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What was your most surprising CC approval?

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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 Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 31 of 48
Super Contributor

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%! 



01/2019:
12/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 32 of 48
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. 

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 804
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $25K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 33 of 48
Regular 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
Valued 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 WON'T TAKE ME HOME"
Personal Credit:
Savor $5.5k/ GoodSamsVS $9k/ BB&T Spectrum VS $10.5k/ BB&T Bright VS $10.5k/
CareCredit $15k/ Synovus loc $75k /CB loc $20k/ + AU accts via DH
Biz Credit:
Amex Lowe's Rewards $21k/ Amazon Net55 $7.9k/
StaplesMore $1k/ Amex Amazon Biz $10k/ +AU accts via DH plus local vendors

(Oldest Acct: 1998; Youngest Acct: Nov 2019)
Message 35 of 48
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
Regular Contributor

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
Senior 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


EQ: 798 | EX: 774 | TU: 771 | Accounts: 1/6 4/12 8/24
Message 38 of 48
Member

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.






Goal: Pay down balances, increase score & purchase a home by March 2020
Message 39 of 48
Frequent Contributor

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.
$1,000 is a lot to owe, yet little to have.
Credit Cards

Debit Cards




Message 40 of 48
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