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How not to go about getting approved:

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sandsanta
Contributor

How not to go about getting approved:

Date ReceivedCardStatus of ApplicationNext 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. 


Message 1 of 16
15 REPLIES 15
woodyman100
Valued Contributor

Re: How not to go about getting approved:

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
Message 2 of 16
schsa210
Established Contributor

Re: How not to go about getting approved:

Congrats!

 

And thanks for the lesson.

~buried myself in the garden~
Message 3 of 16
dcastillo68
Regular Contributor

Re: How not to go about getting approved:

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
Message 4 of 16
Pway
Valued Contributor

Re: How not to go about getting approved:

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.
Message 5 of 16
alextercero
Super Contributor

Re: How not to go about getting approved:

Congrats

Current Credit Cards



Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)


Credit Age:

Inquiries:

Message 6 of 16
Anonymous
Not applicable

Re: How not to go about getting approved:

Congratulations!

Message 7 of 16
OmarGB9
Community Leader
Super Contributor

Re: How not to go about getting approved:

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:


Message 8 of 16
Anonymous
Not applicable

Re: How not to go about getting approved:

Congrats!

Message 9 of 16
antso91
Regular Contributor

Re: How not to go about getting approved:

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)

Message 10 of 16
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