Quickie post here, as I have to be at work in 30 min., so here it goes:
I decided to play around with the balances I report on my Target card this month, hopefully enticing them to offer me a Visa. Since I knew updates would go out to the CRAs on the 11th, I decided to apply for a few credit cards: One from AMEX, a Discover More card, and a Bank Americard that I was 'preapproved' for online. I seriously didn't expect anything to happen, but this would give me an idea at least of what's going on.
That was three days ago. Here's what happened:
Amex flat out refused because of short history and the 90-day. Makes sense. I may recon just to talk to a real person. I could seriously (and responsibly) use that card. Or maybe we can find a card that I am approved for.
BoA can't even find my app. I haven't pulled any reports yet so I don't know if they did a hard pull or not. That's gonna munch if they did.
That leaves only one card, the Discover. I got the dreaded 'reviewing' message and figured I was out of luck. I got a call today which I didn't answer, but called back after figuring out who it was. Talked to the lady and I was, get this, APPROVED! The terms are slightly different from what I applied for, but I now have a real Discover card!
I'll post the terms and stuff when I get the card next week in the mail.
Yay!
I decided to play around with the balances I report on my Target card this month, hopefully enticing them to offer me a Visa. Since I knew updates would go out to the CRAs on the 11th, I decided to apply for a few credit cards: One from AMEX, a Discover More card, and a Bank Americard that I was 'preapproved' for online. I seriously didn't expect anything to happen, but this would give me an idea at least of what's going on.
That was three days ago. Here's what happened:
Amex flat out refused because of short history and the 90-day. Makes sense. I may recon just to talk to a real person. I could seriously (and responsibly) use that card. Or maybe we can find a card that I am approved for.
BoA can't even find my app. I haven't pulled any reports yet so I don't know if they did a hard pull or not. That's gonna munch if they did.
That leaves only one card, the Discover. I got the dreaded 'reviewing' message and figured I was out of luck. I got a call today which I didn't answer, but called back after figuring out who it was. Talked to the lady and I was, get this, APPROVED! The terms are slightly different from what I applied for, but I now have a real Discover card!
I'll post the terms and stuff when I get the card next week in the mail.
Yay!
@Anonymous wrote:
WTG....Congrats!!! BTW...who did discover pull?
I would love to know, but I don't want to spend $50 to pull my reports again, and TC won't let me sign up because my report doesn't have enough information that I can verify. (Hogwash!) I do know Amex pulled EQ, my worst score.
So maybe Discover pulled EX? 
I'm also interested in finding out just what caused CreditKarma to bump up my score 19 points. I don't rely on that score at all, but obviously something happened to my report. (Did Discover already report?!?)
I type too much. I think I should just sleep on it.
If you want TC-
Just call them - it is an easy verification process.
@Anonymous wrote:
@Anonymous wrote:
WTG....Congrats!!! BTW...who did discover pull?
I would love to know, but I don't want to spend $50 to pull my reports again, and TC won't let me sign up because my report doesn't have enough information that I can verify. (Hogwash!) I do know Amex pulled EQ, my worst score.
I'm also interested in finding out just what caused CreditKarma to bump up my score 19 points. I don't rely on that score at all, but obviously something happened to my report. (Did Discover already report?!?)
I type too much. I think I should just sleep on it.
