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TD Cash Back and Rakuten approvals

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Frequent Contributor

TD Cash Back and Rakuten approvals

Pleased to share data points on 2 approvals:
11/14/19- TD Cash Back Credit Card $6K Siggy Visa instant approval middle APR. I got this card for the SUB.
11/18/19- Rakuten (Sync) Siggy Visa $6.5K. Best APR. I wanted this card to get extra cash back on stuff I’m going to buy anyway. Initially got 7 to 10 day message but when doing the app they wanted to send me a text to verify it was me applying but my phone number wasn’t there to select. Thanks to this forum I knew about credit solutions so I gave them a call. Apparently I had entered the wrong telephone number when I made application. I was able to do the verification over the phone and they told me I was approved! Card will arrive in 7 to 10 days.
TD pulled Experian I’m not sure which version but my Experian FICO 8 was 733.
Rakuten is Sync so they pulled Transunion of course. TU FICO 8 was 126 but my crazy high Vantage 4 was 785 (TU Vantage 3 was 703).
Inquires in the last year TU 3
EX 4
If anyone wants more data points let me know.
Current Cards (in order they were approved with current limits):
Cap1 QS (plat.) $2750
Kohls $3K
Cap1 Savor $15K
PenFed Power Cash Rewards $2K
NFCU CashRewards $6K
NFCU MoreRewards $12.5K
Cap1 Venture $30K
PenFed Gold $2K
Ollo Rewards $3.2K
Sync Amazon $10K
NASA FCU Platinum Cash Rewards $3K
Disco It #2 $14.8K
DCU Visa $10K
NFCU Flagship Rewards $23K
Sync Care Credit $15K
PenFed Power Cash Rewards #2 $39K
WF Propel $4K
Comenity AKC $10.5K
Apple (GS) $6.5K
TD Cash Credit Card $6K
Rakuten Siggy Visa $6.5K
BBVA ClearPoints Visa $10K
Disco It #3 $8K

BK 7 discharged July 2016




Message 1 of 10
9 REPLIES 9
Senior Contributor

Re: TD Cash Back and Rakuten approvals

Congratulations on your approval!
Message 2 of 10
Super Contributor

Re: TD Cash Back and Rakuten approvals

 

Congrats on yer approvals!!!

 

Message 3 of 10
Community Leader
Mega Contributor

Re: TD Cash Back and Rakuten approvals

You have crazy good cards only 3 years post BK7🤯 Took me 8 years to realize i could even get creditSmiley Wink.

CongratsSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 10
Established Contributor

Re: TD Cash Back and Rakuten approvals

Congratulations!!! I love when people post their data points. It seems people forget the importance of that. Enjoy!


January 2020:

Stats:
Message 5 of 10
Valued Contributor

Re: TD Cash Back and Rakuten approvals


@KLEXH25 wrote:
... I love when people post their data points. It seems people forget the importance of that ...

Amen! But not Hex. Great job posting, and Congratulations! on your approvals.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (01/18/2020): FICO 08 EXP: 744; TU: 748; EQ: 748
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 6 of 10
Senior Contributor

Re: TD Cash Back and Rakuten approvals

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 7 of 10
Frequent Contributor

Re: TD Cash Back and Rakuten approvals

Thanks everyone! I especially like to share data points because of BK. That way others with BK can see which lenders are worth a shot.
AJC you may have gotten a late start but you’ve been my inspiration. Smiley Happy
Current Cards (in order they were approved with current limits):
Cap1 QS (plat.) $2750
Kohls $3K
Cap1 Savor $15K
PenFed Power Cash Rewards $2K
NFCU CashRewards $6K
NFCU MoreRewards $12.5K
Cap1 Venture $30K
PenFed Gold $2K
Ollo Rewards $3.2K
Sync Amazon $10K
NASA FCU Platinum Cash Rewards $3K
Disco It #2 $14.8K
DCU Visa $10K
NFCU Flagship Rewards $23K
Sync Care Credit $15K
PenFed Power Cash Rewards #2 $39K
WF Propel $4K
Comenity AKC $10.5K
Apple (GS) $6.5K
TD Cash Credit Card $6K
Rakuten Siggy Visa $6.5K
BBVA ClearPoints Visa $10K
Disco It #3 $8K

BK 7 discharged July 2016




Message 8 of 10
Super Contributor

Re: TD Cash Back and Rakuten approvals

Nice. Yes great DP's for us BK'ers. Congrats!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 9 of 10
Super Contributor

Re: TD Cash Back and Rakuten approvals

Congrats x2 !!




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2020 CCT EX 832 TU 848 EQ 842
It's just a jump to the left
And then a step to the right
Put your hands on your hips
You bring your knees in tight
But it's the pelvic thrust that really drives you insane
Let's do the Time Warp again!
Let's do the Time Warp again!

Message 10 of 10
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