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What was your most surprising CC approval?

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RonM21
Valued Contributor

Re: What's your most unexpected approval?

This is interesting because I think each time I did an app for a card, I thought I was in decent position to get it. I guess for me, I would have go by what moved me the most, and that was my Amex approval of 10K. At the time for me, it signaled my progression from being in a bad place from a credit standpoint.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 31 of 48
Anonymous
Not applicable

Re: What's your most unexpected approval?

NFCU Platinum. I was pretty shocked when I got it since they had just given me a 2.5x CLI on my first card a few days prior. I definitely didn’t expect them to give me $7200 @ 7.99%! 

Message 32 of 48
CreditInspired
Community Leader
Super Contributor

Re: What's your most unexpected approval?


@RonM21 wrote:
This is interesting because I think each time I did an app for a card, I thought I was in decent position to get it. I guess for me, I would have go by what moved me the most, and that was my Amex approval of 10K. At the time for me, it signaled my progression from being in a bad place from a credit standpoint.

+1. I totally agree with @ronm21 because everytime I apply for a card, it’s with an expectation of being approved because my credit profile is in great shape. 

 

Now, my shock occurred in 2016 when NFCU approved me for a cashRewards $15K SL. At the time, I only had the NFCU Platinum $4K CL with a 660 score. I was floored. 


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 33 of 48
5KRunner
Frequent Contributor

Re: What's your most unexpected approval?

My most unexpected approval occurred last Friday, when I visited my local Citizens branch to check on an offer I received for their Cash Back Plus card. It was prequalified, so I assumed it was just one of those mass-mailed solicitations they send to nearly everyone. The banker checked a few things on his side, and verified that it was indeed preapproved for a $7400 SL and their middle-tier APR. They pulled EQ, which is the report with the fewest INQs by a wide margin.

 

Stats at the time of approval:

11 new revolving accounts since last August

Total CL $124,875

Utilization 18.03%

AAoA 6.33

AoOA 21.41 years

FICO 8: EQ 734, TU 754, EX 755

 

Message 34 of 48
GApeachy
Super Contributor

Re: What's your most unexpected approval?


@CreditInspired wrote:

@RonM21 wrote:
This is interesting because I think each time I did an app for a card, I thought I was in decent position to get it. I guess for me, I would have go by what moved me the most, and that was my Amex approval of 10K. At the time for me, it signaled my progression from being in a bad place from a credit standpoint.

+1. I totally agree with @ronm21 because everytime I apply for a card, it’s with an expectation of being approved because my credit profile is in great shape. 

 

Now, my shock occurred in 2016 when NFCU approved me for a cashRewards $15K SL. At the time, I only had the NFCU Platinum $4K CL with a 660 score. I was floored. 


Wow!  

My Take Home Pay Don't Take Me Home
Message 35 of 48
galahad15
Valued Contributor

Re: What's your most unexpected approval?

2017 approval for my BEFCU VISA was most unexpected approval, since despite the geo restrictions of needing to be a Cali resident or work in CA, etc., I applied for the card using the online app and suprisingly, wasn't kicked out of the app form due to the geo restrictions.  Was very pleasantly surprised a few days later when I got a call from the CU iirc, mentioning that I had been approved for $4k!  Smiley Happy


Message 36 of 48
Anonymous
Not applicable

Re: What's your most unexpected approval?

Mine was probably my USAA Cashback Plus card. I have never been denied a CC, but I usually get low limits on them. I app'd to save a little bit of money off my auto insurance premium and I was astounded that I was approved for 10k. My highest before that was my WF card at 4.8k, and I had that card for 9 years before I PC'd to the Propel. 

Message 37 of 48
calyx
Super Contributor

Re: What was your most surprising CC approval?

My most surprising was the CSP, but not because it was approved, but the limit.
I thought I'd get the $5k SL.  I got $17k and about fell out of the chair when I saw that.
My highest card up until then was $1,600

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 38 of 48
Anonymous
Not applicable

Re: What was your most surprising CC approval?

Haha, yesterday!  I was approved for the Discover It Cash Back card with an $8000 limit.  I'm currently in the early stages of working on my credit, with all scores falling around 667.

Message 39 of 48
Anonymous
Not applicable

Re: What was your most surprising CC approval?

Most surprising for me thusfar would be my Cash+. Considering how they're spoke of being very conservative and I had no previous relationship. They gave me a 1k SL and lowest apr (on the card, and of all the cards in my wallet) + 0% on purchases and BTs for 12 mo.
Message 40 of 48
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