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MY HIGHEST CL - 2/2 Approvals (Citi TY Premier & AMEX Hilton Ascend)

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Regular Contributor

MY HIGHEST CL - 2/2 Approvals (Citi TY Premier & AMEX Hilton Ascend)

Before work 4:30 am, I felt froggy! I was pre-qualified for the Citi TY Premier for a month or so [5 offers total]. I wanted to wait until all of my reported credit cards aged to 2 months (CL $700 & $500). I had a set APR at 15.74%. I felt confident, but worried about my current lines (thank you to everyone who responded to my PMs). Well, during the application....Citi couldn't verify the phone number I gave. I refreshed and tried to apply again. I was denied for obvious reasons. Tried to call the backdoor numbers before I left work, but they weren't opened yet.

 

Well, I decided to shift my focus to the AMEX Hilton Honors Ascend, which I was pre-approved for. I have a lot of spend coming up and as a BI consultant, I travel enough. Approved for $1,000. 

 

After I got off, I tried Citi's backdoor number located in the thread. Got great CSR. She sent me a code. Came back and approved me for $7,600!!!!!!!!!! Citi wants to be my new daily driver. 

 

Bringing my total line to $10,300 in 2 months! I still am "suppose" to receive CLI from Chase and AMEX in July.

 

NOW, when is the welcome back to the GARDEN PARTY?! I got to age A LOT....! 

 

DPs:

TU: 688 (6 medical charge-offs...starting process to remove) 3 INQ (1 drops off in July), EQ: 758 1 INQ (drops off in July), EX: 749 4 INQ (2 drop-off in July)

UTIL: <1% ($2 out of $1,200)

AAoA: 3 years

AoOA: 5.6 years

10/15/17: TU: 573 (Vantage 3.0), EQ: 661 (Vantage 3.0), EX: 699 (FICO 8)
8/15/18: FICO 8 TU: 697, EQ: 727, EX: 703
Message 1 of 11
10 REPLIES 10
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Valued Contributor

Re: MY HIGHEST CL - 2/2 Approvals

Congratulations!

Message 2 of 11
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Valued Contributor

Re: MY HIGHEST CL - 2/2 Approvals

Congrats on your approvals..esp. Citi!!

 

You are SUPPOSED to have a CLI for Chase at 6 months? LOL I am sorry, but Chase generally doesn’t work that way.


@LuckJrwrote:

Before work 4:30 am, I felt froggy! I was pre-qualified for the Citi TY Premier for a month or so [5 offers total]. I wanted to wait until all of my reported credit cards aged to 2 months (CL $700 & $500). I had a set APR at 15.74%. I felt confident, but worried about my current lines (thank you to everyone who responded to my PMs). Well, during the application....Citi couldn't verify the phone number I gave. I refreshed and tried to apply again. I was denied for obvious reasons. Tried to call the backdoor numbers before I left work, but they weren't opened yet.

 

Well, I decided to shift my focus to the AMEX Hilton Honors Ascend, which I was pre-approved for. I have a lot of spend coming up and as a BI consultant, I travel enough. Approved for $1,000. 

 

After I got off, I tried Citi's backdoor number located in the thread. Got great CSR. She sent me a code. Came back and approved me for $7,600!!!!!!!!!! Citi wants to be my new daily driver. 

 

Bringing my total line to $10,300 in 2 months! I still am "suppose" to receive CLI from Chase and AMEX in July.

 

NOW, when is the welcome back to the GARDEN PARTY?! I got to age A LOT....! 

 

DPs:

TU: 688 (6 medical charge-offs...starting process to remove) 3 INQ (1 drops off in July), EQ: 758 1 INQ (drops off in July), EX: 749 4 INQ (2 drop-off in July)

UTIL: <1% ($2 out of $1,200)

AAoA: 3 years

AoOA: 5.6 years


 

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 3 of 11
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Regular Contributor

Re: MY HIGHEST CL - 2/2 Approvals


@fltireguywrote:

Congrats on your approvals..esp. Citi!!

 

You are SUPPOSED to have a CLI for Chase at 6 months? LOL I am sorry, but Chase generally doesn’t work that way.


@LuckJrwrote:

Before work 4:30 am, I felt froggy! I was pre-qualified for the Citi TY Premier for a month or so [5 offers total]. I wanted to wait until all of my reported credit cards aged to 2 months (CL $700 & $500). I had a set APR at 15.74%. I felt confident, but worried about my current lines (thank you to everyone who responded to my PMs). Well, during the application....Citi couldn't verify the phone number I gave. I refreshed and tried to apply again. I was denied for obvious reasons. Tried to call the backdoor numbers before I left work, but they weren't opened yet.

 

Well, I decided to shift my focus to the AMEX Hilton Honors Ascend, which I was pre-approved for. I have a lot of spend coming up and as a BI consultant, I travel enough. Approved for $1,000. 

 

After I got off, I tried Citi's backdoor number located in the thread. Got great CSR. She sent me a code. Came back and approved me for $7,600!!!!!!!!!! Citi wants to be my new daily driver. 

 

Bringing my total line to $10,300 in 2 months! I still am "suppose" to receive CLI from Chase and AMEX in July.

 

NOW, when is the welcome back to the GARDEN PARTY?! I got to age A LOT....! 

 

DPs:

TU: 688 (6 medical charge-offs...starting process to remove) 3 INQ (1 drops off in July), EQ: 758 1 INQ (drops off in July), EX: 749 4 INQ (2 drop-off in July)

UTIL: <1% ($2 out of $1,200)

AAoA: 3 years

AoOA: 5.6 years


 


LOL I'm in their "credit steps" program, along with AMEX. 

10/15/17: TU: 573 (Vantage 3.0), EQ: 661 (Vantage 3.0), EX: 699 (FICO 8)
8/15/18: FICO 8 TU: 697, EQ: 727, EX: 703
Message 4 of 11
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Regular Contributor

Re: MY HIGHEST CL - 2/2 Approvals


@corpcrmgrwrote:

Congratulations!


Thank you! 

10/15/17: TU: 573 (Vantage 3.0), EQ: 661 (Vantage 3.0), EX: 699 (FICO 8)
8/15/18: FICO 8 TU: 697, EQ: 727, EX: 703
Message 5 of 11
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Frequent Contributor

Re: MY HIGHEST CL - 2/2 Approvals

Congrats!! Nice pickups!
Current Fico 8 Scores:

Credit Goal:

Gardening until 2021

Current Cards:


Wish List:



Message 6 of 11
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Regular Contributor

Re: MY HIGHEST CL - 2/2 Approvals


@Rjw170wrote:
Congrats!! Nice pickups!

Appreciate it! I hope, I can get my ED CL like yours one day.

 

Since applying for my Merrick and Chase, then I discovered the forums and have learned a lot

10/15/17: TU: 573 (Vantage 3.0), EQ: 661 (Vantage 3.0), EX: 699 (FICO 8)
8/15/18: FICO 8 TU: 697, EQ: 727, EX: 703
Message 7 of 11
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Frequent Contributor

Re: MY HIGHEST CL - 2/2 Approvals

I was surprised by the CL especially since I am in their “Credit steps” program.
Current Fico 8 Scores:

Credit Goal:

Gardening until 2021

Current Cards:


Wish List:



Message 8 of 11
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Valued Contributor

Re: MY HIGHEST CL - 2/2 Approvals

Congrats.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 9 of 11
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Regular Contributor

Re: MY HIGHEST CL - 2/2 Approvals


@Rjw170wrote:
I was surprised by the CL especially since I am in their “Credit steps” program.

Well, congrats! AMEX likes your profile. I'm sure they'll grow for both us. 

10/15/17: TU: 573 (Vantage 3.0), EQ: 661 (Vantage 3.0), EX: 699 (FICO 8)
8/15/18: FICO 8 TU: 697, EQ: 727, EX: 703
Message 10 of 11
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