Hello Forums,
After partially gardening for about 10 months, I decided to go for a couple of my goal cards. I should have stayed gardening until May 1, but glad everything worked out. What I mean by partially gardening is I must admit I fell for the soft pull preapproval for DCU Platinum card I saw on the dashboard back in October.
On March 1st I set up my cell phone to app for USB CP and the lap top to app for FMB MCP. I knew in my region that both would pull TU CR, so was hoping both INQ would hit reports at same time, one not seeing the other. It seems with over 40 accounts that I would be used to apps but I'll say this is the most anxious I've ever been about apps.
After submitting the apps with US Bank being 1 sec sooner, I walked away for a minute or 2, just to come back to find both apps went pending with 7-10 day message. I call up both Banks in hopes that only ID verify was needed. US Bank CSR says she could actually see both apps are pending, but ID verify was indeed needed there with usual code to cell, then pushed to UW dept.
Called up FMB, and same thing CSR could see both apps, and verification was needed, but only FAX was accepted for SSC, and ID.
I faxed over the documents on March 2, March 4 I received approval e-mail. $16K, unknown APR. More than enough for Cell phone, & haven't decided 2nd category. (Not the best looking of cards but wanted a MC version).
March 6 I received text from US Bank that more info is needed, so called them back again to answer couple more questions. What county do I live in & what state issued my SSN? 3 hours later I receive e-mail approval. $5k, unknown APR. More than enough for Utilities & Fast Food.
I am so glad that these apps are now OVER and that USB bank didn't deny me a 3rd straight year.
DPs:
FMB: Anticiapting this app just over a year ago I parked $100 in savings acct, no transactions since acct opened.
US Bank: Gold checking acct & Kroger Mastercard since Nov 2018, Kroger card started at only $1K, now up to $18K, no direct deposit.
INQ: 1/6, 8/12, 13/24 (But 6 of 8/12 was auto shopping on 4/30/22 - main reasons I stated I should have waited until May 1 to apply)
New accts: 1/6, 2/12, 18/24
AZE2 reporting: 1 card @ 5%, another @ 1%
0 lates/ 0 derogs/ 0 collections
TUF8: 772, TUF9: 790
TCL=$544K
Thanks everyone, couldn't have achieved this milestone as soon as I did w/o the terrific DPs shared on here. All of you are awesome! I read that it takes a few days before US Bank categories are active after selecting them so I already selected my choices before card even arrives. It still seems apparent that Elan UW is much looser than US Bank when comparing the 4 plus years relationship & $5K SL to 1 year relationship & $16K SL.