How not to go about getting approved:

sandsanta · ‎10-08-2015

Date Received

Card

Status of Application

Next Step

07/24/15

STARWOOD PREFERRED GUEST CREDIT CARD(SM) FROM AMERICAN EXPRESS

Declined

08/11/15

STARWOOD PREFERRED GUEST CREDIT CARD(SM) FROM AMERICAN EXPRESS

Declined

09/09/15

STARWOOD PREFERRED GUEST CREDIT CARD(SM) FROM AMERICAN EXPRESS

Declined

10/05/15

STARWOOD PREFERRED GUEST CREDIT CARD(SM) FROM AMERICAN EXPRESS

Approved

Congratulations! Your application has been approved and you should receive your new card within 7-10 days.

I was being denied on Inq's, which I thought was a bit silly considering I'm very well capitalized in cash savings, investments and other holdings along with a very high income. I cancelled my BCE, and applied monthly (though one of the applications was a recon attempt). I was planning on calling the EO, but glad I don't have to anymore.

FICO per Amex website was 704 at the time though that was due to a point drop from paying off and closing a mortgage.

woodyman100 · ‎10-08-2015

Congrats! I get denied every month for the same reason. I app now solely for my own SP amusement

NFCU-ICCU-EECU-Texas Trust CU-PSECU-DoverFCU-Keystone FCU-HarvardFCU-Keypoint CU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-RRCU-UFCU-USAllianceFCU-ANB-CapitalOne-Regions-Goldman Sachs (Apple)-Barclay-G Bank-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-Trevipay-Truist-UMB-USAA-Amegy-Amegy Biz-Citizens Biz-Comenity-Comenity Biz-Bread -DSNB-Webbank-Bill

schsa210 · ‎10-08-2015

Congrats!

And thanks for the lesson.

~buried myself in the garden~

dcastillo68 · ‎10-08-2015

ha, I thought I was the only one that did this! Congrats on the approval?

What's the next card on your radar?

Starting Score 7/15/15 EQ 562 | TU 557 | EXP 556 Current Score EQ 601 | TU 622 | EXP 632

Pway · ‎10-08-2015

Congrats

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.

alextercero · ‎10-08-2015

Congrats

Current Credit Cards

NFCU More Rewards | CL $4500 | APR 15.40% | 08/2021

Capital One Quicksilver One | CL $6600 | APR 31.74% | 09/2021

Capital One Quicksilver | CL $5500 | APR 31.74% | 02/2022

NFCU Cash Rewards | CL $4500 | APR 15.40% | 06/2022

Goldman Sack Apple Card | CL $6400 | APR 23.74% | 02/2024

NFCU Go Rewards | CL $33000 | APR 13.74% | 03/2024

CITI Bank Custom Cash | CL $3900 | APR 29.74% | 08/2024

Discover it | CL $3000 | APR 29.74% | 11/2024

CITI Bank Rewards+ | CL $5200 | APR 29.74% | 12/2024

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)

Credit Age:

Inquiries:

Anonymous · ‎10-08-2015

Congratulations!

OmarGB9 · ‎10-08-2015

Grats

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

Anonymous · ‎10-09-2015

Congrats!

antso91 · ‎10-09-2015

congrats!!

I forgot the rule, is it a soft pull if your declined? hard pull if your accepted? (when you already have a card I mean)