My spree comes to an end with an approval from American Express!!

[k-s]

Congrats again!
You're much better off with Chase, Discover, and Amex than you would have been with TD. Everyone has that one lender who for some reason doesn't like them. Mine is the Love Loft card. I have pretty much every prime cash back card out there, but I've app'ed for Loft twice and denied both times. There comes a time to stop fretting over the crappy cards.

[killer_queen229]

I figured because Discover IT and Chase Freedom had cashback options, that I didn't need another card like that.. and because I didn't think I'd get approved of for it.

[killer_queen229]

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@k-s wrote:
Congrats again!
You're much better off with Chase, Discover, and Amex than you would have been with TD. Everyone has that one lender who for some reason doesn't like them. Mine is the Love Loft card. I have pretty much every prime cash back card out there, but I've app'ed for Loft twice and denied both times. There comes a time to stop fretting over the crappy cards.

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Only wanted a TD Bank cause I have accounts with them (savings and checking).

[injustifiiable]

*looks at calendar*

It's March already? Boy, time does sure fly!

Congrats!

[Anonymous]

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@killer_queen229 wrote:

I read about the Blue, thought it was what I wanted and seemed conveient (even though I didn't want any of their cards before). I was debating on that or getting Blue Cash Everyday but was afraid of denial.. so stuck with Blue and got approved!! Only for $500 but still!! I got my foot in the door with them and appreciate the chance I am getting. 

So since yesterday I've applied for 5 cards.. 3 approvals and 2 denials. 

Garden time.. feels SO COZY!

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Wow, congrats! You're on a roll. Take good care of your accounts now and watch them grow

[youngandcreditwrthy]

Congrats!
Imo, IT, Freedom, and BCE are a great combo to have given the rotation of categories and constant categories BCE provides.

[killer_queen229]

How do I upgrade the card and will it cause a pull? If they said the date I'll get my card, will it take longer to get here?

[Anonymous]

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@killer_queen229 wrote:

How do I upgrade the card and will it cause a pull? If they said the date I'll get my card, will it take longer to get here?

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It will be a Soft Pull so dont worry. The credit line increase three months later will also be a soft pull. You just call AMEX and give them your info, like I said before mine was converted to BCE just days after getting approved. I just called the number on my Delta Skymiles and said "Hi, I just received my Delta Skymiles, and have decided that another type of card would suit my usage better" She asked me which card I said "Blue Cash Everyday" and  sh said Great choice! your card has been converted you will start earning your BCE points tomorrow. At that point my overall credit file was still crappy and that wasnt an issue.

That was it. The next day my account page was showing the BCE instead of the Delta. They sent a BCE and I just continued using my Delta card but for all intents and purposes it was a BCE.

[efranklin23]

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@k-s wrote:
Congrats again!
You're much better off with Chase, Discover, and Amex than you would have been with TD. Everyone has that one lender who for some reason doesn't like them. Mine is the Love Loft card. I have pretty much every prime cash back card out there, but I've app'ed for Loft twice and denied both times. There comes a time to stop fretting over the crappy cards.

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+1 I agree that once you have AMEX and Discover no need to worry about TD Bank. I love the BofA CCs alot though. Their rewards structures are actually pretty decent and many don't come with annual fees

[efranklin23]

Congrats on the APP Spree. March sure went by fast!