It's been too long

[12njoy]

I completed a small app spree in the last 4 days.

Truist = Denied (4 existing cards) Equifax

BofA = $19,500 (3rd card) Experian

Amazon Visa = $20,000 Transunion

Rakuten Amex = $15,000 Transunion

Citizens Summit Reserve = $11,000 (has soft pull preapproval tool) Experian

I have an offer in Credit Karma for the Credit One Amex with $10,000 limit.  I just can't do it though.  I'm thinking there may be issues so I'm going to skip that.  Ever so close to 2 million

[JoeRockhead]

Very nice haul you got there, congratulations on all the approvals!

[user979797]

Congratulations 🎉 🎉 🎉 on all of those approvals you got. Woo hoo!!!! It's a hard decision about the credit one 10k approval I feel the same way about mine. Probably won't take it. 😊

[coreyb80]

Congrats on the strong approvals!

[cashorcharge]

Congratulations on your approvals

It's been a long time since I've seen Citizens offer a SP Pre-approval...or maybe I stopped paying attention

Did the prequal give you a SL or just say you would be approved?

[12njoy]

Thanks all.  I added two more to the mix:  One approval - CITI/Advantage Globe Mastercard.  Only approved for 5k (I'm not at the 100k limit) with CITI according to Underwriting.  They said once the card populates for customer service I can all in to reallocate credit from other CITI cards.  The one CITI card I would love to reallocate I can't which is the Macy's Amex whereas that sits at 25k.  At any ony point I will reallocate where I can.  The good thing is that even though I have an Advantage Platinum now I still earn the bonus with the new card AND they already put the complimentary 4 Admirals Club passes in my wallet (no waiting for anniversary year).  

One withdrawn - Tower Federal Credit Union.  I have two cards with them now (30k/10k) and a 10k LOC.  They wanted me to close or reduce the limit on my cards to open the new line.  A hard pull wasted but nothing else to get now.  It was a good run.

[DONZI]

Congratulations!

Wow! Once you get to 2MM are you going to open up applications for AU accounts? 

[12njoy]

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@cashorcharge wrote:

Congratulations on your approvals

It's been a long time since I've seen Citizens offer a SP Pre-approval...or maybe I stopped paying attention

Did the prequal give you a SL or just say you would be approved?

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It gave me the credit limit and options for two other cards they had with credit limits on those. Interesting enough the other two cards had lower credit limits.  Those two had either no AF or much lower than the one I accepted 

[12njoy]

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@DONZI wrote:

Congratulations!

Wow! Once you get to 2MM are you going to open up applications for AU accounts? 

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I seriously doubt I'll reach 2MM (wishful thinking though)

[cashorcharge]

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@12njoy wrote:

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@cashorcharge wrote:

Congratulations on your approvals

It's been a long time since I've seen Citizens offer a SP Pre-approval...or maybe I stopped paying attention

Did the prequal give you a SL or just say you would be approved?

---

It gave me the credit limit and options for two other cards they had with credit limits on those. Interesting enough the other two cards had lower credit limits.  Those two had either no AF or much lower than the one I accepted 

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Thanks so much @12njoy