Langley FCU Cash Back Visa Approval

[Anonymous]

I have like 70+ hard inquries on my credit between all three reporting agencies.  I was still instantly approved for $15K (it said up to, but from what I've gathered, they mean $15K, if what you put on the app was truthful, such as income, etc).  

This will be a good cash back card for gas.

Edit: Equifax pulled with a 736 (FICO 8)  

Edit (update): It was an approval for the full $15K @ 13.24%; called in to finalise membership.

[CreditInspired]

Congrats!
70 HPs?
May I ask why you’re continuously applying for credit? Just for my own curiosity really.

[19eighty5]

Congratulations on your approval!

[Anonymous]

@CreditInspired wrote:
Congrats!
70 HPs?
May I ask why you’re continuously applying for credit? Just for my own curiosity really.

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If it's anything like me, it's a hobby . I think there are several types of people in this forum, some rebuilders, others are hobbyers don't really care about their scores since inquiries don't affect them. I think my Experian has remained around 700 for the past 4 months or so and I've applied at least 15 times. I always make payments on-time and don't have any negatives so maybe the inquiries don't really bring it down at all.

[Ardecko]

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@Anonymous wrote:

I have like 70+ hard inquries on my credit between all three reporting agencies.  I was still instantly approved for $15K (it said up to, but from what I've gathered, they mean $15K, if what you put on the app was truthful, such as income, etc).  

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Would you mind sharing the income you indicated on the app, or at least a range? (PM is fine, if you don't want to share publicly)

>100k?

[trusty]

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@Anonymous wrote:

I have like 70+ hard inquries on my credit between all three reporting agencies.  I was still instantly approved for $15K (it said up to, but from what I've gathered, they mean $15K, if what you put on the app was truthful, such as income, etc).  

This will be a good cash back card for gas.

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Congrats on the approval. Data points? How did you join? How long a member? Which credit pull? 

[Anonymous]

I have a greater than 100K income and have been a member of Langley FCU for about several hours.  LOL

It's more of a hobby for me.  I don't need credit.  I just like to collect accounts.  Even though it's probably a good thing to build rapport before you need it.  I don't have a single bad item on my credit files.  Just the inquries and many new accounts.  I do keep my credit files frozen with a PIN.  So I do think about each application.  

[trusty]

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@Anonymous wrote:

I have a greater than 100K income and have been a member of Langley FCU for about several hours.  LOL

It's more of a hobby for me.  I don't need credit.  I just like to collect accounts.  Even though it's probably a good thing to build rapport before you need it.  I don't have a single bad item on my credit files.  Just the inquries and many new accounts.  I do keep my credit files frozen with a PIN.  So I do think about each application.  

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Ok, so which credit bureau did they pull? How did you join?

[CreditInspired]

Thanks @outsider for the feedback. I never thought of applying for credit as a hobby. Another POV to add to my arsenal of info.

[CreditInspired]

Thanks OP for feedback.

And, you’re on a roll. It goes to show that lenders love to lend money to people who don’t need it.

I applaud your thinking and again congrats.