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Recent approvals and CLIs

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M_Smart007
Legendary Contributor

Re: Recent approvals and CLIs

Congratulations on your approvals & CLI's!

Message 11 of 22
Beast26
Frequent Contributor

Re: Recent approvals and CLIs

I thought even the store version was changed into the Walmart Mastercard.  Is it still not a mastercard even though capital one took over?





Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000
Message 12 of 22
dudefromtx
Established Contributor

Re: Recent approvals and CLIs

Wow! Congrats on all your success! 

Message 13 of 22
Anonymous
Not applicable

Re: Recent approvals and CLIs


@Beast26 wrote:

I thought even the store version was changed into the Walmart Mastercard.  Is it still not a mastercard even though capital one took over?


nope. I can't even PQ for the Mastercard version since they only allow one card per person, and there's no PC option for the one I have either.

Message 14 of 22
Total80sKid
Senior Contributor

Re: Recent approvals and CLIs

Congrats on the new approvals and CLI's!

Message 15 of 22
GrandBay
Frequent Contributor

Re: Recent approvals and CLIs

@Anonymous congrats on ALL your approvals! Do you have a thread on your 12 closed cards & why?

Message 16 of 22
SUPERSQUID
Valued Contributor

Re: Recent approvals and CLIs

congrats, it seems you really have things humming.

 

i have an eye for an fnbo card but from what i read they wont approve until 2.5 years post bk.

i understand penfed is about the same and i was interested in getting a card with them when the time comes but i am leaning more towards fnbo because most of the posts here about penfed lately show them to be fickle.


@Anonymous wrote:

Hello again all. My credit rebuild has taken off to new heights with my scores approaching the 750's for the first time ever (TU is at 754 as of this post) as well as my overall UTIL reaching the sub-9% mark and decided to celebrate by going on an app spree. I'm now at the point where I can start sockdrawering some of my lower limit cards that refuse to grow for various reasons. I thought about just closing them since they are of no use to me anymore, but did some research on these forums and the general advice is to just keep them open unless they have an AF (which mine don't). All but 2 of my cards have any sort of balance on them and they're both on 0% APR promos. But first, some CLI's to report:

 

Walmart: $1850 -> $2100

CapOne QS: $1250 -> $1350 (*groan*)

Marvel MC (RIP soon): $2500 -> $3000

Amazon Synchrony: $5000 -> $6000

*update 5/6* Discover It #1 (The SJ Sharks one): $9500 -> $11,500

 

Interesting DP on the Kohl's Card, I attempted a CLI on it and came back declined for the reason "Card is at the maximum allowable credit limit". I haven't seen anyone that has that card at a higher CL than I do, so I'm assuming $3000 is the highest it can go. The CapOne CLI was insulting imho and has become the answer to the slogan "What's in your Sockdrawer?"

 

Now to the fun part, the apps.

 

Comenity MC: (recieved pre-qual email) $3000 SL *approved*

FNBO Evergreen Visa Signature: (pre-qual'd via link in the 'Soft Pull Pre-Qualify thread') $14,000 SL *approved*

Venmo Visa: $1000 SL (temporary SL?) *approved*

FNBO Rewards Visa Signature: (recieved pre-qual mail offer) $11,600 SL *approved*

Amex Blue Cash Everyday: $4,000 SL *approved*

Verizon Visa Signature: $5000 SL *approved*

 

Comenity was intriguing since I pretty much blacklisted them for balance chasing a couple of store cards I had from them before. I figured there's less of a chance of them doing that to their own branded MC. FNBO seems to be handing out high SL's like crazy lately and I'm no exception. Those two new FNBO cards are the highest and tied for the 2nd highest lines I have at the moment. The Venmo Visa is a card I had on my radar for a few months now, but now that the Marvel Card is being Thanos Snapped it was time I grab this card as it's replacement. The $1000 SL seems low and I don't remember if this was it's temp limit or not (it was 4 in the morning when I app'd for it lol). The Amex approval was surprising since I have the CashMagnet that's stuck at it's original $1000 SL and refuses to grow. Then the Verizon Visa card which was a pain in the buns to apply for since the Verizon account is in DW's name and you can't edit the name on the application. I had to call to get it changed. That was another card I had my eye on for months.

 

All in all pretty happy with my new additions. These approvals put me over the $100k TCL milestone as well Smiley Happy.

 

Sadly, there were 2 declines.

 

CapOne SavorOne: Declined for multiple reasons, one of them being "too many revolving accounts (LOL)"

 

This is now the third time I've been declined for this card and that's pretty much the final straw for them. With the addition to their slogan I made fun of earlier in the thread, I should add "What's *not* in your wallet?" to it as well.

 

Meriwest CU (Elan) Max Rewards Visa: Declined for "too many new accounts".

 

This one was a bummer since this was my most desired card. I don't know how long I should wait before trying this one again but this card is worth gardening for, and this denial may be enough reason for me to sit in the garden until it's time.


 

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017
Message 17 of 22
MrDFinance
Established Contributor

Re: Recent approvals and CLIs

Congrats on fortifying the lineup 😎

Message 18 of 22
Demented1
Established Contributor

Re: Recent approvals and CLIs

Congrats @Anonymous on your app spree and approvals...enjoy all the added leverage! Smiley Wink




Message 19 of 22
Anonymous
Not applicable

Re: Recent approvals and CLIs

Updates:

 

Gotten a few CLIs over the last couple of months, I'm now over the $150k mark in total CL.

 

Venmo Visa $1000 -> $2000

FNBO Evergreen VS $14,000 -> $16,100 (Auto CLI!)

Paypal MC $3200 -> $4800

Amazon Sync $6000 -> $9500

GS Apple MC $6500 -> $10,500

 

Got my sights set on a few cards for my next App spree. Still at the top of my wishlist are either one of the Citi Custom Cash or the Elan Max Rewards VS from my local Credit Union. Followed by PenFed Platinum Rewards VS. After that I'm gonna open the secured versions of the USBank Cash+ and Altitude Go and BoA Cash Rewards. I know those three are INQ sensitive for the unsecured and I've been denied those in the past, I likely shouldn't have any issues opening the secured versions.

Message 20 of 22
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