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Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

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Anonymous
Not applicable

Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Been out of the forums for quite a few months as we packed up and moved into a new house. So I'm just kind of filling in the gap with some recent-ish data points.

 

6/18/2020 - DISCOVER APPROVAL $2000

Had a Disco last year which I put mine + DH's income on app. They closed it after an AR. So, I got a preapproval, apped with my own income. Small limit, but they haven't AR'd me yet. EXP score was 698 at the time with 15 inq.

 

07/01/2020 - HOME DEPOT APPROVAL $500 -> $3,000

Called the backdoor number, said I needed to get new appliances and asked for $3K. They gave it to me.

 

JULY 2020 - CLI Requests approved

Overstock ($800 bump to $5600)
Wayfair ($800 bump to $6400...right before the announcement)
Boscov's ($800 bump to $4050)

NFCU Amex $2500 bump to $7500 (Started as secured, have 3 cards with them, total CL $30K)

 

08/06/2020 - MACY'S APPROVAL $500 -> $3,000

Called the backdoor number, pushed the button for "you received a letter" since the other options take you to regular CS. Had to call 2x since first rep said only store personnel can request a review. 2nd time was the charm, told them about planned furniture purchase and they gave me what I asked for - $3,000

 

08/15/2020 - AT HOME APPROVAL $2300

Went on a shopping spree for the new house. Discovered this amazing store. Expected to be declined since SYNCH loves to hit me with low limits. Saved $200 with their new cardholder coupon, def worth the pull. Pulled TU - 664 FICO8, 15 INQs

 

09/03/2020 - RAKUTEN VISA SIGNATURE APPROVAL - ????

Saw some DP's with similar stats as mine. Apped, instant approval. Approval page said "Visa Signature" with $1K temp limit (printed it) , but the email link to do an account lookup says "Visa Platinum". Will be interesting to see how this pans out. Pulled EXP, 682 w/ 26 INQ

 

09/04/2020 - Overstock CLI Approved

Been 2 mos since I asked for my last one and I put about $1200 spend outfitting this new house. Instant $1500 CLI approval.

 

As it stands here are my FICO8 deets:

 

BK7 discharged Nov 2016

EX: 681, 26 INQ

TU: 664, 16INQ

EQ: 664, 14INQ

 

Message 1 of 15
14 REPLIES 14
AllZero
Mega Contributor

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Congratulations on your approvals and CLIs!
Message 2 of 15
gdale6
Moderator Emeritus

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Congrats to all your success and thanks for posting it all Smiley Happy

Message 3 of 15
M_Smart007
Legendary Contributor

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Congratulations!!!

Message 4 of 15
Peanut4211982
Contributor

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Awesome congrats!!

Starting scores EQ 523 TU 513 EX 512....
Scores 9-01-21 fico EX 670 ..TU 666..EQ 650

Message 5 of 15
CreditAggie
Community Leader
Super Contributor

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Congratulations on your approvals and CLIs!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 6 of 15
Anonymous
Not applicable

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Congrats on all your success!!!!

August 2020 I was also approved for Rakuten Visa Sig, But When I got It was Visa Platinum. 2500.00 SL called when i got the card and got cli to 4000.00. What can you do, lol

Message 7 of 15
Anonymous
Not applicable

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Ha! Figures I couldn't get that lucky!

 

What number did you call to get the CLI? Overseas or regular CS?

Message 8 of 15
Anonymous
Not applicable

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

I do have a? for dp sake. Since you had so many inq as i do , did you take a hit.

All the cards i was approved for last month did not cost me any points.I have way to many inq and do not advise anyone to have that many for a good credit health. JW

Message 9 of 15
Anonymous
Not applicable

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

I always call the overseas number because they do a fresh softpull. This helps f your score is improved. And you are lucky ,at least you didnt get denied, and who knows you may get the sig

Message 10 of 15
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