Mini App Spree

[hammertime]

• Denied CITI Thank You Premier.  Reason too many inquiries (2), too much available credit for income.  Available credit $165K, income about 140k.  UTIL around 15%.  EQ FICO 712
• Approved AMEX BCP  $11,500 EXP FICO 722
• Approved JP Morgan Chase Select 5K  EQ FICO 712.  Wanted it for hidden CL and rental car coverage.
  
• CLI 8K to 10K  BBVA Compass Visa, pulled TU, FICO 742
• CLI 4k to 7.5k Home Depot, HP EQ asked for 7.5k
• CLI USAA Mcard 8K to 14K HP EQ
• CLI AMEX Simply Cash Biz 3k to 8k.  Only requested 8k
  

Time to garden now.

[UFGuy2006]

Congrats!!

[boomhower]

Congrats, nice run.  I've given up on Citi.  They have gotten to be more querky than Amex.

[honky]

I wish my experience was that citi is more querky.. I can't get Amex, but Citi was instant!

Nice cli--I am surprised that Citi would worry about your available credit with an income that high and util that low.

[rootpooty]

how recent were the 2 inquiries?

[Chris123nTx]

Wow nice available credit. I am up to 73,000 right now. I owe about 68k left on my mortgage. Lets see, if i play the zero percent balance transfer offers and keep it rotating from one card to the next...on the other hand never mind.

[hammertime]

Started with "0" inquiries.  I think 1 was the day before applying for Citi and the other the same day.