@AverageJoesCredit wrote:Good luck, gotta admire your MF spirit asking for 25k off the bat
I figured since I was caught off guard and will most likely get denied, I would go for it 
I even made the lady laugh when I said "I don't want to sell myself short, so I am going to say $25K, I know the drill, I go high, you go low, and we meet in the middle" 
Question: Is there a way online @ Langley's site to check that status of your CC application?
If there is, I am not seeing it.
@Wavester64 wrote:A fellow mF'er mentioned (sorry I don't recall your name) that if you apply for Langley membership there was no HP for your credit.
Since I was technically gardening (I did have something going on with PenFed, but shh, still waiting on that) I wasn't interested in getting a CC at the moment, was going to wait.
Just now I get a call, thinking it was PenFed, so I answered and it was Langley. A very friendly woman basically said since there was a HP of my credit report (EQ) would I like to take advantage of the HP and try for one of their CCs. I was totally not prepared. I asked are you sure there was a HP, I don't recall any notice, she said yes there was. I quickly looked at their CC offerings and just said "Ok, how about the Signature Cash Back VISA" We went over the app over the phone, asked what I would like as a SL, I just went for it and said $25K. She did something on her end, and I believe she said the next step it would go thru UW and they would reach out to me in 24-hours. I said is this standard, is it usually instant approvals (never said instant denials lol) so said no, sometimes they are instant and sometimes they are not.
This is probably going to mess me up with PENFED now. I JUST last night decided to wing it and try for their card seeing my BK13 finally came off my EQ and my score is the highest its ever been (777) and I know Penfed pulls EQ and per EQ I only have 4 INQs so I went for it.
Watch my luck I will be denied on both PenFed and Langley now..
How many new accounts are you up to? I'm not being judgey, just to keep in mind that once you start getting up there for new accounts you'll go from instant acceptance to we will let you know and from good SLs to pretty crappy ones. Just keep track of the warning signs. 
@recoveringfrombk7 wrote:
@Wavester64 wrote:A fellow mF'er mentioned (sorry I don't recall your name) that if you apply for Langley membership there was no HP for your credit.
Since I was technically gardening (I did have something going on with PenFed, but shh, still waiting on that) I wasn't interested in getting a CC at the moment, was going to wait.
Just now I get a call, thinking it was PenFed, so I answered and it was Langley. A very friendly woman basically said since there was a HP of my credit report (EQ) would I like to take advantage of the HP and try for one of their CCs. I was totally not prepared. I asked are you sure there was a HP, I don't recall any notice, she said yes there was. I quickly looked at their CC offerings and just said "Ok, how about the Signature Cash Back VISA" We went over the app over the phone, asked what I would like as a SL, I just went for it and said $25K. She did something on her end, and I believe she said the next step it would go thru UW and they would reach out to me in 24-hours. I said is this standard, is it usually instant approvals (never said instant denials lol) so said no, sometimes they are instant and sometimes they are not.
This is probably going to mess me up with PENFED now. I JUST last night decided to wing it and try for their card seeing my BK13 finally came off my EQ and my score is the highest its ever been (777) and I know Penfed pulls EQ and per EQ I only have 4 INQs so I went for it.
Watch my luck I will be denied on both PenFed and Langley now..
How many new accounts are you up to? I'm not being judgey, just to keep in mind that once you start getting up there for new accounts you'll go from instant acceptance to we will let you know and from good SLs to pretty crappy ones. Just keep track of the warning signs.
You are 100% right.
PENFED just sent me a notification that I was DECLINED with an EQ score of 772. I am on hold with them right now to try for recon, but something tells me I have a better chance of seeing.....you know who, then get a RECON.
I knew I shouldn't have tried for this - but reading so many approvals with less than 700 scores, I decided to try. Now the next step Langley will decline me as well, and I was forced into that one unfortunately per my story above.
This is a DARK day... 
