Its been more than a year since last applied then got denied. I applied again just earlier through phone, but got denied due to short credit history (and no installment loans). However, I called again and asked for a loan officer but ended up with operations manager. She offered to move my case to a loan officer when I tried to explain my short credit history, but moved it to a senior loan officer. It was then I got approved for $1000 (APR of 14.74%). I don't want to push my luck any further to get CLI since I plan to do BT. At least I didn't waste my HP. I will be using their auto loan in the future.
Data points (disregarding AU):
Annual income: 15000
AAoA: 12 months
EQ FICO Score 8: 775, FICO Score 9: 791
EQ Inquiries (6 mo/12 mo/24 mo): 0/0/4
Oldest Account: 18 months (w/o AU).
Accounts w/in 6 months: 0
12 months: 1
24 months: 3
No negatives at all, pristine credit file.
I already have relationship with them since last year. Used their CD since.
The manager was really helpful, unfortunately did not get her name. I will settle for $1000 and have it CLI in the future. Gonna go gardening. Next CC to apply: Ducks Unlimited, will apply 2 months before my grand road trip.
Thank you, kw, for the detailed post. And Congrats! on your approval.