I'm planning to accept my FNBO Amex pre-approval sometime this week, but I'm not sure it that would put me over the $50K mark or not since supposedly it's NPSL. Also starting to have a change of heart about Chase Freedom. Even though I know 4 new acct's in such a short time would TOTALLY DESTROY my AAOA!
BUSINESS 
@Credit-hoarder wrote:I'm planning to accept my FNBO Amex pre-approval sometime this week, but I'm not sure it that would put me over the $50K mark or not since supposedly it's NPSL. Also starting to have a change of heart about Chase Freedom. Even though I know 4 new acct's in such a short time would TOTALLY DESTROY my AAOA!
My AAOA is totally destroyed, but I'm not worried as I have all the credit that I will need for a long time to come. Mine is from 1.8-2.9. Don't mind at all given all the success I've had and I'm not looking to get anything else anytime soon.
(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
Good luck! Chase took a lot of time on my apps too. I had some issues with them a while back and while it's showing on my report as either Closer or account transferred, it's all paid satisfactorily, I know that I'm on internal risk list with Chase and my apps have needed manual review by multiple people. And along with you, probably doesn't help that I added SO many TL and so much CL in such a short amount of time.
Wish you the best, I know what it's like to have to wait anxiously for an answer!!
12/19/19 
06/11/20 
07/02/20
@vpae wrote:Good luck! Chase took a lot of time on my apps too. I had some issues with them a while back and while it's showing on my report as either Closer or account transferred, it's all paid satisfactorily, I know that I'm on internal risk list with Chase and my apps have needed manual review by multiple people. And along with you, probably doesn't help that I added SO many TL and so much CL in such a short amount of time.
Wish you the best, I know what it's like to have to wait anxiously for an answer!!
Thanks. You've got a might impressive lineup. Chase has been good to you.
12njoy
Your approach is the same as the ambition i been pressing ahead with too, and it's not for the faint of heart but managed intelligently as you obviously have, that effort in and of itself (not always) but can lay just the foundation expected provided of course all goes reasonable well to your favor.
I applaud your approach but like you, don't recommend others to put out their neck given the unpredictability of the timing that has to be precise with contingencies at the ready.
That being said i wish you a first place finish finally in achieving your goal.
I'm impressed and i just know the clock is Ticking in your favor to meet that mark.
Congrats!
Your approach is the same as the ambition i been pressing ahead with too, and it's not for the faint of heart but managed intelligently as you obviously have, that effort in and of itself (not always) but can lay just the foundation expected provided of course all goes reasonable well to your favor.
I applaud your approach but like you, don't recommend others to put out their neck given the unpredictability of the timing that has to be precise with contingencies at the ready.
That being said i wish you a first place finish finally in achieving your goal.
I'm impressed and i just know the clock is Ticking in your favor to meet that mark.
Congrats!
@CreditMagic7 wrote:
12njoy
Your approach is the same as the ambition i been pressing ahead with too, and it's not for the faint of heart but managed intelligently as you obviously have, that effort in and of itself (not always) but can lay just the foundation expected provided of course all goes reasonable well to your favor.
I applaud your approach but like you, don't recommend others to put out their neck given the unpredictability of the timing that has to be precise with contingencies at the ready.
That being said i wish you a first place finish finally in achieving your goal.
I'm impressed and i just know the clock is Ticking in your favor to meet that mark.
Congrats!
Thanks CreditMagic7,
I must say that I couldn't have gotten all this done with geat advice from people such as yourself. I look back and I'm amazed of what I have accommplished in the last 9 months. A year ago I was crying in despair because I couldn't really get any major credit cards. Oh how the tables have turned.
Decided to call Chase to see. Apparently, I was misled last night about the recommendation for approval. The analyst today said that there was no recommendation to approve account. No problem, as I initially didn't expect to get approved for a 3rd card due to all the new activity. This is why card was declined she said due to 18 new accounts in 2013 and six so far this year. So I'm back to trying to do a PC. She said I have a $26.37 balance on my Slate card and that has to be paid first and then they will see if they can close the Slate and open the CSP. I asked if there were anyway to transfer balance or pay over the phone right now. She said I could pay over the phone but the payment has to be posted to my account before we can move forward. I just went ahead and made the payment online. She said it takes 24-48 hours to post. The payment is scheduled for today so it should post tonight at midnight, I hope. We'll try for the CSP once the Slate is paid. I should have known last night's conversation with Chase was too good to be true.
As they say, If it sounds to good to be true, it most likely isn't true.
So maybe you should wait a few months to let your accounts age and then try again... instead of doing the PC. You are giving up almost $500 in signup bonus. If I decided to get a CSP, the signup bonus would be my main motivation.
EX:694 TU:744 EQ:777
@DaveSignal wrote:So maybe you should wait a few months to let your accounts age and then try again... instead of doing the PC. You are giving up almost $500 in signup bonus. If I decided to get a CSP, the signup bonus would be my main motivation.
Customer Service said if I was able to do a PC through the backdoor, I would be eligible for the sign up bonus. I don't think in a few months I will be eligible because not all my new accounts haven't hit my reports yet. My reports will look worse, not better so now is the time to do it. This assumes that I have the correct information which I would reverify before actually doing a PC.
@12njoy wrote:
@DaveSignal wrote:So maybe you should wait a few months to let your accounts age and then try again... instead of doing the PC. You are giving up almost $500 in signup bonus. If I decided to get a CSP, the signup bonus would be my main motivation.
Customer Service said if I was able to do a PC through the backdoor, I would be eligible for the sign up bonus. I don't think in a few months I will be eligible because not all my new accounts haven't hit my reports yet. My reports will look worse, not better so now is the time to do it. This assumes that I have the correct information which I would reverify before actually doing a PC.
You might want to get that in writing via SM. I would be shocked if they grant a sign up bonus through a PC - not even sure what a Backdoor PC means since they are all done by contacting CS
