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Union Bank Cash Rewards Instant approval!!

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Anonymous
Not applicable

Re: Union Bank Cash Rewards Instant approval!!


@Gmood1 wrote:
I've been denied off the top of my head, probably 7 times for a new CC and many more for CLIs over the last 4 years. I've had nearly 70 approvals in that same amount of time.

7 is still a decent amount. 70 cards though... 😮 

Message 21 of 54
CreditCuriosity
Moderator Emeritus

Re: Union Bank Cash Rewards Instant approval!!


@Gmood1 wrote:
I've been denied off the top of my head, probably 7 times for a new CC and many more for CLIs over the last 4 years. I've had nearly 70 approvals in that same amount of time.

Everyone gets denied even with 850's and high income as we all know just a part of the credit life cycle if one is in the game long enough and goes for juggler like you/we do Smiley Happy.  Not every bank caters for everyone

Message 22 of 54
Gmood1
Super Contributor

Re: Union Bank Cash Rewards Instant approval!!

@CreditCuriosity
Very true my friend! We just don't take the denials as bad as some here do.😂

As you say, we win some and we lose some. The game is all about strategy and spending the time to research each lender before you apply.

Once you learn how to do that, @saeran the rest will fall in place.

Pay your bills on time, let balances report and strategize. Don't focus too much on the scores. Or you'll be disappointed when you get a denial with those 800 scores as CC hints at!😉

I've been denied with 800 plus scores.
Message 23 of 54
Anonymous
Not applicable

Re: Union Bank Cash Rewards Instant approval!!

I am not really afraid of denials. The only reason I get upset about them is because I only apply for cards that fit my spending habits. 

 

Once I get rid of the baddies and start bonus chasing, I won’t care at all. Smiley Tongue

Message 24 of 54
Gmood1
Super Contributor

Re: Union Bank Cash Rewards Instant approval!!

Lol @Anonymous , oh you've already shown me you have no fear. 😂😂😂
Message 25 of 54
Anonymous
Not applicable

Re: Union Bank Cash Rewards Instant approval!!


@Gmood1 wrote:
Lol @Anonymous , oh you've already shown me you have no fear. 😂😂😂

When you have NFCU in your wallet and you pay your cards in full, there’s no real point in being worried about AA versus a lucrative SUB. 

 

I had to change the way I thought about these things because I was freaked out about potential AA in January but now I just don’t care 😂 

Message 26 of 54
credit_endurance
Valued Contributor

Re: Union Bank Cash Rewards Instant approval!!

Congrats Gmood on yet another nice approval! I am actually catching a very nice (contact) approval high while in the garden my friend. Keep up the good work! 😉
Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 27 of 54
Gmood1
Super Contributor

Re: Union Bank Cash Rewards Instant approval!!

@credit_endurance
😂😂😂😂
I'm glad I could help my friend!😉
Thanks!
Message 28 of 54
Mahraja
Valued Contributor

Re: Union Bank Cash Rewards Instant approval!!

C o p y C a t Smiley LOL Congrats to @Gmood1Smiley Wink

Profile Worth 2.0+M+
___________R.a.j
"Be Stronger Than Your Strongest Excuse"
Message 29 of 54
Gmood1
Super Contributor

Re: Union Bank Cash Rewards Instant approval!!

Thanks @Mahraja!
Still can't keep up with you or @FinStar.
You guys are 💳slayers!!
Message 30 of 54
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