Mini app spree

[coreysw12]

I had been gardening for quite a while, and was planning to continue gardening for however long it takes to get a CFF card.

Last night I decided to just cold-apply for the CFF. Was denied. Called recon this morning, they said it was eligible for reconsideration and just needed to verify my info, so we did that but it still came back denied. Reason was "I have too much credit already". Which doesn't make sense to me since I only have $26k in credit lines (14k of that is with chase) and make $105k per year. But they didn't budge.

So since I already wasted a double HP for nothing, I figured I'd try to knock out some of the non-Chase cards on my wishlist, that I had been holding off on applying for until I got the CFF. Since that's not happening, I went ahead and applied for these two cards, and was inst-approved for both:

Amazon Prime Store Card (Synchrony) - $3,800

REI World Elite Mastercard (US Bank) - $10,500

Good enough for me! Back to the garden I go...

[AllZero]

Congratulations on your approvals!

[coreysw12]

Thanks! Now I'm over 5/24 until May 2021, but oh well. Doesn't sound like Chase was in the mood to give me any love anyways.

[Anonymous]

Sorry about the Chase denial but congrats on your approvals!

[M_Smart007]

Sorry for you CFF Denial

Congratulations on your Approvals

[Anonymous]

Have you thought of asking them to move limits to make the new account?

[gdale6]

Grats on your 2 new approved cards

[coreysw12]

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@Anonymous wrote:

Have you thought of asking them to move limits to make the new account?

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I thought about it, but the problem is my CSR is already at the minimum SL ($10k), and the SL on my CFU is already too low for my needs as it is - if I even pulled $1k off of it, the limit would be so low I'd have to make 3 payments every month to keep it from maxing out (I already have to make 2 every month).

[coldfusion]

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@coreysw12 wrote:

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@Anonymous wrote:

Have you thought of asking them to move limits to make the new account?

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I thought about it, but the problem is my CSR is already at the minimum SL ($10k), and the SL on my CFU is already too low for my needs as it is - if I even pulled $1k off of it, the limit would be so low I'd have to make 3 payments every month to keep it from maxing out (I already have to make 2 every month).

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Just to make sure, do you know that Chase will allow a cardholder to lower the CL on an existing CSR below $10K? 

[coreysw12]

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@gdale6 wrote:

Grats on your 2 new approved cards

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Thanks! 2 years ago I would've been happy to even get approved for anything, so I'm pretty happy with a 2-out-of-3 success today!

I'm shocked by the $10.5k SL from US Bank - not only because it's now my highest SL I've ever gotten, but also because US Bank outright denied me for a Cash+ card not that long ago.