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@SPreb wrote:
First off thanks to everyone on this board. I have been getting a lot of helpful good info.
Some background... Had a few baddies 5-8 years ago. I graduated and got a job. A few collections and a CO. Paid them all off. Got tired of it and closed all accounts. Should have prbly kept one of the good ones open. But oh well. Laid low from 2006 till last oct. I kept getting mail offers from Cap 1 and other lower tier ones. Finally apped and got a Cap1 platinum with a CL of 500. I pif most of the time for 6 months. Got auto CLI to 2k on my 6th statement. All but one baddies have dropped off. Couple of weeks ago my EQ was at 681 and TU 670. Asked for CLI and was denied because last one was less than 6 months. After browsing these forums, I figured I would app for a few cards. Tried Chase Mileageplus explorer. I am a united freq flier. I keep getting offers. Got the 7-10 day message. Then apped for Citi. Instant decline. Prbly shouldn't have apped coz CO was with them. Then I apped for the Barclaycard arrivals. 7-10 day.
Called the back door number for both and got approved!!! 2k on chase and 2.5k on Barclay!!!
Both of them said the util was high. Cap 1 hasn't reported in 2 months. If I had read a little bit more I would have waited till they posted this month and apped with lower util. But I am not complaining.
Time to garden and wait for possible CLIs by keeping util low. Thanks again
Congrats
Due to the fact you had to recon both it's time to hit the garden and raise those seedlings to full trees
@SPreb wrote:
I am sorry I don't understand how the recons make the difference? Can u pls explain? Thanks
It was not an instant approval...Thus you recon which probably means....
Borderline approval...Denial...ID verification
In most cases its a overturned denial by way of recon
ok thanks. The barclay posted and I got a 6 point bump on EQ. Probably because of overall util going down?
To the garden, keeping util low. hopefully i am on the right track.
@SPreb wrote:ok thanks. The barclay posted and I got a 6 point bump on EQ. Probably because of overall util going down?
To the garden, keeping util low. hopefully i am on the right track.
You are on the right track for sure
Keep it going
Congrats and see you in the garden
i cannot wait to start "gardening".. But until then, thank you for all the wonderful information!