Stepped out of Garden for 2 Approvals and Picked Up AMEX CLI while out!

[Anonymous]

So, about a week ago I stepped out of the Garden last week and joined Navy Federal thinking it would require a HP to join.  Since I was out and thought I had incurred a HP I went ahead and applied for the Cash Rewards Visa and was approved for a $10K SL.  Again, while out, I applied for the TD Ameritrade Client Rewards Visa (my Scottrade account was recently converted to TD Ameritrade after the buyout) and received the 2-week notice.  As it turned out, there was no HP for the NFCU membership, but there was for the CC app.  

So after a few days (Monday) I called TD Ameritrade to check on the app status and they said it was a decline (automated), so I asked for a manual review.  The very nice CSR spoke to me and made notes of what I wanted considered by the reviewing loan officer.  I was told it would take 7-9 days to review and I would receive a letter letting me know of the result and if approved a welcome letter/packet.  Well, this afternoon I recieved an email saying I'd been APPROVED! It did not give me the SL or APR, so I'll update when I receive this information. 

Also while partying out of the Garden I requested a CLI on my AMEX BCE and as mentioned in a previous post, was approved from $6K to $18K.  Yes, I could've done that without leaving the Garden (Thank you AMEX!) but I was having fun!  Now my butt is back in the Garden!    

[simplynoir]

Congrats on your haul there!

[Anonymous]

Wow!  Nice job on the BCE CLI!  Awesome!

[AverageJoesCredit]

No call of duty is greater than picking up some Navy luv, so big grats there

[Anonymous]

Nicely done!

[ls2016]

Well done! Spend wisely!

[Anonymous]

What were yours scores at time of app? What was the initial TD denial for and how did you recon (considerations, etc)?

[Anonymous]

All Scores were between 709 and 720. Experian was pulled and it was at 713. I have about 3-6 Inq on each in the past 12 months and an income of right at $100K.

The initial denial was “automated” according to the CSR, the likely culprits are 2 30-day lates from 2011 (dropping off in May & June), a paid Charge-off from 2015 I acquired in a divorce division of property, and 3 new accounts that are about 8 months old and 6 new accounts that are just over 2 months old. When I called I merely asked if I could have the denial reconsidered and she said she would have a manual review done since it was an automated denial. Positive factors discussed:
1 current car loan and 7 prior with no missed payments; 14 years of student loan repayments with no missed payments; current revolving trade lines all current and paid in full each month and most with multiple payments per month; that I’m a “new” TD Ameritrade customer with a funded brokerage account that they acquired in the Scottrade buyout, and even with my many new tradelines, my AAoA is still around 4 years because of some “seasoned” cards that I’ve had for quite a long time.

Hope that helps a little.

[Anonymous]

It does! Thanks