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Update:Lowes and US Bank Smiths123 Rewards Approved, spree

Reazon
Valued Member

Update:Lowes and US Bank Smiths123 Rewards Approved, spree

Hello everyone,
 
I have a confession, mixed emotions I guess,
I wanted to garden, I spree'd against my better judgement, give it to me.
first app
  Chase Freedom Unltd.--Denied.  no offers, I knew I shouldn't have, but my Amex will report next couple days, that will put me 5/24 for 12 months. Exp. pulled
Second App.
  Us Bank Smiths 123 Rewards-- INSTANT APPROVAL. 5K SL. I spend about 1K monthly in groceries, I'll get about $1 of gal. of fuel ea time I fill up, 2 cars about 3 fills ea. month.  Free $100 in groceries. not bad, Kroger stopped taking Visa. So it made sense. TU Pulled
Third App.
  Lowes-- INSTANT APPROVAL.  1K SL.  Need some appliances soon, 0% not bad. But dissappointed in the Low SL, was hoping for at least 3K.  What's the best number to recon the SL for Lowes? TU pulled
 
This is where I knew I should have stopped, but I want into Citi.
Fourth App.
  Citi Rewards+-- Instant Denial. I was sad.  Exp pulled
wanted to maximize travel benefits and the 0% offer
Only prequal I showed was for Home Depot.??
 
I really wanted in with the Freedom Unlimited. that made me the most sadest. then pounded with Citi denial. 
 
AND.. Tomorrow is my 61 day for Amex., I feel I messed that up with all the INQ's.
Exp Fico 8 Dropped 12 points this morning to 699
let me have it
CSP 726/5K
AMEX DELTA GOLD 0/2K
Lowe's 0/17K
CAPONE QS 0/$750
DISCOVER IT SECURED 0/$300
RC WILLEY 0/$300
EX FICO 8= 711
EQ FICO 8= 735
TU FICO 8= 727
AS OF 05/12/2019
Message 1 of 8
7 REPLIES 7
Obscure-Expert
Valued Contributor

Re: Lowes and US Bank Smiths123 Rewards Approved, spree

INQ are only temprorary and don't hurt that much.

 

Lowes can be a quick call to Credit Solutions and bumped up significantly 

 

Chase will present opportunities down the road it's not the end of the world.  

500K+ TCL / 800+ FCOs
Message 2 of 8
Marz2002
Valued Contributor

Re: Lowes and US Bank Smiths123 Rewards Approved, spree


@Obscure-Expert wrote:

INQ are only temprorary and don't hurt that much.

 

Lowes can be a quick call to Credit Solutions and bumped up significantly 

 

Chase will present opportunities down the road it's not the end of the world.  


+1, AGREED!!!

 

I would call Credit Solutions right away to Recon!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $211K+ | Rebuilding since April 2018
Message 3 of 8
pinkandgrey
Community Leader
Senior Contributor

Re: Lowes and US Bank Smiths123 Rewards Approved, spree

Congrats on the approvals! Sorry about those denials, but at least you got some good cards out of the deal. 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 4 of 8
xaximus
Valued Contributor

Re: Lowes and US Bank Smiths123 Rewards Approved, spree

Congrats on the approval!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 5 of 8
Brooklyn2018
Valued Contributor

Re: Lowes and US Bank Smiths123 Rewards Approved, spree

Congrats on your approvals!! Like @pinkandgrey at least you got some nice cards. I need that Lowe’s card(after recon😉) and I’ll trade ya my Fingerhut Card-it’s got great deals!!!🤣😂🤣😂

👍👍👍




Goal Score: 600(within a year)**MET MY GOAL**
Goal Score: 700(by May/2021)>

Take the myFICO Fitness Challenge













Message 6 of 8
credit_is_crack
Valued Contributor

Re: Lowes and US Bank Smiths123 Rewards Approved, spree

Congrats on the Lowes and USB Wins @Reazon! So you went on a bender -- I'm VERY guilty of that and sometimes you wake up a little bit more sober and realize.. "yeah I won't be bringing that up later" Smiley Very Happy

 

Ignore the Chase/Citi denials, you banked on US Bank (solid bank) and Lowes (which can grow much faster than the other three combined). Sync is big on TU so if you have a LOT of activity there you may find a rejection for a CLI but call them up (Credit Solutions number found on this forum, usually a US based center) and let them know you planned on getting some appliances and they'll check it out. Usually its a SP but ask to confirm so you're ready for it. Congrats again!! 

Message 7 of 8
Reazon
Valued Member

Re: Update:Lowes and US Bank Smiths123 Rewards Approved, spree


Update:
I called into Lowes credit solutions for a recon my low SL, we'll happy to report they bumped me up to 10k! The full amount I asked for, maybe I should of asked for more, but I'm ok with it. I know it will grow.
Again without the knowledge I gained here, this wouldn't have happened so quickly.
Thank you
Now time to recon Chase and Citi, I'll report later. Hahaha
CSP 726/5K
AMEX DELTA GOLD 0/2K
Lowe's 0/17K
CAPONE QS 0/$750
DISCOVER IT SECURED 0/$300
RC WILLEY 0/$300
EX FICO 8= 711
EQ FICO 8= 735
TU FICO 8= 727
AS OF 05/12/2019
Message 8 of 8
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