Re: Virgin America - $49 version one - Approved - myFICO® Forums

CreditCuriosity · ‎10-24-2015

Well it is a well known fact I can't garden and really have no intention to ever try. I applied for the Virgin America last night and got approved for the Visa Signature Version being the black card ($49) AF version of the card. Instant Approval.. Had the SCT, but just did the regular application. I was expecting a higher approval amount, but it will work. Did this for a few reasons. I am dumping my JCREW this month and wanted something to fill the void for utilization, etc.. I won't have any store cards anymore unless you include CareCredit, but I find CareCredit to be an awesome card due to 0% stuff.

So far it appears to be a SP, as I see I was hit on Experian yesterday with a SP from them.. Maybe EQ is lagging behind, will find out and update. Expecting a HP and hoping for a SP.

So with that said. I got the Mid Tier being Tier 2 Visa Signature version at $5500.

UPDATE: Did get hit with an EQ HP! Just so I don't misguide people!

Anonymous · ‎10-24-2015

Congrats!

sjt · ‎10-24-2015

Congrats!

what was your credit profile at the time you applied.

American Express: Platinum Charge, Business Platinum, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Bank of America: Alaska Air Atmos Summit Visa Infinite
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Globe WLMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 12.24, EX: 816 / EQ: 825 / TU: 818

Anonymous · ‎10-24-2015

Congratulations, CC, very nice work. You do a solid job of targeting your credit profile toward specific things that will be helpful overall.

Absolutely applaud you getting rid of ALL the store cards too - that is a great step and I think it will strengthen your profile overall, and help you get rid of unnecessary dead weight.

CreditCuriosity · ‎10-24-2015

Thanks all..

@SJT.. Experian is around 705 and Equifax around 702 Fico I believe and similiar for TU. Inquires TU: 3, EXP: 12, EQ: 12. ALOT of new account in the last 12 months like 12-13? Utilization @ 1%, AAoA around 4-6 years, income 6 figures. Hope this helps..

Anonymous · ‎10-24-2015

CC, how many of the other accounts in the last 12 months were Comenity, prior to this one? Thanks

ddemari · ‎10-24-2015

Awesome!!! Now u are making me wish I could that pop up!

CreditCuriosity · ‎10-24-2015

@Anonymous wrote:
CC, how many of the other accounts in the last 12 months were Comenity, prior to this one? Thanks

Just the Total Rewards... The JCREW was about 13 months ago? I also got the sportman guide mailer/pre-approval in the mail yesterday.. I just can't see taking a HP for that card for myself as I just don't shop at that store and can't personally for myself see any value that card adds unless I want to get to X credit line, but I don't want to do that as I have other plans for my credit and want to leave alot of available credit open for future applications without being being under the microscope to much. I am at around 120k total credit still under my yearly gross salary. Although when I cancel the JCREW card it will be closer to 110kish in my personal avaialble credit. Still have plans to apply for the Ritz this year if the 140k offer comes back around.

CreditCuriosity · ‎10-24-2015

@ddemari wrote:
Awesome!!! Now u are making me wish I could that pop up!

LOL didn't use the pop-up although I had it.. As I edited my Original post it was a HP on Equifax that I just looked into and a SP against Experian.. Not sure why they SP experian as well, but a 3rd party called Alliance Data