To the OP, your better than i because i couldnt wait but its a simple call and they rep will give you your CLI and APR they are actually very nice.
D
Starting Score: 617
Thank you, everyone!
It certainly is a great feeling when the plan finally comes together. Though still disappointing that I was turned down for the Sallie Mae card, it probably was for the best.
Had I been approved, I would've went straight to applying for the Capital One to finish off the spree and garden, but then Amex and even Sallie Mae would really freak out in a month's time when they see 4 new accounts all at once. This gave me an excuse to stagger them out, I suppose.
Part of my plan was to spread out the inqs so that they wouldn't all hit the same ones. I think it's worked so far, though I can't be sure until I pull my reports again.
I just got notification from CK about an inquiry to my TU, and Sallie Mae was the only hit there, so amex and citi definitely didn't pull TU.
Unfortunately, I'm not sure if Citi or Amex will send me any FICO scores or any other information. As I understand it, they're only required to if they either deny you credit, or give you credit at less than favorable terms. The 15.99% APR on my citi card appears to be the best rate for that particular card, so they probably won't have to send me anything. Citi does have a card with a lower APR but that only comes with a $100 intro offer, plus 0% BT option. I don't carry balances, so I went with the $200 offer / no BT option.
@smokiethebear912 wrote:With cards like the BCE and the Citi Dividend why would you want to even mess with Crapital One?
No interest in the discover more?
Haha, I get asked this quite often around here. 
I want the new Capital One for two reasons - first is because I make a lot of overseas purchases, so the no foreign transaction fees add up to quite a bit of savings over the year. Second, it's hard to say no to 1.5% cash back, lol. Have to take what I can get, especially with the dollar bouncing up and down.
I had the Discover More listed as a candidate on my app spree, but I can't run enough through it to achieve even the 1% cashback rate. This means it'd only be useful for the 5% categories (which rarely ever fall under any of my purchases, even on my Freedom) and its shopping mall. Being of limited use, I decided I'd hold off on getting a Discover until next year at the earliest.
@dnice77 wrote:
To the OP, your better than i because i couldn't wait but its a simple call and they rep will give you your CLI and APR they are actually very nice.
From what I've read around here, I don't doubt that Amex' CSR's would be very nice. However, with what I view as very bad delinquencies on my report, I really don't want to give Amex any reason or chance to rethink my approval, or even an FR, lol. "Don't look a gift horse in the mouth," I suppose. 
I will update this thread in about a week when I get my TU FICO from Sallie Mae. It should serve as a decent baseline, I guess.
Congrats! See you in the garden!
@Anonymous wrote:...so amex and citi definitely didn't pull TU.
YMMV but on apps in Missouri Citi pulled EQ and AMEX pulled EX.
A few others I know: BofA pulled EX, HSBC pulled EQ, Barcleys pulled TU, all the GE products pulled TU, UMB (QuikTrip Gas Card) pulled TU, and Discover pulled EQ
@Anonymous wrote:My cards arrived today.
As promised, here's a bit of an update, along with the actual info from my BCE:
Citi Dividend: As reported on the instant approval, $6,300 CL; 15.99% APR (Best rate)
AMEX Blue Cash Everyday: $13,800 CL; 17.24% APR (Best rate)
Only thing I have to say is ! I certainly was not expecting to even be approved by Amex, much less start off with something like that on my very first card with them, haha. (I don't like AF's, so I skipped the charge cards.)
I'm not sure what report they pulled yet, and I'm sure I won't get my FICO's from either of them since they gave me the best rates for each card. (I'm still waiting for the TU FICO from Sallie Mae who shot me down.)
My reports have some baddies on them - 2x old Citi student loan accounts (closed/sold) with 120-day lates, over 4 years old. Perfect history since then.
Currently have CapOne NH Cash $1500, Chase Freedom $1500; AU on Freedom $2500, AU on Sapphire $15000.
I hope this info helps others.
Thanks again, everyone!
Wow, congrats on the CL! That's quite impressive.