice job and being a good friend, congrats to him! Now continue helping and advise him to start making plans to get rid of those sub-prime cards like Credit One, etc... and help him not to be late anymore and he'll be just fine!!! Congratulations again!!!   Smiley Happy

“Most people work just hard enough not to get fired and get paid just enough not to quit.”
Take the myFICO Fitness Challenge

Inquiries: Experian - 4 | Equifax - 3 | TransUnion - 3



Message 5 of 15
pinkandgrey
Senior Contributor

Re: Helped A Friend = Approved Discover $10k & Citi Costco Cash Rewards $8K

Fantastic SLs! Congrats to him!
Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 13k
Apple Card: 4.25k
Message 6 of 15
Pro-X
Frequent Contributor

Re: Helped A Friend = Approved Discover $10k & Citi Costco Cash Rewards $8K

Congrats on your friends approval!! 


Message 7 of 15
SoCalifornia
Frequent Contributor

Re: Helped A Friend = Approved Discover $10k & Citi Costco Cash Rewards $8K

Great friend? Or.... DOUBLE AGENT!?

 

Seriously tho, great counsel!



Message 8 of 15
zerofire
Valued Contributor

Re: Helped A Friend = Approved Discover $10k & Citi Costco Cash Rewards $8K


@M_Smart007 wrote:

Hello MF'ers (myFICO'ers)

 

 

I helped a Friend Yesterday, scared and wasTold; "Do Not to Apply For Credit as it would Hurt Him" Smiley LOL


His Current Lineup of Cards:
Home Depot $1k
Target $500
Merrick, Credit One, And FirstPremier., They had limits between $300-$500.
and I think He had one Cap1 in the sock drawer.

 

He was prequalified at Discover site, hit the button it spun and "Your Approved $10K"

then i told him, what else do you spend alot doing, he said Costco, so I said Go to Citi's site and just Cold app,

I knew he'd get it, his CK FAKO scores were High, and Zero inq's in 24 0/24

He Cold Apped Costco/Citi Reward Visa "Approved $8k"

He was overwhelmed!!!

 

DP's (from what i could Get from his CK APP)
Inqs 0/24
FAKO's EQ & TU 740-750 (ish)
AAoyA over 2 years
AAoA around 4-5 Years
AoOA 20+ Comenity Lane Bryant Card From Former Marriage in His Name (Showing Open no use in 15 years or so)
Income $126K
a few 30 day lates 2-3 years ago.


Oh it hurt him all right, hurt him real good. In fact it killed him with happiness no doubt.Smiley LOL

TU:837 09/19/23 Bank of America--EX: 841 09/20/23 Experian--EQ:832 09/21/23 myFICO--Gardening since N/A
Active:
Bank of America (Unlimited Cash Rewards WMC, Customized Cash Rewards WMC, Customized Cash Rewards VSC), Capital One Walmart WMC, Chase(Amazon Prime VSC, Freedom Flex WEMC [x2], Freedom Unlimited VC), Citi Dividend MC, Citizens GreenSense MC, Curve WEMC, Discover It C, FNBO Ducks Unlimited VSC, PenFed (Platinum Rewards VSC, Pathfinder Rewards VSC), Synchrony Bank PayPal Cashback MC, UMB Bank Simply Rewards VC[Milford Federal], US Bank (Altitude Go VSC, Cash+ VSC [x2], Pick n Save/Metro Market WEMC)
Wishlist: AAA Daily Advantage Visa, AOD Signature, Bellco Colorado Rewards, Citi Custom Cash, EBates, Nusenda Platinum Cash Rewards, Ollo Optimum, Redstone Signature, Security Service Power Travel Rewards, Vantage West Connect Rewards
Message 9 of 15
KLEXH25
Valued Contributor

Re: Helped A Friend = Approved Discover $10k & Citi Costco Cash Rewards $8K

Great job!!! It’s amazing how much misinformation there is out there. Too many people regurgitating advice based on conjecture and not any actual fact. My SO got me to open up about finances and credit, but now I’M the one teaching him things 😆. Now just get your friend to get rid of those subprime cards, set up auto pay, and garden!!


Message 10 of 15
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