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Some approvals after gardening

boosnark
Contributor

Some approvals after gardening

Been gardening for more than a year so I figured it was time to see what was available.

 

US Bank Visa Infinite

  • Applied online for the card. I had a prior relationship with the bank via my REI credit card, which I use primarily for (surprise!) REI purchases.
  • Received the customary Email saying "we received your application...decision takes 7-10 business days, etc."
  • Approval was obtained the following day, and the card appeared in the US Bank app. Transunion pull (800+ score). No phone calls or contact were received prior to approval.
  • For this card I am targeting the 50K bonus points based on 4K spending in 90 days. The 3X points on mobile wallet spending is also something I was after, since I use Apple Pay more and more now. With the yearly $325 dining and travel credit this is effectively a $75/year card, which is also less than what you would pay for a yearly Priority Pass membership. So I guess it will pay for itself.
  • This card is also one of the few with primary (instead of secondary) auto rental coverage, apart from my United Airlines card, so that also helped with the decision since I do rent a lot when on vacation.

Discover Card

  • Applied for the Discover IT Miles card after being denied on multiple occasions due to too many inquiries. 
  • Applied online and got an instant approval. Experian pull (800+ score).
  • It's a free card so I'll probably maintain it and use it every now and then. It wouldn't be my main rewards card. They will, however, match my miles this first year of membership.
  • On hindsight I could have applied for the Cash Back card, but I have neither the discipline nor the interest in keeping up with different cash back categories. I think they are more trouble than they're worth.

 

These two cards will probably be the last that I would apply for in a long time, since my 26 total cards now are a pain to manage, even in a spreadsheet. Smiley Very Happy 

 

Message 1 of 13
12 REPLIES 12
CreditMagic7
Super Contributor

Re: Some approvals after gardening

Nice approvals! Congrats on bringing them home. Smiley Happy

Message 2 of 13
Reviewers
Regular Contributor

Re: Some approvals after gardening

Congratulations on your US Bank Visa Infinite and Discover IT approvals @boosnark 

My Scores:


Wishlist Cards:
Capital One Venture & Chase Sapphire Reserve

Starting Score: 674
Current Score: 715
Goal Score: 800


Message 3 of 13
cashorcharge
Senior Contributor

Re: Some approvals after gardening

That's terrific!!  Congratulations on your USB and Discover Approval!! 🎉🥂👏

Message 4 of 13
Elpadrino1
Valued Contributor

Re: Some approvals after gardening

Congratulations on your approvals!!

Message 5 of 13
Sub16610
Established Contributor

Re: Some approvals after gardening

Congrats on all your approvals!

Message 6 of 13
M_Smart007
Legendary Contributor

Re: Some approvals after gardening

Congratulations on your ApprovalsSmiley Happy

Message 7 of 13
CreditAggie
Super Contributor

Re: Some approvals after gardening

Congratulations on your approvals!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (6/12/24 month):


Banks & CUs:

Goal Cards:



Message 8 of 13
Moneyfan1974
Contributor

Re: Some approvals after gardening

Congrats. I feel you on the managing cards part with a spreadsheet. LOL

PenFed PF Visa- (20,000),PedFed Visa- (20,000),USAA Cash Rewards- (2,500),USAA Rate- (2,500),Amex BED- (3,900),Amex Hilton- (2,000),Amex Magnet- (12,400 AU),Amex Business- (9,900 AU),Discover IT Travel- (15,900),Discover IT Cash- (3,000),Macys Amex- (16,000),Chase- (4,500),Apple Card- (4,500),PNC/ BBVA- (5,500),Barclay Carnival- (6,000),Cap 1- (1,170),Cap 1- (2,500),Cap 1 Walmart- (1,200),Legacy- (2,600),Home Depot- (7,400),Lowes- (10,000),Firestone Car Care- (2,400),Victoria Secret- (2,150),Belk- (4,000),PayPal Credit- (3,400),Sams- (6,500),Kohls- (3,000),Care Credit- (12,000),Target- (600),Klarna- (1,000),Affirm Peloton- (8,000),Affirm JomaShop- (3,580),Venmo- (5,500),NFCU Rewards- (4,500),BBT Truist Bright- (3,500),BBT Truist Spectrum- (3,500),FNBO- (15,000),FNBO Green- (15,000),FNBO Business- (15,000),Verizon Visa- (4,000),Sportsman Warehouse- (4,000),Langley FCU- (10,000),Ebay Mastercard- (6,300),PenFed Personal Loan- (35,000)
Message 9 of 13
Total80sKid
Senior Contributor

Re: Some approvals after gardening

Congratulations on your approvals 👍🏼

Message 10 of 13
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