So, after a year of waiting on my new house to be built, I went on an application spree. Got my mortgage thru US Bank. Closed 4/5 Started applying 4/6 haha. Started with good ole' synchrony bank who has closed all of my accounts with them TWICE in the past which totally dropped my score. Anyway, I was eager to apply before the new mortgage hits my credit. Applied for the Verizon Visa instant approval for $9,500. New home, of course you need a Lowes card, right? Applied there too. Instant approval for $8,000 each time I apply this is usually the amount they give me to start with. Next up, Citi Wayfair (which I regret) after applying it prompted me to call in, I did and was approved for the Mastercard version with a $4,500 limit, I was kind of disappointed, but I will take it. So, I then went to US Bank they originated the mortgage so I was apprehensive as they would be aware I had the mortgage. I've applied with them many times in the past always denied because of too many inquiries. I applied for the US Bank cash plus, went pending per usual for me with US Bank so I was eager for an answer so I called in the next day to check the status; she says it looks like it was denied because you have a lot of inquiries, she then asks if I've been refinancing or anything and I said yes, she says well let me send this to UW for a manual review. I'm expecting the same outcome, however I get an email that it was approved $15,000 this literally made my day! So next was, PSECU I've applied twice before in the past usually a denial, went pending and they wanted a photo of my ID sent that it and they called and said I was approved for the Founders card with a limit of $12,000. Stoked still at this point, they didn't ask for POI or anything. I live in Alabama and we have a bank here called First Horizon I applied went pending also, she called the next day and said she needed a copy of my ID and that I was approved for $39,000 but POI would be needed, but if I didn't want to send I could have $25,000 I decided to take that and run! Next, Alliant I've applied there like twice before for a card and usually declined, however this time instant approval for $15,000. Crazy of me, but since US Bank had been so great with the mortgage and I've heard once you're in they are good to you so like a week after the cash plus approval I'm like why not. So, I applied for the Altitude GO Visa, went pending I waited a few days and called same thing denied due to inquiries he asked the same question about refinancing I said yes, he said I'll send it back for manual review, got an email a few days later, approved with a $2,000 limit, super surprised! I've been furniture shopping and I knew I'd need new furniture, applied for the Synchrony Furniture Row card, they give an option to request a limit amount, I didn't want high utilization so I asked for $20,000 they countered at $15,000. I'll take it! Ok, that's it I am done now! Just wanted to share my experience with everyone!
There were some denials:
SDFCU- membership denied after sending in my ID and Utility bill. Ok whatever.
Langley- I currently have their cashback card with a $16,000 limit. I applied for another card it was denied.
Unify- Said the credit was great, but too much unsecured credit. Card declined
BCU- membership approved, card declined. They also said the credit was great, but they were worried about my exposure.
Inquiry wise (don't judge me haha): I worked with many banks to make this mortgage happen.
Equifax 65 (last 24 months)
Transunion 49 (last 24 months)
Average age of accounts 4years, 1 month.
Oldest account 10 years, 7 months.
Credit utilization 2%
Payment history 100%
No derogatories
Income just slightly over 100K.
Any questions feel free to ask!
AMEX Blue Cash Everyday: 4,000 l AMEX Cash Magnet: 2,700 l AMEX Everyday: 1,000 l AMEX Green: NPSL l AMEX Gold: NPSL | Apple Card: 2,500 l Bank of America BankAmericard 3,100 l BECU Cashback:18,500 l Capital One Quicksilver: 1,000 | Capital One Quicksilver(2): 1,000 | Capital One Walmart: 10,000 l Chase Freedom: 2,000 l Chase Sapphire Preferred: 4,000 l Chase Slate: 1,000 l Citi BestBuy: 15,000 l Citi Rewards Plus: 5,570 l Discover it: 16,900 l Discover Gas & Restaurant: 6,000 l DCU Platinum: 700 l FNBO Evergreen: 15,000 l FordPass Rewards: 11,300 l Navy Federal Cash Rewards: 31,500 l Navy Federal More Rewards: 21,500 l Navy Federal Platinum: 27,000 l Overstock: 2,250 l PayPal Credit: 3,100 l PenFed Platinum Rewards: 15,000 l PNC Cash Rewards Visa: 3,900 l PNC Points Visa: 2,800 l PNC Points Visa (2): 1,100 l Renasant Bank: 18,000 l Sams Club Mastercard: 5,000 l Target: 2,200 l USAA Cashback Rewards Plus: 5,000 l USAA Preferred Cash Rewards: 13,000 l USAA Rewards AMEX: 2,000 l Wells Fargo Platinum: 1,000 l Wells Fargo Propel: 7,300
