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Congrats on the approvals! Did the eBay card grow? Requested a CLI?
@Anonymous Congrats on your spree: AmEx Blue Cash Preferred; Navy Cash Rewards CLI -and- your eBay Mastercard!
@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.
Congrats in order. I have a few questions.
1. Did you prequal for any of the cards?
2. If so which ones?
3. Which cards pre-approved you and which cards pre-qualified you?
4. Which cards did you cold app for?
Congrats again awesome work!