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Unexpected Approval

MyLoFICO
Valued Contributor

Unexpected Approval

If you have read any of my posts in the last 6 days you know I have app’d for several Visa’s and MasterCards. Well, apparently I app’d a Chevron / Texaco Visa and more than once. I swear I got a denial message and I certainly don’t remember apping more than once. I mean, I really and truly think I did get denied. Turns out I have the card on the way. Synch just called to verify me and said congrats, you’re approved but I had to deny the other application since it was a duplicate application.  

 

So at this point I think it’s time to recognize I have a real problem with apping. I mean like a full blown medical issue. Oooh! I guess I should app the Care Credit and seek medical help… Or maybe just stop apping and get in the garden. Scary part is, I also app'd the Ebates card and atleast one other that I can't remember what it was and got what I think was denials there too. I think this might be worse that drapping. Smiley Sad 


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 1 of 29
28 REPLIES 28
ficoguy2013
Regular Contributor

Re: Unexpected Approval

Congrats!

 

What was your SL?

 

What was your Trans Scoring?

Lines of Credit Navy FCU Cash Rewards Signature - $25k || Navy FCU LOC - $15k || Barclay's Apple Rewards - $5k || ECP Military Exchange - $4k || DCU Platinum Rewards - $2k || Discover IT - $750 || Capital One Quicksilver - $2.5k || USAA American Express - $5k || Target Redcard - $2.4k ||
Auto Loans:Toyota Financial $25,000 - 1.9% || USAA Auto $32,000 - 1.76% || DCU Auto $32,000 - 2.49% (dd discount .50%)

Utl @ 10% - Main Card: Navy FCU Cash Rewards
Message 2 of 29
MyLoFICO
Valued Contributor

Re: Unexpected Approval

SL is $1200 but I will CLI that when I get home. They typically bump me to 6-8k when I do. My TU is around 700. Well, it was 700 when I app'd all these cards and I get alerts that it has gone up but it won't refresh for another 8 days so I can't see what it is now. I have app'd and gotten the following in the last 5 days:

 

Marvel 6k

Stash 8k

Wal-Mart MC 6k

Cabellas 1.5k

Apple Rewards 2k

Chevron/Texaco Visa 1.2K

 

I am really going to stop now. This Chevron thing kinda spooked me. I just wanted to add a few majors to my mix but now I have a bunch of them. Time to reel in my app spree. I have 2 apps in with Chase I never heard back from. Its been a few weeks. After this thing with Chevron, I called their status # and they are still in review. Now, I really want those 2 but if I had known they took that long and that I might still be approved (co-branded sonot part of the 5/24) I would not have app'd all these other cards. My AAoA has more hits than Beyonce and it looks like I might have app'd myself into the garden for a really long time. 


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 3 of 29
Anonymous
Not applicable

Re: Unexpected Approval

You should be able to get that one to around 6k pretty easily

Message 4 of 29
RonM21
Valued Contributor

Re: Unexpected Approval

Well congrats on the approval!


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 5 of 29
Anonymous
Not applicable

Re: Unexpected Approval

Congratulations!

Message 6 of 29
MyLoFICO
Valued Contributor

Re: Unexpected Approval

Thanks. I called CS and asked for the CLI. They approved it to 4k. That brings my total credit limit to $78k.


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 7 of 29
Anonymous
Not applicable

Re: Unexpected Approval

Congrats to you!Smiley Happy

Message 8 of 29
Anonymous
Not applicable

Re: Unexpected Approval


@MyLoFICO wrote:

Thanks. I called CS and asked for the CLI. They approved it to 4k. That brings my total credit limit to $78k.


Congrats on your success !!

Message 9 of 29
MyLoFICO
Valued Contributor

Re: Unexpected Approval

Thanks. Happy to have it. 


Experian: 677 (28) | TransUnion: 697 (27) | Equifax: 684 (6)
Gardening as of: 1-23-2018
Updated 1-25-18
Message 10 of 29
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