Hello All!! Boy am I excited. So story goes as follows. As many have, I went through some hardships and basically messed my credit up when I was younger. Those baddies are starting to fall off finally. Not all are gone. I've had fairly high util (40+%) overall, so this year I decided my tax return was going to pay down my balances. A lot went to the couches we put on my GE Ashley card, the rest paid my cards down to about 15-20% overall util. Boy did my credit score pop up! My TU in late Feb/early Mar was 616. As of today it stands at 714! Equifax is 646 but don't think thats updated yet. Last year I had way too many inqs..(some were from my wife who went app crazy for me too). So there was like...*COUGH40COUGH*. Ouch right? And that was on like every bureau! Anyway I've had 4 CapOne accounts...and my Barclays...been wanting to get some better cards for a LONG time.. Highest limit (other than Macy's) was Barclays at $1300 until about 2 weeks ago when CapOne raised one card to $2200. (a week AFTER the EO said no to an increase). Soo this past week I put more INQs on my report...like 10 (someone needs to bury me in the garden so I stop apping). However...much different results..
BoA - declined
Amex BCE - declined
Amex Delta Skymiles Gold - "in progress" (whatever that means but prob denied since BCE was..status says check back in 24 hrs and that was 3 days ago)
Chase Freedom - APPROVED!!!!! $3000 (it says "CREDIT ACCESS LINE" is that a Signature Card?)
Chase Southwest Premier (Card I've wanted FOREVER) - APPROVED!!! $3000 (says same as Freedom so is it a Signature?)
Home Depot - APPROVED $500
Walmart DISCOVER - APPROVED $1600 (expected the store card)
Discover IT - APPROVED $1100 (WOW...never thought I'd get this one)
FNBO - Pending
Commenity Orbitz - Declined
GE PayPalExtras MC - APPROVED!! $2500
Happy to back with Chase as years ago when I was messing up my credit they closed my one account so I closed the other.
Gonna pay off my CapOne cards and put my new better cards in my Wallet for now and SD the others 
Oh and my Barclays...been open a year next month and no CLI...at least they haven't closed it or CLD me!
@Darksyde25 wrote:Hello All!! Boy am I excited. So story goes as follows. As many have, I went through some hardships and basically messed my credit up when I was younger. Those baddies are starting to fall off finally. Not all are gone. I've had fairly high util (40+%) overall, so this year I decided my tax return was going to pay down my balances. A lot went to the couches we put on my GE Ashley card, the rest paid my cards down to about 15-20% overall util. Boy did my credit score pop up! My TU in late Feb/early Mar was 616. As of today it stands at 714! Equifax is 646 but don't think thats updated yet. Last year I had way too many inqs..(some were from my wife who went app crazy for me too). So there was like...*COUGH40COUGH*. Ouch right? And that was on like every bureau! Anyway I've had 4 CapOne accounts...and my Barclays...been wanting to get some better cards for a LONG time.. Highest limit (other than Macy's) was Barclays at $1300 until about 2 weeks ago when CapOne raised one card to $2200. (a week AFTER the EO said no to an increase). Soo this past week I put more INQs on my report...like 10 (someone needs to bury me in the garden so I stop apping). However...much different results..
BoA - declined
Amex BCE - declined
Amex Delta Skymiles Gold - "in progress" (whatever that means but prob denied since BCE was..status says check back in 24 hrs and that was 3 days ago)
Chase Freedom - APPROVED!!!!! $3000 (it says "CREDIT ACCESS LINE" is that a Signature Card?)
Chase Southwest Premier (Card I've wanted FOREVER) - APPROVED!!! $3000 (says same as Freedom so is it a Signature?)
Home Depot - APPROVED $500
Walmart DISCOVER - APPROVED $1600 (expected the store card)
Discover IT - APPROVED $1100 (WOW...never thought I'd get this one)
FNBO - Pending
Commenity Orbitz - Declined
Happy to back with Chase as years ago when I was messing up my credit they closed my one account so I closed the other.
Gonna pay off my CapOne cards and put my new better cards in my Wallet for now and SD the others
Oh and my Barclays...been open a year next month and no CLI...at least they haven't closed it or CLD me!
Congrats on your approvals I think it would be best for you to garden and let your accounts age and also the inquires
Nice run, recon those denials if you have not already done so. Grats
@gdale6 wrote:Nice run, recon those denials if you have not already done so. Grats
yah I'm a little nervous about doing a recon with all my INQs and still a few baddies left...and they always make me nervous with what questions they may ask...i never know how to reply lol..
Congrats!
@-Wade- wrote:
@Darksyde25 wrote:Hello All!! Boy am I excited. So story goes as follows. As many have, I went through some hardships and basically messed my credit up when I was younger. Those baddies are starting to fall off finally. Not all are gone. I've had fairly high util (40+%) overall, so this year I decided my tax return was going to pay down my balances. A lot went to the couches we put on my GE Ashley card, the rest paid my cards down to about 15-20% overall util. Boy did my credit score pop up! My TU in late Feb/early Mar was 616. As of today it stands at 714! Equifax is 646 but don't think thats updated yet. Last year I had way too many inqs..(some were from my wife who went app crazy for me too). So there was like...*COUGH40COUGH*. Ouch right? And that was on like every bureau! Anyway I've had 4 CapOne accounts...and my Barclays...been wanting to get some better cards for a LONG time.. Highest limit (other than Macy's) was Barclays at $1300 until about 2 weeks ago when CapOne raised one card to $2200. (a week AFTER the EO said no to an increase). Soo this past week I put more INQs on my report...like 10 (someone needs to bury me in the garden so I stop apping). However...much different results..
BoA - declined
Amex BCE - declined
Amex Delta Skymiles Gold - "in progress" (whatever that means but prob denied since BCE was..status says check back in 24 hrs and that was 3 days ago)
Chase Freedom - APPROVED!!!!! $3000 (it says "CREDIT ACCESS LINE" is that a Signature Card?)
Chase Southwest Premier (Card I've wanted FOREVER) - APPROVED!!! $3000 (says same as Freedom so is it a Signature?)
Home Depot - APPROVED $500
Walmart DISCOVER - APPROVED $1600 (expected the store card)
Discover IT - APPROVED $1100 (WOW...never thought I'd get this one)
FNBO - Pending
Commenity Orbitz - Declined
Happy to back with Chase as years ago when I was messing up my credit they closed my one account so I closed the other.
Gonna pay off my CapOne cards and put my new better cards in my Wallet for now and SD the others
Oh and my Barclays...been open a year next month and no CLI...at least they haven't closed it or CLD me!
Congrats on your approvals
We might need a backhoe for this garden 
@seeyouthere wrote:
@-Wade- wrote:
@Darksyde25 wrote:Hello All!! Boy am I excited. So story goes as follows. As many have, I went through some hardships and basically messed my credit up when I was younger. Those baddies are starting to fall off finally. Not all are gone. I've had fairly high util (40+%) overall, so this year I decided my tax return was going to pay down my balances. A lot went to the couches we put on my GE Ashley card, the rest paid my cards down to about 15-20% overall util. Boy did my credit score pop up! My TU in late Feb/early Mar was 616. As of today it stands at 714! Equifax is 646 but don't think thats updated yet. Last year I had way too many inqs..(some were from my wife who went app crazy for me too). So there was like...*COUGH40COUGH*. Ouch right? And that was on like every bureau! Anyway I've had 4 CapOne accounts...and my Barclays...been wanting to get some better cards for a LONG time.. Highest limit (other than Macy's) was Barclays at $1300 until about 2 weeks ago when CapOne raised one card to $2200. (a week AFTER the EO said no to an increase). Soo this past week I put more INQs on my report...like 10 (someone needs to bury me in the garden so I stop apping). However...much different results..
BoA - declined
Amex BCE - declined
Amex Delta Skymiles Gold - "in progress" (whatever that means but prob denied since BCE was..status says check back in 24 hrs and that was 3 days ago)
Chase Freedom - APPROVED!!!!! $3000 (it says "CREDIT ACCESS LINE" is that a Signature Card?)
Chase Southwest Premier (Card I've wanted FOREVER) - APPROVED!!! $3000 (says same as Freedom so is it a Signature?)
Home Depot - APPROVED $500
Walmart DISCOVER - APPROVED $1600 (expected the store card)
Discover IT - APPROVED $1100 (WOW...never thought I'd get this one)
FNBO - Pending
Commenity Orbitz - Declined
Happy to back with Chase as years ago when I was messing up my credit they closed my one account so I closed the other.
Gonna pay off my CapOne cards and put my new better cards in my Wallet for now and SD the others
Oh and my Barclays...been open a year next month and no CLI...at least they haven't closed it or CLD me!
Congrats on your approvals
We might need a backhoe for this garden
+1
>
Congrats! I think you seriously need to freeze reports and garden. You're eventually going to want some more quality cards but you won't get them with this brute force attack method. Happy for your progress!
@Darksyde25 wrote:Hello All!! Boy am I excited. So story goes as follows. As many have, I went through some hardships and basically messed my credit up when I was younger. Those baddies are starting to fall off finally. Not all are gone. I've had fairly high util (40+%) overall, so this year I decided my tax return was going to pay down my balances. A lot went to the couches we put on my GE Ashley card, the rest paid my cards down to about 15-20% overall util. Boy did my credit score pop up! My TU in late Feb/early Mar was 616. As of today it stands at 714! Equifax is 646 but don't think thats updated yet. Last year I had way too many inqs..(some were from my wife who went app crazy for me too). So there was like...*COUGH40COUGH*. Ouch right? And that was on like every bureau! Anyway I've had 4 CapOne accounts...and my Barclays...been wanting to get some better cards for a LONG time.. Highest limit (other than Macy's) was Barclays at $1300 until about 2 weeks ago when CapOne raised one card to $2200. (a week AFTER the EO said no to an increase). Soo this past week I put more INQs on my report...like 10 (someone needs to bury me in the garden so I stop apping). However...much different results..
BoA - declined
Amex BCE - declined
Amex Delta Skymiles Gold - "in progress" (whatever that means but prob denied since BCE was..status says check back in 24 hrs and that was 3 days ago)
Chase Freedom - APPROVED!!!!! $3000 (it says "CREDIT ACCESS LINE" is that a Signature Card?)
Chase Southwest Premier (Card I've wanted FOREVER) - APPROVED!!! $3000 (says same as Freedom so is it a Signature?)
Home Depot - APPROVED $500
Walmart DISCOVER - APPROVED $1600 (expected the store card)
Discover IT - APPROVED $1100 (WOW...never thought I'd get this one)
FNBO - Pending
Commenity Orbitz - Declined
GE PayPalExtras MC - APPROVED!! $2500
Happy to back with Chase as years ago when I was messing up my credit they closed my one account so I closed the other.
Gonna pay off my CapOne cards and put my new better cards in my Wallet for now and SD the others
Oh and my Barclays...been open a year next month and no CLI...at least they haven't closed it or CLD me!
Congrats on your approvals! And to answer your question, those are not Signature cards. The minimum limit in general for a signature card is 5k. You can have the cards eventually converted to Signature once you get an CLI in the future.