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Yep. I lay dormant for seven months, no apps, and yesterday I got approved for an AMEX Blue Cash Preferred. And I got a Navy CashRewards CLI of $3000 (from $2000 to $5000) and so to top it off, I was a fool and apped for an eBay Mastercard. And got this kingly sum of $800! But I don't care, it wasn't a denial and I have faith that it will grow. (APR is 19.99%, which is the "best" APR they offer on this card, right? So that's good.)
I'm DONE now for 2020. Back to the garden.
Why eBay? Because I knew I wouldn't get the Navy Flagship (which I was hoping for) and I only wanted to app for a card that pulled TU. And eBay was it. It was totally stupid and gratuitous, but at least it wasn't wasted. I'm happy! Estoy feliz!
Data points:
TU FICO 8 697
UTIL 3%
Debt to income ratio: Low, probably 5%.
Average of accounts: 4+ years. Oldest account 20+ years.
Income: Low (20ishK)
Inquiries: Two in the last 12 months for TU.
Baddies: Two-year-old 90 day late. Debt paid for less than full amount. No baddies before or since.
@Anonymous wrote:Why eBay? Because I knew I wouldn't get the Navy Flagship (which I was hoping for) and I only wanted to app for a card that pulled TU. And eBay was it. It was totally stupid and gratuitous, but at least it wasn't wasted. I'm happy! Estoy feliz!
I think you'll like this card. I got mine in August and have found it quite useful. I believe 4 months/stmts. is the magic number for cli requests. (we shall see....goodluck when the time comes) Also, csr told me that 19.99% was the lowest this card goes.
Enjoy this card and hopefully you'll snag that Navy Flagship in 2021. Congrats on all of your new tls!
Congratulations!
@Anonymous wrote:Yep. I lay dormant for seven months, no apps, and yesterday I got approved for an AMEX Blue Cash Preferred. And I got a Navy CashRewards CLI of $3000 (from $2000 to $5000) and so to top it off, I was a fool and apped for an eBay Mastercard. And got this kingly sum of $800! But I don't care, it wasn't a denial and I have faith that it will grow. (APR is 19.99%, which is the "best" APR they offer on this card, right? So that's good.)
I'm DONE now for 2020. Back to the garden.
Why eBay? Because I knew I wouldn't get the Navy Flagship (which I was hoping for) and I only wanted to app for a card that pulled TU. And eBay was it. It was totally stupid and gratuitous, but at least it wasn't wasted. I'm happy! Estoy feliz!
Data points:
TU FICO 8 697
UTIL 3%
Debt to income ratio: Low, probably 5%.
Average of accounts: 4+ years. Oldest account 20+ years.
Income: Low (20ishK)
Inquiries: Two in the last 12 months for TU.
Baddies: Two-year-old 90 day late. Debt paid for less than full amount. No baddies before or since.
I 💚 sprees
Congrats on all your success.
Nice, yes it will grow over time, congrats
Congratulations on your approval!!
Congratulations on your Ebay Mastercard approval!