So I was purchasing some tickets to Hawaii on United and an offer of 30k points, first year fee waived and $50 statement credit for Chase United Explorer card popped up. I know that many got a 50k offer, but I only ever get 30k. Since all future flights will be with our young son (which means the days of no checked luggage are over) and the fee is waived for a year, I thought it was worth the inquiry hit. Figured I could always recon if denied. Imagine my surprise when I got "congratulations, your new card has been approved with a limit of 12000". This is my biggest Chase limit and the first card approved without recon. I have previously reconned the Southwest card (5k limit) and CSP (5k limit, bumped to 9.5k by closing SW card) after instant denials.
So just wanted to say thanks for all the info on this forum. I doubt that such an approval would have been possible without the history I've built with Chase on reconned cards and I didn't even know what recon was before I came here.
Oh, and I have no idea what my experian score is (which I assume they pulled), but my best guess is high 600s. Badness includes 3 chargeoffs from late 2006, one paid collection for one of the chargeoffs and a paid student loan that was in collections (DOFD 9/06). Income is somewhat of 100k, I have the cards in my signature. High limit is 13k on USAA, low is 3k on hilton amex. All others between 5-10k.
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
