Today seems to be a good day so I apply for a few credit cards for me and my wife. Before I start, let's see mywife's and my profile:
Me:
AAoA: 7 months
Oldest account: 12 months
Annual Income: 20k
Credit Line: $12,300 (plus AMEX Gold charge card)
No. of new account in the last 90 days: 0
No. of new accounts in the last 180 days: 2
No. of new accounts in the last 365 days: 4
Total credit card accounts: 6
Inq: TU=9, EX=4, EQ=3
Score: TU=720, EX=722, EQ=708 (All FICO)
Utility: 1% ($160/$12,300)
My wife:
AAoA: 4 months
Oldest account: 4 months
Annual Income: 15k
Credit line: $1,650
No. of new account in the last 90 days: 0
No. of new accounts in the last 180 days: 2
No. of new accounts in the last 365 days: 3
Total credit card accounts: 6
Total credit card accounts: 3
Inq: TU=2, EX=2, EQ=2
Utility: 2% ($30/$1,650)
If you are interested in more detail about my wife's and my profile. Here is the full details.
Today, I applied for:
1) Chase United MileagePlus Explorer: I got 10 days message. Then, I called the recon line. The rep asked me to verify my personal information and my income and approve me for $6,000 credit line. Good start !!
2) Chase Ink Cash: Got 10 days message too. Thinking that it would be the same as United card but it wasn't !! The recon rep spent more than 10 minutes with me questioning my business and personal information and denied my due to a lack of personal credit history (really ?! I have heard many people with less than 1 year of credit history are approved for Ink Cash !).
3) Barclays Arrival: Got an instant approval !! (I am pretty shocked considering that I have heard that Barclays is very inquiry sentitive). My credit line is only $3,000 so it is just a platinum edition but I am more than happy 
After got approved for Barclays Arrival, I decided to call Chase business recon again. Now I explained more details about my business and the reason I have only one year with credit history (because I just came to the US last year !!) and emphasize my relationship with Chase, my perfect payment history, and my credit card utility history (never exceed 10% in 12 months). I also plead that I did not look for a lot of credit. Just $1-2,000 should be more than enough. He spent some time questioning me (in more details. For example, he asked me what kind of transaction I have used my Freedom for, How can I pay for those transactions, etc). He put me on hold for a few times and came back to say that he recommended me for an $3,000 approval but I need to speak with the "verification" department first. He then transffered me to the verification department. The rep there asked me to verify personal information (in details) and congratulate me for $3,000 approval !!
I also able to ask Chase to expedite both United and Ink cash to me free of charge too.
On the other hand, my wife applied for only one card today. It is the AMEX Blue Cash Preferred card since all of her cards have very limited credit line (max = $750) so we hope that AMEX will make her overall profile looks better.
After appling, we got 10 days message. A few minutes later, I check her application status online and found that it was approved. Called in to find that the credit line is $2,000 !!
All in all, this is a good day for us. Now we both go to the garden for (at least) 6 months !!
Congrats X4
When I first read the title I said wow quadruplets
@myjourney wrote:
When I first read the title I said wow quadruplets
In that case, I shouldn't be able to post here for a few months (if not years) lol
@thecentury303 wrote:
@myjourney wrote:
When I first read the title I said wow quadruplets
In that case, I shouldn't be able to post here for a few months (if not years) lol
Congarts to you and DW were's my cigars (4)
Congrats on the approvals. Ink plus is my next target after I get my 3x 61 days CLI from Amex (22 more days to go). Good day indeed 
Congrats!
~kn
Congratulations to you and DW!
Congrats! Nice lineup there.
@myjourney wrote:Congrats X4
When I first read the title I said wow quadruplets
me too!!! congrats though!
@thecentury303 wrote:Today seems to be a good day so I apply for a few credit cards for me and my wife. Before I start, let's see mywife's and my profile:
Me:
AAoA: 7 months
Oldest account: 12 months
Annual Income: 20k
Credit Line: $12,300 (plus AMEX Gold charge card)
No. of new account in the last 90 days: 0
No. of new accounts in the last 180 days: 2
No. of new accounts in the last 365 days: 4
Total credit card accounts: 6
Inq: TU=9, EX=4, EQ=3
Score: TU=720, EX=722, EQ=708 (All FICO)
Utility: 1% ($160/$12,300)
My wife:
AAoA: 4 months
Oldest account: 4 months
Annual Income: 15k
Credit line: $1,650
No. of new account in the last 90 days: 0
No. of new accounts in the last 180 days: 2
No. of new accounts in the last 365 days: 3
Total credit card accounts: 6
Total credit card accounts: 3
Inq: TU=2, EX=2, EQ=2
Utility: 2% ($30/$1,650)
If you are interested in more detail about my wife's and my profile. Here is the full details.
Today, I applied for:
1) Chase United MileagePlus Explorer: I got 10 days message. Then, I called the recon line. The rep asked me to verify my personal information and my income and approve me for $6,000 credit line. Good start !!
2) Chase Ink Cash: Got 10 days message too. Thinking that it would be the same as United card but it wasn't !! The recon rep spent more than 10 minutes with me questioning my business and personal information and denied my due to a lack of personal credit history (really ?! I have heard many people with less than 1 year of credit history are approved for Ink Cash !).
3) Barclays Arrival: Got an instant approval !! (I am pretty shocked considering that I have heard that Barclays is very inquiry sentitive). My credit line is only $3,000 so it is just a platinum edition but I am more than happy
After got approved for Barclays Arrival, I decided to call Chase business recon again. Now I explained more details about my business and the reason I have only one year with credit history (because I just came to the US last year !!) and emphasize my relationship with Chase, my perfect payment history, and my credit card utility history (never exceed 10% in 12 months). I also plead that I did not look for a lot of credit. Just $1-2,000 should be more than enough. He spent some time questioning me (in more details. For example, he asked me what kind of transaction I have used my Freedom for, How can I pay for those transactions, etc). He put me on hold for a few times and came back to say that he recommended me for an $3,000 approval but I need to speak with the "verification" department first. He then transffered me to the verification department. The rep there asked me to verify personal information (in details) and congratulate me for $3,000 approval !!
I also able to ask Chase to expedite both United and Ink cash to me free of charge too.
On the other hand, my wife applied for only one card today. It is the AMEX Blue Cash Preferred card since all of her cards have very limited credit line (max = $750) so we hope that AMEX will make her overall profile looks better.
After appling, we got 10 days message. A few minutes later, I check her application status online and found that it was approved. Called in to find that the credit line is $2,000 !!
All in all, this is a good day for us. Now we both go to the garden for (at least) 6 months !!
Congrats on 4 new TLs! Excellent work, especially with Chase.
Have your considered adding your DW as an AU to the Cap One card? That would definitely increase her AAoA.