Holy Crap...Carnival Sea Miles MasterCard!!!

[gooddayz]

Don't know if this is good or bad. Applied over phone for Juniper sea miles card. Was not given instant approval or decline, was told to call back in 2-4 business days for application status. Has anyone elso gotten this, and if so, what was decision. Thanking you all in advance

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Update- Got an email today...2.2 cl. Logged on to juniper seamiles website. requested 0% bt of 2k is in progress. TU FICO 640. Paid 5 yo tax lein. HIGH util (bout 90%)

Am especially happy with this one as we are planning a cruise within next 9-10 months

[shorty]

I was approved today for 1500. I may do a bt and close the one I have with the 300 cl.

[lupoman]

I was approved today for 1500. I may do a bt and close the one I have with the 300 cl.

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sockdrawer it if its old

[jenyphur]

Ok, here's my long awaited update. I got the 10 day message forever. Yesterday, I finally received an email so I check and was denied due to too many credit applications.

 

I called this morning and asked for reconsideration because most of those inquiries are from trying to refinance my high interest rate auto loan (which I did from 19% to 6.5%).

 

She went over my application and mentioned that I had a few baddies and we chatted about and I told her that one was paid (it is) and the other is under dispute.

 

She said she could approve me for $1k but I can ask for an increase every 90 days.

 

I said...I'll take it. Yippee.

 

So...recon does work.

 

My b/f and I are going on a cruise in October (Carnival) and this will come in handy.

 

Maybe by then I can get the CLI a bit. YEAH.

[BrwnEyedGirl]

Make sure and check how many times they pulled your credit report. They pulled mine 3 times in a week. And I wasn't even approved.

[jenyphur]

YOu know...funny you mention that. I think they pulled mine again this morning because last week when they initially pulled it, one of my collections wasn't on there. It just showed up a few days ago. I was surprised when she mentioned it.

 

Hopefully I can get them off...it's TU.

 

So all in all..it hasn't been a bad week for me.

 

I got another Crap One account $300 but this one WILL do CLIs. I got $1k from Juniper and most importantly....I got $5k Visa from my credit union! Whooohoo.

Edited June 17, 2005 by jenyphur

[Koda33]

I was declined for too many accounts with balances and utilization. Am debating asking for reconsideration, but not sure I want to jump through their hoops (TU is at about 620 right now).

[lupoman]

CONGO_RATS JENYPHUR!

 

cow bells rule!

[jenyphur]

Hey, I got the cowbells too? Cool!

[awm050501]

OK, had been following this Juniper Carnival card convo since a few days ago, on another string, decided what the hell. I didn't apply for the Carnival (cruises not my thing) but the Midwest Express MC. I got the 'account is being reviewed' message. I had been checking back since I applied, last time was yesterday before 5pm (I applied Monday or Tuesday). Just checked my email, and last night, was sent an email stating I was approved. CL $7500 APR 14.99. I have myfico, so not sure of what my current score is or who they pulled, but my highest score as of 5/17 was 647 EX, 624 EQ, TU 607. I am pretty sure my score has changed some, due to receiving confirmations or items deleted & changed on my reports. My cards were probably all zero at the time they check, just started using one recently. Myfico is due to update 6/21, so I will check it at that time & report my finding back here, hopefully it will help someone. BTW, live in WI. Good luck all!

[jenyphur]

Holy cow...! That's great. You must have some other cards that have high limits?

 

Nice job.

[Alias319]

Oh well, no negatives, utilization at 17%, and three accounts with balances....BIG FAT NO!!! Not even a toy card

[jenyphur]

That doesn't make any sense. What was their reason? The web site should tell you. Call them up for a reconsideration. What is your TU score?

[Alias319]

I called, they wouldn't reconsider. Too many accounts in the last two years. I explained out of the 12 accounts in the last two years only 3 have balances. One is American Express (green) so it's going to look maxed out because it's a charge card.

 

I haven't pulled my fico score in a while but it's usually low to mid 700's. My utilization doesn't change much. I've gotten a few CLI's so it could be high 700's.

[yurarse]

I am going to wait aweek then call the for a Recon!

[prisskitajoe]

I was denied. Called and spoke to rep who said I have opened too many new accounts in the last 12 months. I was shocked to hear her say "19 new accounts"! I did open a lot of accounts, but I guess I really didn't realize how many!

[Alias319]

I was denied.  Called and spoke to rep who said I have opened too many new accounts in the last 12 months.  I was shocked to hear her say "19 new accounts"!  I did open a lot of accounts, but I guess I really didn't realize how many!

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Atleast you were told new accounts in the last 12mos. I got the last two years!! With the exception of one account that is 4mos old, my other accounts have hit the 24, 12 & 9mos mark.

 

Oh well

[awm050501]

Jenyphur-

This is actually my highest CL on a card. Have Cap1 MC 350 (no balance), Cap1 Visa 1000 (just started using this past weekend), auth user on BofA 500 (no balance), auth user on Target 500 (460 balance), Macy's (limit unknown no balance), Bloomingdale's (limit unknown 138 balance), and a HELOC of 10871 (8000 balance). Wrestling with an old Discover CO on CR that will not die (DOLA 11/01), and per Exp investigation results as of 6/10 2 baddies deleted, and 12 accounts updated, but from what they emailed me, it's hard to understand, so myfico updates on the 21st, will see exactly what the change was.

[KAZPUR]

For all those who are considering applying for this card I would call to applying for this card. I really dont know that it matter but it has to considering they gave me $10,000 . Just a few months ago I could only imagine what it would be like to have a card with such a high limit.

Man, I really dont know what I am going to do with such a high limit card. I was using Chase ($800) and BofA ($500-partially secured) basically to build my credit file.

To the vets: What do you suggest I do with Chase and BofA, sockdrawer, BT, ask for CLI, or just continue to use as before?

 

TIA

Goodluck to all those applying!

[BrwnEyedGirl]

Oh well,  no negatives, utilization at 17%, and three accounts with balances....BIG FAT NO!!! Not even a toy card 

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Don't feel bad. I was denied too.

 

Juniper should have YMMV next to their name.

Edited June 17, 2005 by SDMuse

[nynewbie]

Hey,

 

I got approved instantly for 1,000K limit

 

This is good for me since my only other open account is a $500 Orchard Card.

 

Now I can at least rent a car this summer !

 

Anyway, I was scared to do it, but I'm not in the market for a house or anything so I decided to try my luck.

 

Glad I did

 

- NyNewbie

 

BTW- TU FAKO is 640. I have a few baddies, but they are all over 5 years old. High util. because of student loans, which are all in good standing and a few recently paid off.

[MBAmaterial]

anybody with BKs apply?

[yurarse]

I did on TU and the guy didnt look at it. He just said to get rid off the 2 CO and call back for recon

[shorty]

anybody with BKs apply?

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Yes. Approved 1500.00. Not instant.

[davidlg16]

Status: Approved

CL: $9,000

Pull TU in California

TU FICO 734 (Myfico.com)

No derog, only 1 tradeline with 2 yr and 7 mo history on it.

Util: 34%

 

edit: after I got instantly approved, I can login to my online account, but can I USE this card right away somehow or do I have to wait for it in the mail, then activate, then use...?

Edited June 18, 2005 by davidlg16