Over the last few years I've really cleaned up my credit, no bad marks just high balances, high utilization, and a bad personal loan through Lending Club. I got my utilization down to 3-4% (was pushing 50% at 1 point) and paid off that ridiculous loan I took out 4-5yrs ago. I'd managed to get my FICO8 to 780, probably the highest it's ever been.
Anyway, until a few weeks ago I had only applied for 1 card in the last 2yrs. Had 1 recent car loan inquiry, maybe 3 inq in the last 2yrs on my reports, that's it. Payment history 100%, 0 negatives. Oldest account 13yrs, average age was about 5yrs.
So a few weeks ago I took a shot at the Chase Southwest card, wanting the 75k points SUB. Was my first app in a long time, approved at 15k. Then I went after a Citi Diamond, approved at 15k. Then I went after a Chase Freedom Unlimited, approved at 10k. I ended up applying and getting approved for 6 cards within 30min. The last one I tried was a WF card, forget which 1 and got a denial.
A few days after I found out about the Chase Amazon Prime card with the $200 SUB. It said pre-approved but obviously I over the 5/24 and I was sceptical. Denied of course.
Then a few days ago heard about the WF Autograph. I had no pre-approval offers listed with WF. So I've been debating and debating and finally figured why not.
Approved at $2500, $1000 for immediate use if adding to digital wallet. Unsure of the APR, probably 21-23%. Experian Fico8 was 761. I' m not 100% sure how the lingo works here with the x/6, x/12, x/24, are those new accounts over 6-12-24mo? If so it was like 6/6 (more like 6/6 days 😂), 6/12, 7/24. Had 9-10 inquires also.
I didn't even expect to get approved at all. I have another WF account (Cash Wise) with a $5k limit, but rarely use. This will be my last app for a long, long time. And I plan on closing a few of my lower tier cards.
