The Master 2015 Credit Approvals Thread

[popamode72]

 

 

Nice little grab there.

Thank you! This website has been extremely valuable in all the things I've learned here over the past several months. I wouldn't have even known about the 80k point link had I not been reading this place in the first place.

 

I'm more envious of the 50k MR points.

 

But I am eyeing the Surpass as well, with the 80k offer .

 

 

The offer just came up randomly too. I was using Google Chrome and was just going on Amex's website a bit looking at their charge cards, thinking to myself that it would be great if any of the charge cards had any good offers as I thought there was nothing at the time so I could take advantage of the 1 revolver 1 charge card on one HP rule, and out of nowhere, the page came up with the offer and stated that if I closed the page and return later that the offer wouldn't be available. The approval page also said the same thing on the left and allowed me to print out my card number before the card even gets here.

Edited January 14, 2015 by popamode72

[mizliz1011]

 

Ok have my visa plat. at 50k with navy but my mastercard is at 10k

So I hit the love button and bam 25k so visa at 50k and now mastercard 25k

I also apped for the flagship visa its pending so will see where that gets me.

apr on both cards are 7.99%.

 

And state dept cu went from 5k to 35k today 6.99%

I have a few 50k cards iam sure that's helping me get these big limits.

After this I will be all set for a while.

penfed visa is at 50K and loc is also at 25k.

 

MGB, great work!!

 

wow! my CC portfolio on crack!

 

AmEx BCP, TU pull, $5200

 

 

How did you get Amex to pull TU?

The other night Amex was tripping.

 

They had issues pulling EX and they pulled TU.

 

The CB effect, was in well let's just say full effect!

 

http://creditboards.com/forums/index.php?showtopic=538436&hl=%2Bamex+%2Btripping

 

Does this mean I am NOT the pink unicorn?

[mizliz1011]

(Taps the mic)

 

Hello, is this where we post our credit approvals?

 

I just got approved for an unsecured Capital One Platinum with a $500 credit limit and it was sheer dumb luck.

 

I've been reading these boards for 2 months in preparation for starting Why Chats medical collections process, but I haven't actually started cleaning anything yet. My reports are downright filthy. 5 judgments, 6 medical collections, 5 plus regular collections, 6 charge offs, and a host of late pays. My mortgage was 30 or more days late for the entire 2013 and half of 2014.

 

The only positive I have going for me is the length of credit history (even though it's mostly bad) and a secured credit card I got from my local credit union 2.5 years ago. Even though my life was going to hell in a hand basket at the time I held onto that card bc I knew it was the only way I'd be able to rent a car when I needed to. When I opened the account in person, the lady at the credit union warned me that if I even had one late payment they'd close it. So that had a perfect payment history and my mortgage had 6 months of on time payments.

 

Cap1 sent a pre-approved offer and I figured since I was opting out it might be the last one I'd see in a while. Also I figured the inquiry couldn't hurt with my scores so low. So I went for it and almost fell off my chair when I saw the approval.

 

I'm so excited to have another trade line to age on my report while I spend the next couple of year digging out of my mess.

 

My experience fico was 583 and my TU fako was 544. I don't have any idea what equifax was.

I am less than 4 months away from my first unsecured card. I remember the excitement- as it had been 7 plus years since having credit..

 

I am thrilled for you and I also owe it to SDFCU secured card.. even capone and DCU would not take me. I was so ashamed.

 

I know that you have learned some hard lesons and I am so happy that things are going better for you.

 

Pull your REAL Fico scores so that you have a basepoint.

 

It is ALL UP FROM HERE. PIF each month before statement cuts.

 

CONGRATULATIONS

Edited January 14, 2015 by mizliz1011

[IndyPoolPlayer]

(Taps the mic)

 

Hello, is this where we post our credit approvals?

 

I just got approved for an unsecured Capital One Platinum with a $500 credit limit and it was sheer dumb luck.

 

I've been reading these boards for 2 months in preparation for starting Why Chats medical collections process, but I haven't actually started cleaning anything yet. My reports are downright filthy. 5 judgments, 6 medical collections, 5 plus regular collections, 6 charge offs, and a host of late pays. My mortgage was 30 or more days late for the entire 2013 and half of 2014.

 

The only positive I have going for me is the length of credit history (even though it's mostly bad) and a secured credit card I got from my local credit union 2.5 years ago. Even though my life was going to hell in a hand basket at the time I held onto that card bc I knew it was the only way I'd be able to rent a car when I needed to. When I opened the account in person, the lady at the credit union warned me that if I even had one late payment they'd close it. So that had a perfect payment history and my mortgage had 6 months of on time payments.

 

Cap1 sent a pre-approved offer and I figured since I was opting out it might be the last one I'd see in a while. Also I figured the inquiry couldn't hurt with my scores so low. So I went for it and almost fell off my chair when I saw the approval.

 

I'm so excited to have another trade line to age on my report while I spend the next couple of year digging out of my mess.

 

My experience fico was 583 and my TU fako was 544. I don't have any idea what equifax was.

Is there an annual fee with this card?

 

Congrats on not falling into the Credit One/First Premier trap. Wise move to opt out, save yourself from receiving those predatory credit offers to people in your situation.

[jason86423]

Two credit line increases today from Commenity. It was 5 months from the last CLI and both had very little usage.

 

Mypoints Visa- $6,000 to $8,000

 

Sportsmans Guide Visa- $11,500 - $13,500

[Bannister]

 

(Taps the mic)

 

Hello, is this where we post our credit approvals?

 

I just got approved for an unsecured Capital One Platinum with a $500 credit limit and it was sheer dumb luck.

 

I've been reading these boards for 2 months in preparation for starting Why Chats medical collections process, but I haven't actually started cleaning anything yet. My reports are downright filthy. 5 judgments, 6 medical collections, 5 plus regular collections, 6 charge offs, and a host of late pays. My mortgage was 30 or more days late for the entire 2013 and half of 2014.

 

The only positive I have going for me is the length of credit history (even though it's mostly bad) and a secured credit card I got from my local credit union 2.5 years ago. Even though my life was going to hell in a hand basket at the time I held onto that card bc I knew it was the only way I'd be able to rent a car when I needed to. When I opened the account in person, the lady at the credit union warned me that if I even had one late payment they'd close it. So that had a perfect payment history and my mortgage had 6 months of on time payments.

 

Cap1 sent a pre-approved offer and I figured since I was opting out it might be the last one I'd see in a while. Also I figured the inquiry couldn't hurt with my scores so low. So I went for it and almost fell off my chair when I saw the approval.

 

I'm so excited to have another trade line to age on my report while I spend the next couple of year digging out of my mess.

 

My experience fico was 583 and my TU fako was 544. I don't have any idea what equifax was.

Is there an annual fee with this card?

 

Congrats on not falling into the Credit One/First Premier trap. Wise move to opt out, save yourself from receiving those predatory credit offers to people in your situation.

 

 

There is no annual fee. I'm excited.

[Bannister]

I am less than 4 months away from my first unsecured card. I remember the excitement- as it had been 7 plus years since having credit..

 

 

 

I am thrilled for you and I also owe it to SDFCU secured card.. even capone and DCU would not take me. I was so ashamed.

 

I know that you have learned some hard lesons and I am so happy that things are going better for you.

 

Pull your REAL Fico scores so that you have a basepoint.

 

It is ALL UP FROM HERE. PIF each month before statement cuts.

 

CONGRATULATIONS

 

 

Thanks so much!

[ubercat]

Care Credit CLI from 800 dollars to 15k. 756 FICO. I should have asked for more, like Shifty says.

[JayB27]

Care Credit CLI from 800 dollars to 15k. 756 FICO. I should have asked for more, like Shifty says.

That is exactly what happened to me uber.

 

Same amounts, and my score at the time was 759.

 

They didn't even question it.

[ubercat]

 

Care Credit CLI from 800 dollars to 15k. 756 FICO. I should have asked for more, like Shifty says.

That is exactly what happened to me uber.

 

Same amounts, and my score at the time was 759.

 

They didn't even question it.

 

 

The girl sounded a little disappointed that she didn't get to say 'no'.

 

Congrats JB!

[JayB27]

No sir, congrats to you.

[CameraSnaps]

My husband and I finally decided to apply jointly for a credit card where we have our joint account, at first, we were initially denied due to "excessive credit available" (hubs has excellent scores with high credit limits, you can see my profile below). I sent an email to an employee who has processed my card with Schoolsfirst FCU before, we received a call, they reconsidered and approved us for 10K!

[ElGringo]

Barclays Hawaiian Airlines, tentatively approved - need to send evidence of Florida residency & SS card by mail. So, a copy of my FL driver's license, bank statement with FL address, and SS card.

 

The no FTF/EMV nature of it was to my liking. And in my personal situation, since airfare to/from PR is expensive, but mileage redemptions are pretty awesome, I opted for this over the Arrive+ at least for now.

Edited January 15, 2015 by ElGringo

[IndyPoolPlayer]

And in my personal situation, since airfare to/from PR is expensive

Have fares decreased much since Southwest started operating in San Juan?

[ElGringo]

 

And in my personal situation, since airfare to/from PR is expensive

Have fares decreased much since Southwest started operating in San Juan?

 

 

For a while, but they're back up to annoying levels.

[NoPresetSnarkLimit]

Wife: Everyday Preferred 16.5k

Me: picked up a fresh Greenie just for the 1989ness.

So I'm still unfroze from the 1st of January, (today is last day of 15 day unfreeze)was my plan to wait for better offers on the PRG and lo and behold I finally got it to come up after about 90 tries. So let's make that two 27 year old accounts to start the year.

Got the 50k/1k spend

Edited January 16, 2015 by RecoveredDebtaholic

[cv91915]

 

Wife: Everyday Preferred 16.5k

Me: picked up a fresh Greenie just for the 1989ness.

So I'm still unfroze from the 1st of January, (today is last day of 15 day unfreeze)was my plan to wait for better offers on the PRG and lo and behold I finally got it to come up after about 90 tries. So let's make that two 27 year old accounts to start the year.

Got the 50k/1k spend

 

 

Well played.

 

And thanks for not typing "low and behold." That one drives me nuts.

[kmwrestle]

Chase freedom $4500 on preapproval site with frozen EX..asked for a cli but was told I would need to unfreeze Ex...I will take the 4500 for now

[FromGoodtoGreat]

 

Wife: Everyday Preferred 16.5k

Me: picked up a fresh Greenie just for the 1989ness.

So I'm still unfroze from the 1st of January, (today is last day of 15 day unfreeze)was my plan to wait for better offers on the PRG and lo and behold I finally got it to come up after about 90 tries. So let's make that two 27 year old accounts to start the year.

Got the 50k/1k spend

 

Nice RDA!

[ElGringo]

This is my last one for 6 months! I decided that since Chase still won't let me in (declined for CSP and Amazon), I'd tackle the other bank I burned in the past.

 

Back in with BOA, BankAmericard Cash Rewards - $7,500

 

And now to garden so much that my credit report'll smell like manure.

Edited January 16, 2015 by ElGringo

[FromGoodtoGreat]

This is my last one for 6 months! I decided that since Chase still won't let me in, I'd tackle the other bank I burned in the past.

 

Back in with BOA, BankAmericard Cash Rewards - $7,500

 

And now to garden so much that my credit report'll smell like manure.

Congrats ElGringo!

[lilyflower]

Never thought Citi would approve me but...

 

Citi Double Cash - $5500

[FromGoodtoGreat]

Never thought Citi would approve me but...

 

Citi Double Cash - $5500

Nice! Congrats!

[lilyflower]

 

Never thought Citi would approve me but...

 

Citi Double Cash - $5500

Nice! Congrats!

 

 

Thanks, I got a little bold after my Amazon store card doubled my limit earlier today. I was declined a secured Citi card for years. I applied with a frozen EX so I'm guessing they pulled EQ

[ElGringo]

Never thought Citi would approve me but...

 

Citi Double Cash - $5500

Congrats!! That's on my post-gardening list to apply for!