@Anonymous wrote:
@CS800 wrote:
@Creditaddict wrote:What I think is very interesting is that the same banks gave you 2 CL for the exact same amount!
I would skip Nationwide and shoot the other you talked about (I forget already).... they HATE inq!
I would skip Penfed also (i didnt see them on your list so maybe youre not into Penfed
)
I actually applied for the PenFed promise card on 12/13/11 and was approved for $3,000. I called to get a higher limit but was shutdown stating I was approved for the max at this time. I asked about applying for another card and was told I would get denied because $3k is the max credit allotted to me at this time. Was told they want to see history with me and wait a year to apply for more credit.
Well 3K is not bad considering you got stacks of credit $$ on other cards!!
@Anonymous wrote:I actually applied for the PenFed promise card on 12/13/11 and was approved for $3,000. I called to get a higher limit but was shutdown stating I was approved for the max at this time. I asked about applying for another card and was told I would get denied because $3k is the max credit allotted to me at this time. Was told they want to see history with me and wait a year to apply for more credit.
Better you than me. I was denied flat out even with a recon. And $3k is not bad at all. Penfed is a very conservative lender.
@CS800 wrote:
@Anonymous wrote:I actually applied for the PenFed promise card on 12/13/11 and was approved for $3,000. I called to get a higher limit but was shutdown stating I was approved for the max at this time. I asked about applying for another card and was told I would get denied because $3k is the max credit allotted to me at this time. Was told they want to see history with me and wait a year to apply for more credit.
Better you than me. I was denied flat out even with a recon. And $3k is not bad at all. Penfed is a very conservative lender.
Yea I read a lot about PenFed and other creditors. Put together an app spree strategy. I actually applied for both PenFed and DCU membership the same day but completely forgot my EQ was frozen. PenFed still approved membership with only a soft INQ but put a hold restriction on deposits for the first 6 months. When I realized that my EQ was frozen I unfroze it and called PenFed to let them know. They pulled a hard acouple days later and then a few days later was approved for the promise card. DCU on the other hand told me I needed to send in an application signed before they would grant me membership. So DCU is on hold till my next app spree
@LS2982 wrote:
@Anonymous wrote:Disclaimer: For Entertainment Purposes Only
Went on App Spree 12/31/11...applied for Barclays Rewards Card...Approved $4,400...also applied for Walmart Card...Approved $1,000
Did another App Spree on 01/04/12 for the following credit cards:
Bank of America Signature Cash Rewards - Approved $5,000
Bank of America Amex Card - Approved $5,000
Chase Freedom - Approved $5,000
Amex Blue Sky - Approved $9,100 and backdating to 2004
Amex Gold Delta Sky Miles - Approved $9,100 and backdating to 2004
Citi Diamond Preferred - Approved $4,800
Citi Platinum - Approved $1,500 instantly but got it moved to $4,800 after speaking with executive customer service
Now come the pending and denials:
Chase Slate - Denied only due to already having a Slate card that was converted from a Chase card I have from years ago
Care Credit - Denied solely due to the INQ that appeared during my app spree on EQ (if I had known they were INQ sensitive I would have applied for them first)
FNBO - Pending (requested last 2 pay stubs and W2)
LFCU - Pending (requested last 2 pay stubs)
Thats an epic app approval spree!! Congrats!!!
That's what I was thinking.
Very well done fusion, now you better get to the garden
Super Congratulations!
@Anonymous wrote:
@LS2982 wrote:
@Anonymous wrote:Disclaimer: For Entertainment Purposes Only
Went on App Spree 12/31/11...applied for Barclays Rewards Card...Approved $4,400...also applied for Walmart Card...Approved $1,000
Did another App Spree on 01/04/12 for the following credit cards:
Bank of America Signature Cash Rewards - Approved $5,000
Bank of America Amex Card - Approved $5,000
Chase Freedom - Approved $5,000
Amex Blue Sky - Approved $9,100 and backdating to 2004
Amex Gold Delta Sky Miles - Approved $9,100 and backdating to 2004
Citi Diamond Preferred - Approved $4,800
Citi Platinum - Approved $1,500 instantly but got it moved to $4,800 after speaking with executive customer service
Now come the pending and denials:
Chase Slate - Denied only due to already having a Slate card that was converted from a Chase card I have from years ago
Care Credit - Denied solely due to the INQ that appeared during my app spree on EQ (if I had known they were INQ sensitive I would have applied for them first)
FNBO - Pending (requested last 2 pay stubs and W2)
LFCU - Pending (requested last 2 pay stubs)
Thats an epic app approval spree!! Congrats!!!
That's what I was thinking.
Very well done fusion, now you better get to the garden
Super Congratulations!
Fusion still has the app on the brain right now!! Go get them! (But come to garden soon)!!
@Anonymous wrote:Yea I read a lot about PenFed and other creditors. Put together an app spree strategy. I actually applied for both PenFed and DCU membership the same day but completely forgot my EQ was frozen. PenFed still approved membership with only a soft INQ but put a hold restriction on deposits for the first 6 months. When I realized that my EQ was frozen I unfroze it and called PenFed to let them know. They pulled a hard acouple days later and then a few days later was approved for the promise card. DCU on the other hand told me I needed to send in an application signed before they would grant me membership. So DCU is on hold till my next app spree
I think DCU pulls EQ too. But they are also a conservative lender and tough to deal with.
@Anonymous wrote:
@LS2982 wrote:
@Anonymous wrote:Disclaimer: For Entertainment Purposes Only
Went on App Spree 12/31/11...applied for Barclays Rewards Card...Approved $4,400...also applied for Walmart Card...Approved $1,000
Did another App Spree on 01/04/12 for the following credit cards:
Bank of America Signature Cash Rewards - Approved $5,000
Bank of America Amex Card - Approved $5,000
Chase Freedom - Approved $5,000
Amex Blue Sky - Approved $9,100 and backdating to 2004
Amex Gold Delta Sky Miles - Approved $9,100 and backdating to 2004
Citi Diamond Preferred - Approved $4,800
Citi Platinum - Approved $1,500 instantly but got it moved to $4,800 after speaking with executive customer service
Now come the pending and denials:
Chase Slate - Denied only due to already having a Slate card that was converted from a Chase card I have from years ago
Care Credit - Denied solely due to the INQ that appeared during my app spree on EQ (if I had known they were INQ sensitive I would have applied for them first)
FNBO - Pending (requested last 2 pay stubs and W2)
LFCU - Pending (requested last 2 pay stubs)
Thats an epic app approval spree!! Congrats!!!
That's what I was thinking.
Very well done fusion, now you better get to the garden
Super Congratulations!
Thanks! I am currently in garden mode however I was able to convince Chase to increase the limit on my Slate to match the Freedom limit
@Anonymous wrote:Thanks!
They did that without a HP?
When I got my Chase (i know they tend t ocompete wit hthe Discover More) I asked them if they could match it and they said it was going to be a HP. That was the same day i got approved for the Freedom. I refused to take another HP the same day.
@CS800 wrote:
@Anonymous wrote:Yea I read a lot about PenFed and other creditors. Put together an app spree strategy. I actually applied for both PenFed and DCU membership the same day but completely forgot my EQ was frozen. PenFed still approved membership with only a soft INQ but put a hold restriction on deposits for the first 6 months. When I realized that my EQ was frozen I unfroze it and called PenFed to let them know. They pulled a hard acouple days later and then a few days later was approved for the promise card. DCU on the other hand told me I needed to send in an application signed before they would grant me membership. So DCU is on hold till my next app spree
I think DCU pulls EQ too. But they are also a conservative lender and tough to deal with.
Yea they do and the main reason I want to join DCU is for the monthly EQ Fico score. The credit card would just be a bonus since they use the same pull for the first 60 days I believe.
@Anonymous wrote:Yea they do and the main reason I want to join DCU is for the monthly EQ Fico score. The credit card would just be a bonus since they use the same pull for the first 60 days I believe.
Cant beat the EQ FICO. SO they use hte same pull for 60 days? Did they tell you that?