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Post your 2013 Approvals Here!!!


hegemony
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Unfroze EQ and TU for one app day last week, EX still frozen. Scores are from creditor and I assume not FICO.

  • BofA travel rewards visa 20k, EQ score 753. First BofA card. Asked to see TU also because of short history. In 2008 BofA cancelled an 800 secured card.
  • USAA world MC, 15k not full member. First USAA card.
  • Barclay +3k on Ameriprise MC. Score 758. 2 cards with Barclay and rep said they won't go over 25k total for now.
  • Sharonview FCU, +3k on visa. 20 total on 2 cards. My most conservative and oldest account.
  • PenFed declined CLI, EQ score 733. Currently at 20k.

No bads on EQ or TU, no inquiries, under 10% util, 2 year AA, 2 other 20k cards. Walmart April FICO was 730.

 

Steve

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Experian Score: 739

MyFICO.com score: 729

 

Amex Gold - Approved; 25,000 bonus points (worth ~$250)

Amex Platinum - Aprroved; 25,000 bonus points (worth ~$250) Annual Fee Waived

Amex Hilton Honors - Denied @ first. Approved for 4k CLI after I faxed in my most current FICO and Experian scores (they hard pulled do verify the EX score)

Chase Slate - Denied + 2 hard pulls :sorry: Reason: Carrying too high of a balance on some cards; Had to voodoo magic and balance transfer around to get things evened out; Haven't heard from them in a month

 

Bill Me Later - Denied Automatically; Reason: Unknown; 1 hard pull

 

Misc. Loans - Navy Fed Used Car Loan: Approved; Secured Loan: Approved

Edited by slayerbizkit
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Wow, I have had a very, very successful new years:

  • Cap1 20k CLI
  • Penfed 4k Auto CLI to ~24k
  • Citi Forward 6K CLI to 20k
  • USBank Cash+ 15.5k
  • Chase Sapphire Preferred - 10k approval, recon CLI to 15k
  • Priceline Visa Sig 9.9k approval - Recon CLI to 20k

Total of 3 AMAZING cards (my entire wish list) and $80.5k in new credit. What a great board this is; I would have never been able to do it without all of the tips I have picked up here.

I know this is an old post but congratulations to you...I'm just watching and learning. Any tips for a guy with a 690 and some CA's? I haven't applied anywhere in about 5 years. Went from a 760 to a 560 and now back here and looking for help. My most recent inquiries were from a year ago when I opened 2 secure accounts.

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All of the below were instant approvals on Friday afternoon.

 

BofA MLB Rewards - 10K

Amex BCP - 9K

Chase Freedom - 6K

 

Stats - EX 737 (FAKO), TU 756, EQ 752, AAOA 6.5yrs, Util 7%

 

What do your other card limits look like?

I have a DCU Platinum Visa at 10K, Walmart Store Card at 10K, Amazon Storecard at 7K, Gap Store Card at 5k, Cap One Plat reqrds at $1500, Victorias Secret Store at $750 (damn Commenity)

Which store cards does commenity back? and would I be good to go if I have CA's?

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Walmart Discover - $1800 I'll call the credit solutions number tomorrow morning :grin:

Yesterday was a pretty decent day... I should've asked for more, but was approved for Walmart Discover and Amazon @ $10k each.

 

Having a pretty good year, so far. Received one decent CLI and one massive CLI yesterday.

 

Home Depot CLI $7,150 ==> $10,000

Barclays Apple Visa CLI $3,700 ==> $20,000

 

Another CLI with Home Depot $10,000 ==> $15,000

 

Chase Sapphire Preferred $5,000 ==> $15,000

Congrats on your limits! I need to look at that Barclays! Do you max your cards and get them down in order to get these limits?

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CLI on my Priceline Visa up $3000 to $15000 total.

CLI on my Discover IT up $5000 to $15000 total.

 

That gives me $78000 in total credit lines on 4 cards.

 

1 each Hard Inquiry on TU, interesting note I saw a Barclay soft inquiry on EQ. I guess its true that they like to check up on new customers.

 

I'm thinking of crawling back into bed with B of A to see if I can score a $22000 line. I want to join the $100,000 club. lol

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2nd App-o-Rama of the year.


EQ 772 , TU 760 EX ??? Util 1% AAOA 3yrs



Chase Ink Bold World Elite Mastercard $15K

AmEX SPG Business $5k

USBank Club Carlson Business $4k


American Airlines Federal CU Rewards Visa $15K

USBank Club Carlson Premier Visa Signature $9k

Mercedes Benz AmEX $6.4k

PenFED Visa Rewards $4k

Chase MileagePlus Explorer $4k

Discover IT $4k

BOA Virgin Atlantic AmEX $1k


AmEX BCP $5k => $15K CLI

Barclays Priceline $1.8K => $5k CLI

Crap One (former Orchard secured) $350 => $5k CLI

Edited by winner
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  • 2 weeks later...

While I'm still sitting back on new cards, a few of my cards hit 6+ months, so I figured I'd bump them up too

 

As far as I can tell none of these did hards (instant approvals) which is nice, but I'm waiting on another PenFed request that will be a hard with a likely Egyptian

 

Forward = 10,000 to 11,500

BCE = 6,000 to 15,000 (should have asked for the full 18 apparently :P)

Walmart = 5,000 to 6,000

Priceline = 5,000 to 6,250

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An update (sorry, been more than 24 hours so I cannot edit):

 

Wasn't an Egyptian at all finally!

 

Penfed = 2000 to 12,500

 

 

Caught 1 EX and 1 TU inq (starting B* there anyway) for 23,250 in CLIs, so can't complain

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I no longer pull my credit score (just seems to be a waste of $) .. but I am 1 year since a Ch 7 BK fell off of my credit report - it was low 700s last time I did check though

No baddies whatsoever since my BK filing a long time ago.

It's been a great year for me in terms of credit.. I've now got several cards with $10k limits. Never thought I'd see that.

 

Discover More 7500 > $10,000 :grin:

Lowes (GERC) 6400 > $10,000 :grin:

FNB of Omaha Amex $7000

Norwegian Cruise Lines MC (BOA) $10,000 :yahoo: this after multiple denials by BOA despite having a mortgage in good standing (4 years) and checking/savings through them.

US BANK Platinum Visa $8000

Discover It $3000

TJX Rewards MC (GERC) upgrade from $650 CL Store card to their MC product.... & a $3500 limit

JC Penney (GERC) .. stuck at $1500 since 2007 - increased finally to $4300 :grin:

Sam's Club (GERC) 6700 > $8500

 

New GERC - Macy's $500, Belk $500

.

Edited by Cactus Flower
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When I applied for my mortgage on 01/28 my scores were: Equifax - 693, Transunion - 763, and Experian - 775. After we closed on our house on 02/28 I applied only with lenders who pulled Experian or Transunion.

 

 

2/28 - Mortgage - 322K@3.5% Conventional 15% down

3/05 - RFBCU - New car loan @ 1.9%, approved for 40K, used 25K

3/05 - AMEX BCP - $4500 credit limit

3/28 - JCP - approved for $1900, increased to $3500 immediately to cover blinds purchased

03 - Automatic increase on Wamart store card $3500 to $4900

03 - Capital One auto increase 2K to 3K (1st increase on the card)

5/06 - AMEX BCP 61 day increase $4500 to $13500

05/22 - Chase Freedom 7K

05/24 - RBFCU Platinum Preferred Rate MC - $14500

 

 

I'm still debating about applying for the Discover IT before my mortgage starts reporting. I receive at least 2 preapproval invitations a week but I may be pushing my luck.

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GECRB VISA CHEVRON 15000

GECRB WALMART 15000

GECRB paypal patinum 15000

Amex delta platinum 5000

WESTERN FCU 25000

Nfcu flagship cli from 5 to 15 k

Amazon revolving biz 12000

Sams BIZ discover 16000

Mobil BIZ 5000

Home Depot BIZ 6000

FIDELITY VISA 10000

BOA BIZ MC 20000

AA citi visa cli from 10 to 20 k

Simplicity cli from 5 to 15 k

Cabelas cli from 4.5 to 15

Discover cli from 10 to 15.5

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I posted in a previous topic, but I'll add it this one too.

 

Eq 645

TU 645

Both from myFICO.com

 

Capitol One $500

 

Edit: Should I apply for more cards? Seems a lot of people around here do more than one at a time. I applied on a whim, never thought I'd get approved.

Edited by raduque
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Scores 720-760

13% util

no baddies

8-12 inqs prior to first application. Got Penfed approved after 3 additional inquiries, they're usually inquiry nazis.

 

Penfed Signature Visa 42000

Penfed Rewards Amex 8000

USAA Visa 15000

USAA Amex CLI 3000 to 6000

USAA MC CLI 2000 to 3000

UCCU Visa CLI 5000 to 10000

Citi Simplicity 10000

Marriotts Signature Premier 14500

Discover IT1650

Sams Club Discover 2000

Sams Club store CLI 1200 to 5200

Walmart store CLI 2800 to 3500

Cap One CLI 1250 to 2500 (exec #)

Amex Blue cash preferred denied

BOA Rewards 30 day notice

Edited by spoon611
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Can't edit my last post.

 

USAA Cash Rewards American Express $1500

 

I've been a member with USAA for almost 15 years. I did have a charged-off balance with them in 2009 but I paid it and re-opened my account before it went to a CA or on my reports.

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Scores 720-760

13% util

no baddies

8-12 inqs prior to first application. Got Penfed approved after 3 additional inquiries, they're usually inquiry nazis.

 

Penfed Signature Visa 42000

Penfed Rewards Amex 8000

USAA Visa 15000

USAA Amex CLI 3000 to 6000

USAA MC CLI 2000 to 3000

UCCU Visa CLI 5000 to 10000

Citi Simplicity 10000

Marriotts Signature Premier 14500

Discover IT1650

Sams Club Discover 2000

Sams Club store CLI 1200 to 5200

Walmart store CLI 2800 to 3500

Cap One CLI 1250 to 2500 (exec #)

Amex Blue cash preferred denied

BOA Rewards 30 day notice

BOA rewards approved after answering some questions $5,000
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