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

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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
Valued Contributor

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




UNpopular opinions have served me well and will offer that which has worked for me.
Message 2 of 15
Community Leader
Mega 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
#ChaseCreditCardHobby Enthusiast
2022
!
Message 3 of 15
Valued Contributor

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

Very Smart of you, 007. Congrats!

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2019): FICO 08 EXP: 747; TU: 749; EQ: 747
2019 Goal Score: 800 across the board


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Message 4 of 15
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.”
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Message 5 of 15
Community Leader
Valued Contributor

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

Fantastic SLs! Congrats to him!
Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 6 of 15
Frequent Contributor

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

Congrats on your friends approval!! 


Message 7 of 15
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
Established 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:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 12/11/19
Active:
Bank of America (Better Balance Rewards M, Cash Rewards WM, Cash Rewards VS), Blispay V, Capital One (Quicksilver VSC, Walmart WMC), Chase(AARP VSC, Amazon Prime VSC, Freedom VSC, Slate VC), Citi Dividend M, Citizens GreenSense M, Discover It, FedEx Employee Credit Association V, FNBO Ducks Unlimited VS, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M), US Bank Cash+ VS
Wishlist: Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, UMB Bank Simply Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 9 of 15
Established 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!!


January 2020:

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Message 10 of 15
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