SoFi credit card approval!

SaintMortichai · ‎08-17-2022

I tried my best to garden, but with paying for back to school shopping, plus goodness knows how many new clothes for two growing boys, it was obvious I was going to need to apply for new credit. I managed to garden for two months since my last credit card approval, so that's something, I guess.

My credit score is unfortunately declining due to back to school shopping and other financial emergencies since my girlfriend was furloughed for about three months. The cards picked up all the regular spend she would do with her paycheck, plus more since it was summertime and kids will eat when bored. Thankfully she has started back at work with great income coming in. I knew I needed another flat 2% cash back card. I've been using my PayPal Cashback MasterCard quite a bit and wanted to ease the spend on it. I have already been banking with SoFi, so it became a no-brainer to at least try to apply.

Got approved for $3,500! I was expecting $1,000 less than that, so I am super happy to have a decent SL, in my eyes. Considering this is my 8th credit card approval in 12 months is also a great thing!

DP: SoFi pulled Experian, which was 730 before applying.

I had 5 inquiries in 24 months with Experian.

Bank of America Customized Cash Rewards: $6,000 | Capital One Quicksilver WEMC: $6,500 | Comenity GameStop PowerUp Rewards: $2,800 | Rooms to Go: $250 | Best Buy Citi Visa: $2,800 | Chase Amazon Prime Visa: $3,400 | Target RedCard: $2,500 | Chase Freedom Flex: $3,000 | Chase Freedom Unlimited: $25,000 | Chase Sapphire Preferred: $7,500 | Elan Max Cash Preferred: $2,000 | PayPal Cashback MasterCard: $9,000 | Venmo Visa: $700 | SoFi: $3,500 | American Express Blue Cash Everyday: $1,000 | X1 Visa Signature: $5,000

AU cards - Discover IT: $14,000 | Southwest Rapid Rewards: $8,500 | BoA Customized Cash Rewards WEMC: $16,000 | BoA Customized Cash Rewards Visa: $10,000 | Home Depot: $14,500 | Citi Custom Cash: $5,300 | Discover It: $2,500 | Capital One Savor One: $500

Cards I Want: American Express Blue Business Cash, American Express Blue Cash Preferred, Capital One Savor One, Capital One Venture X, Capital One Walmart Rewards, Citi Custom Cash, Synovus Cash Rewards

OFFICIALLY GARDENING UNTIL SUMMER 2024! Start date: 9.17.22

CaptinVantage · ‎08-17-2022

Congrats, did they let you accept or deny the offer or is it no HP if declined but if approved you don't get a choice ?

SDMarik · ‎08-17-2022

Congrats on the new card!

"When prosperity comes, do not use all of it"

SDMarik · ‎08-17-2022

Congrats on the new card and getting a higher limit than expected!

"When prosperity comes, do not use all of it"

Wavester64 · ‎08-17-2022

@SaintMortichai

Potential Future Cards

Closed Accounts

Pway · ‎08-17-2022

Congrats on the approval.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.

cashorcharge · ‎08-17-2022

WooHoo!! Congratulations on your SoFI Approval!!👏🏼🍾🥂

CreditAggie · ‎08-17-2022

Congratulations on your SoFi approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (June 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

nytokyobred79 · ‎08-18-2022

@SaintMortichai Congrats on your SoFi approval and enjoy gardening until next spring.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- about $240K | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
U.S. Bank Shield Visa SL: $500, successfully manually reconned to $15K

SaintMortichai · ‎08-18-2022

@CaptinVantage It is just no HP when declined. I didn't get an option to accept or refuse an o

Bank of America Customized Cash Rewards: $6,000 | Capital One Quicksilver WEMC: $6,500 | Comenity GameStop PowerUp Rewards: $2,800 | Rooms to Go: $250 | Best Buy Citi Visa: $2,800 | Chase Amazon Prime Visa: $3,400 | Target RedCard: $2,500 | Chase Freedom Flex: $3,000 | Chase Freedom Unlimited: $25,000 | Chase Sapphire Preferred: $7,500 | Elan Max Cash Preferred: $2,000 | PayPal Cashback MasterCard: $9,000 | Venmo Visa: $700 | SoFi: $3,500 | American Express Blue Cash Everyday: $1,000 | X1 Visa Signature: $5,000

AU cards - Discover IT: $14,000 | Southwest Rapid Rewards: $8,500 | BoA Customized Cash Rewards WEMC: $16,000 | BoA Customized Cash Rewards Visa: $10,000 | Home Depot: $14,500 | Citi Custom Cash: $5,300 | Discover It: $2,500 | Capital One Savor One: $500

Cards I Want: American Express Blue Business Cash, American Express Blue Cash Preferred, Capital One Savor One, Capital One Venture X, Capital One Walmart Rewards, Citi Custom Cash, Synovus Cash Rewards

OFFICIALLY GARDENING UNTIL SUMMER 2024! Start date: 9.17.22