TDBank and AMEX success

[compassion101]

After 1.5 years in the garden (minus a car loan), apped for TD Bank because of doing some banking in US and Canada with them and they have 5% cash back on nearly everything for the first 6 months. Approved, CL only 3k (even though I have 4 cards 5k+) but that's okay, it will probably be sufficient for my spending habits.

Apped for the Costco AMEX since we are spending a bit at Costco and I hate spending cash. Approved, unsure of CL. My first AMEX.

Also applied for the duck card, transferring a balance at 0% and want to see if they will beat my largest CL of 8k. No word on them yet, will see next week.

TD and AMEX pulled EX, duck pulled EQ. Probably around 705ish on EQ and 725ish on EX, 25% util, 7+ AAoA, 9yo BK, no lates or chargeoffs, 1 collection on TU/EQ only.

[Creditaddict]

Call Duck tomorrow!

[myjourney]

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@compassion101 wrote:

After 1.5 years in the garden (minus a car loan), apped for TD Bank because of doing some banking in US and Canada with them and they have 5% cash back on nearly everything for the first 6 months. Approved, CL only 3k (even though I have 4 cards 5k+) but that's okay, it will probably be sufficient for my spending habits.

Apped for the Costco AMEX since we are spending a bit at Costco and I hate spending cash. Approved, unsure of CL. My first AMEX.

Also applied for the duck card, transferring a balance at 0% and want to see if they will beat my largest CL of 8k. No word on them yet, will see next week.

TD and AMEX pulled EX, duck pulled EQ. Probably around 705ish on EQ and 725ish on EX, 25% util, 7+ AAoA, 9yo BK, no lates or chargeoffs, 1 collection on TU/EQ only.

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Congrats nice job 

Good luck on the pending app

[coldnmn]

Congrats! Thanks for sharing!

[alvon123]

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@Creditaddict wrote:

Call Duck tomorrow!

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+1

[compassion101]

AMEX gave me 10.5k. Surprised that high, but happy

I called the duck people, they verified my info and said a decision will be made. I'll wait for them.

[compassion101]

Ugh...denied from the duck people. Surprised as I figured the criteria for that was less than the other two. My equifax has a collection on it about 18 months old that's the only difference between that and my EX.

I'll see what the letter says when it gets here.

[myjourney]

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@compassion101 wrote:

Ugh...denied from the duck people. Surprised as I figured the criteria for that was less than the other two. My equifax has a collection on it about 18 months old that's the only difference between that and my EX.

I'll see what the letter says when it gets here.

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Sorry to hear 

[compassion101]

Duck card approved upon recon 7.5k

[dap1984va]

congratulations on the duck approval... I knew it had to be a system generated error to get denied...