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Early morning success!!!


MJPEREZ77
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The last post in this topic was posted 3539 days ago. 

 

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I know this is a baby step, but I wanted to let EVERYONE know that all their sharing of wisdom and knowledge does not go in vain, and as frustrating as it may get EXPLAINING and REPEATING things over and over again, as a NEWBIE (barely here over a year) I would like to thank ALL OF YOU!

 

Getting ready for upcoming App Spree, so contacted Cap1 EO Tuesday Morning for CLI's (after last PIF payment went thru). Had QS1 at $4k, Cap1 Sparks Classic $1700, QS1 $1200 and Barclay's MC Rewarsd $500. Have been rebuilding credit since Spring 2013, and thanks to CB have all 3 FAKOS in low 700's. Have been putting alot of spend thru cards and PIF every month. SO I requested CLI's of $20k, $20k, and $15k, explaining that based on current spend and paying off ea card multiple times every month, I'd like to be able to use card and not worry about getting near 100% Utilization. Well they came back in 48 hrs with QS1 $4k>$5k, Sparks $1700>$4k, and QS1 $1200>$3k. Not what I wanted but not bad, gives me a decent base and am gearing up to hopefully get a few 5 figure cards during spree. So, now I debate whether or not to call Barclay's BD back after being declined 3 weeks ago for a CLI. Negative has been removed on TU since then and 3 weeks have passed, I have had card 1 yr w/ NO CLI EVER, declined 2x, but i decide to call and got a CLI $500>$3k. Not bad for a Thursday morning. Again, Thanks to EVERYONE! One day I will be able to share what I know with others too and pay it forward!!

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Congrats!

 

What's on the list for the app spree?

Well I am a Baby in terms of credit, but I already wanna RUN with the Big Boys, lol, though I know that comes in time. Nonetheless, I am Pre-Qual'd for Freedom and Slate, but would REALLY like Ink w/70k Bonus and a Branded Card, British Airways? Not sure what anyone thinks on this. Also going after Discover as I got DW an IT Card w/$8k CL during her App Spree. Also going after Lowe's (both for CL and upcoming remodel) they approved DW for $400 and had her recon to $12k CLI. Other cards on list: Barclay's US Airways(x2) Personal and Business, I was thinking of Citi AA (x2) Personal and Business, though I am a little gun shy with these apps, I wanted to app Dillard's AMEX but read post they are switching to WF, so I am not sure there either. I had success with DW app'ing for Comenity Virgin America Signature (gave her a $11k CL) so I am thinking I will app for that and Total Rewards. As for CU's: DCU, NASA, and Tobyhanna. (Though I am trying to find a BD into PSECU currently, wish me luck :grin: !) With outstanding tax liens that won't be cleared up until late 2015, I am not sure PenFed would touch me :cry2: I want to app for cards that I have best chance of getting high limits with so ANY and ALL suggestions are highly appreciated and welcome.

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IMO you should add a CU card from a CU known for giving high limits to help with future approvals. If EQ is clean, app with PenFed. If you are eligible for NFCU, that's also a great option.

 

Freedom is a great card to get your foot in the door with Chase. If you don't have a strong profile, I wouldn't app for the business card.

 

You should also get an Amex to lock in a 2014 member date.

 

Edit: don't even open a membership with PenFed until the tax liens are gone and EQ is clean.

Edited by mendelssohn
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IMO you should add a CU card from a CU known for giving high limits to help with future approvals. If EQ is clean, app with PenFed. If you are eligible for NFCU, that's also a great option.

 

Freedom is a great card to get your foot in the door with Chase. If you don't have a strong profile, I wouldn't app for the business card.

 

You should also get an Amex to lock in a 2014 member date.

 

Edit: don't even open a membership with PenFed until the tax liens are gone and EQ is clean.

Thank You for the feedback. I was pretty much at the same conclusion about PenFed. I am waiting for an in to NFCU and as for AMEX, I was or maybe Blacklisted, I've read that if you app and get denied it means you ARE NOT blacklisted. I app'ed for DW during her spree and she was denied. We both had AMEX CO's in approx 1998, believe me I WANT US TO BOTH GET AN AMEX as we could possibly get *D to 1993. As for Chase guess I am gonna follow what seems to be logical and only app for what I am pre-qual'd for. Any other CU recommendations?

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