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Question for my fellow CBers re: Citi
MJPEREZ77 posted a topic in Credit ForumI have read strategies about app'ing for 2 Citi Cards. Does or has anyone have/had experience/success with Citi and multiple apps? Trying to see if it actually is feasible to accomplish this. As always, thanks!
Chase Invitation for Freedom CC
MJPEREZ77 posted a topic in Credit ForumHey fellow CBers: I hope everyone is enjoying themselves during this time of year. I have a question. On December 15th I FINALLY embarked on my app spree after putting it off for longer than I had wished. Well it paid off (more to come on that in another post! ) My question is, I checked my mail on Tuesday and had an Invitation to apply for the Freedom Card. Here is my dilemma/question: 1) During my spree I app'd for and was approved on the CSP $22K and Ink Plus $10K (though I feel that I could have received more had I answered other usage questions with higher numbers). So will this Freedom Invitation be null and void with those recent approvals? 2) If I can apply, do I apply NOW? Or wait til I B* TU and freeze EX? (I am worried if I do this the new accounts will be reporting by then (total 6) and as of right now only Barclay's is reporting with 6 INQ on TU, but I can't freeze EX via online, says I must mail in, so I will call Monday. Any and all recommendations are appreciated! Thanks to all again, I will be updating CPDB and posting my approvals in the next few days. I know they are baby steps, but I am very happy with results and have CB and all of the awesome members here to thank!!!
MJPEREZ77 posted a topic in Credit ForumSorry for the redundancy as I know I have seen this topic in a thread before, I just can't seem to find it no matter what I type in the search box. My question is has anyone had any success with 3 apps for Barlcay's on same day or within a few days of each other? I talked to the Recon Dept today a few times and asked quite a few questions regarding app'ing for the US Airways Personal and Business Cards together. I also inquired about app'ing for the Arrival+ as DW only has Arrival. I mentioned I would be willing to close out my curent account (Rewards MC) so I could get the Arrival+ if needed. The 2nd Analyst just recommended that I app for the card(s) I want and call into Recon if needed. Any suggestions on a strategy?
MJPEREZ77 posted a topic in Credit ForumHi Everyone: After reading a lot about Synchrony, as well as other CC's and multiple apps, in various post on CB, I am hoping to get opinions and feedback to a question(s). Do you think Synchrony just chooses to be liberal with Lowe's? I know that there is one # for Recon on ALL Synchrony CC's. And I also know from reading (and personal experience), it seems as though if you app for more than one Synchrony card and call to recon on all of them, Lowe's end up getting the largest CLI. I wonder if this is because most of us see the success others have had and call on that card 1st? Or is it that the Credit Analyst have an extremely liberal underwriting program for Lowe's versus the other cards? Just wondering because as we all know, it is best to plan for a successful app spree than just to app blindly, so to speak Thanks in advance for all your help! Hope everyone has a GREAT WEEK!!!
AU advice needed for upcoming App Spree
MJPEREZ77 posted a topic in Credit ForumHey CBers! Back 2x in same day for more advice. Since I have just completed the App Spree for DW. I am going to continue with mine after I complete B*. My question is, I just helped her get a couple of 5 digit approvals, but I am worried if I ad myself as an AU they will affect the potential of me getting approved for certain cards during my App Spree since they will be recently opened and also bring down my AAOA. Any advice? I kinda want to ad them since "Higher Limits beget Higher Limits!" Thanks, BD
Alliant CU and DCU status, advice needed PLEASE!
MJPEREZ77 posted a topic in Credit ForumHey CBers! I am in need of advice. Just completed an App Spree for DW. (I am still waiting on a few things, then I will post the whole shabang!) Nonetheless, at the end of the App Spree I decided to do a few last apps for some CU's (lesson learned, All Newbies, PLEASE READ CB BEFORE ATTEMPTING ON YOUR OWN!!). Alliant pulled a soft and DCU pulled a hard. The dilemmas are that 1) DCU approved her as a "Limited Member" due to balances on open accounts and current accounts less than 2 yrs old and are saying that they must pull another hard for any other apps (i.e. CC and LOC). So should I allow them to pull a hard, the new CR will show the app spree (inquiries and new accounts) and I am worried this could adversely affect her membership. OR is there anyone I can talk to that may be able to change the decision to do another hard pull? 2) Alliant says they would need to pull a hard since they only pulled a soft to join. Hence I am worried about the app spree showing up with all the new accounts and inquiries, is it worth a try? Any and all advice is appreciated. Thanks, BD