Jump to content

The Master 2015 Credit Approvals Thread


IndyPoolPlayer
 Share

The last post in this topic was posted 2534 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

 

Barclaycard Arrival $7.5K

Chase sapphire preferred $15K

Amex Blue cash denied

Amex PRG in progress

 

wow, very good... PRG is good, got my blue three months later after excellent pay history... just be patient, I was denied first time as well.

 

I am BL with chase but I went in through credit match and I am hoping against reality. They did not reject me but they did not pull... EX/EQ frozen.

Amex PRG approved, and they're sending it two days. November 2013 I was approved for Barclays apple for $2000 which was my first non AU credit card since 2005. Today I have $195,000 in open credit, a car loan and two Amex. I am pleased.

Link to comment
Share on other sites


That photo is hilarious Shifter.

 

 

Decided to snag the 25k offer for the Amex Business SPG as well. Only approved for $3k though.

 

Does anyone know if a recent CLI on personal precludes me from getting an increase in the business product in 61 days?

Forget about CLIs and churn the business cards. As long as you have not had the card for 12 months, you can collect the bonus on a business card again.

Link to comment
Share on other sites

 

That photo is hilarious Shifter.

 

 

Decided to snag the 25k offer for the Amex Business SPG as well. Only approved for $3k though.

 

Does anyone know if a recent CLI on personal precludes me from getting an increase in the business product in 61 days?

Forget about CLIs and churn the business cards. As long as you have not had the card for 12 months, you can collect the bonus on a business card again.

 

 

Good to know, I still have space for two more revolvers so I'll look at the Hilton.

 

Think it would be too much to add a 3rd Amex in a weeks time?

 

It's too bad your signature doesn't show up on Tapatalk, I would have done the referral. ;)

Link to comment
Share on other sites

Added to my AmEx stable (Currently PRG, BCE - 17.5k, ECP - 15k)

 

Picked up a Green charger and the HHonors Surpass revolver.

 

Unsure on the CL yet for the revolver, but not really all that concerned. Was just looking to pad the file with a couple more D* to '93.

 

 

 

The limits above came last spring/summer when my FICOs were high 600s. I'm between 790-810 at the moment (depending on the model they pull for EX) so I'm guessing the HH shouldn't be a bad limit. Got the 80k bonus as well so that's something useful even if they lowball me, I suppose...

Link to comment
Share on other sites

Added to my AmEx stable (Currently PRG, BCE - 17.5k, ECP - 15k)

 

Picked up a Green charger and the HHonors Surpass revolver.

 

Unsure on the CL yet for the revolver, but not really all that concerned. Was just looking to pad the file with a couple more D* to '93.

 

 

 

The limits above came last spring/summer when my FICOs were high 600s. I'm between 790-810 at the moment (depending on the model they pull for EX) so I'm guessing the HH shouldn't be a bad limit. Got the 80k bonus as well so that's something useful even if they lowball me, I suppose...

that is quite fabulous...!

Link to comment
Share on other sites

:blush:

:blush: So what specific info, if any, did you find out and from whom? :sorry:

Not a damn thing.

 

I couldn't find time to call Chase:

You're fired. Guidette_zpscrnzk5gq.gif

And since the bills have to get paid around here, I called Chase EO today for us. :dntknw:

 

We got as far as, "Your account isn't eligible for a PC, yet. Call back after the 12th statement." :rolleyes:

 

She didn't even know if it COULD PC, but the system wouldn't even answer that part since the account was opened in July.

Link to comment
Share on other sites

Received what I thought was another declined letter in the mail today. Chase Fraud Dept. requested a word with me in regards to my Southwest app. Answered a few questions about my ID because EQ put a fraud alert on my file since I have been disputing. Approved with CL 5K. I now have 4 TL with them.

Link to comment
Share on other sites

NFCU CLI => $25k

Added $8k via LUV Button. :good:

This gardening stuff is fun. :wub:

How come no one told me...? :dntknw:

Regions Bank CLI to $12k (^$7k)

(PC to Rewards Visa, which isn't saying much.)

Submitted the request on 12/31/2014; approved in 2015.

I'm double dipping by counting the success in both years. :P

USBank CLI => $25k (up from $11k)

TU pull...semi-soft :grin:

I've ADDED $39k via 4 CLIs in 10 days. :yu:

Walmart CLI => $35k (up from $25k)

Now I'm capped out on the 2 Synchrony cards I have; both are @ $35k.

If I ever get another one, its capacity would only be a wimpy $30k. :beee:

Amex SPG for $5k

 

We're gonna forego any discussion on this for now. BagHead_zpsvtq2hvni.gif

Link to comment
Share on other sites

 

NFCU CLI => $25k

Added $8k via LUV Button. :good:

This gardening stuff is fun. :wub:

How come no one told me...? :dntknw:

Regions Bank CLI to $12k (^$7k)

(PC to Rewards Visa, which isn't saying much.)

Submitted the request on 12/31/2014; approved in 2015.

I'm double dipping by counting the success in both years. :P

USBank CLI => $25k (up from $11k)

TU pull...semi-soft :grin:

I've ADDED $39k via 4 CLIs in 10 days. :yu:

Walmart CLI => $35k (up from $25k)

Now I'm capped out on the 2 Synchrony cards I have; both are @ $35k.

If I ever get another one, its capacity would only be a wimpy $30k. :beee:

Amex SPG for $5k

 

We're gonna forego any discussion on this for now. BagHead_zpsvtq2hvni.gif

 

 

Very Very nice. Catching up, while I'm lumbering...

Link to comment
Share on other sites

Lumber Liquidators 5K, Recon to 10K.. Cant get anymore, I am officially Maxed at Synchrony bank.

 

Home depot project loan- 15K, Installment based.. wanted this instead of putting new kitchen on the HD card- New house crap sucks.

 

Walmart Biz 5K

 

Grainger 5K

 

PNC card- 20K Took for a 0% offer for 18 months, and 300 in CB after jumping thru a few fiery hoops.

Link to comment
Share on other sites

Lumber Liquidators 5K, Recon to 10K.. Cant get anymore, I am officially Maxed at Synchrony bank.

 

Home depot project loan- 15K, Installment based.. wanted this instead of putting new kitchen on the HD card- New house crap sucks.

 

Walmart Biz 5K

 

Grainger 5K

 

PNC card- 20K Took for a 0% offer for 18 months, and 300 in CB after jumping thru a few fiery hoops.

Can you refresh me on the overall limits for Synch? So I'm guessing the limit per card is 35K (?) but what is their max exposure overall?

Link to comment
Share on other sites

 

Lumber Liquidators 5K, Recon to 10K.. Cant get anymore, I am officially Maxed at Synchrony bank.

 

Home depot project loan- 15K, Installment based.. wanted this instead of putting new kitchen on the HD card- New house crap sucks.

 

Walmart Biz 5K

 

Grainger 5K

 

PNC card- 20K Took for a 0% offer for 18 months, and 300 in CB after jumping thru a few fiery hoops.

Can you refresh me on the overall limits for Synch? So I'm guessing the limit per card is 35K (?) but what is their max exposure overall?

 

 

I think 110K. My lumber liquidators CLI letter stated Max exposure at bank for the "reason"

Link to comment
Share on other sites

 

Amex PRG approved instantly, but Amex Everyday pending

 

Just saw your signature! 25K on your Sync/Amazon? How did you get that? Nice limit!!

 

 

I think it had been open about a year when I got that CLI. I gave their backdoor number a call, then asked for $25k and it was approved... :)

 

Depending on how long yours has been open, you should try the same. It helped act as a prybar for the other larger limit cards in my sig.

Link to comment
Share on other sites

I went on a little App Spree to start the year (I only had a 6 month month old secured card a month ago).

 

Amex Green

Amex BCE 2k

NFCU Cash Rewards 12k

Discover It 1.5k

All instant approvals except the BCE which was reconed

EX 750's, TU 780's

 

I was at 3.5k total credit now 19k total credit! :dance:

Link to comment
Share on other sites

 

 

Amex PRG approved instantly, but Amex Everyday pending

 

Just saw your signature! 25K on your Sync/Amazon? How did you get that? Nice limit!!

 

 

I think it had been open about a year when I got that CLI. I gave their backdoor number a call, then asked for $25k and it was approved... :)

 

Depending on how long yours has been open, you should try the same. It helped act as a prybar for the other larger limit cards in my sig.

 

 

Wow I am close to 1 year now. If I may I ask abt credit activity- balances? Did you PIF regularly? HP?

 

Thank you!! I will def try to request for higher credit line.. (maybe not as much as 25K with my profile but higher than my 2K now :)

Link to comment
Share on other sites

Nov 2012, scores were in the mid 500 range.

Jan 2014, landed a great deal on a car loan from Logix

Jan 2015, pulled the trigger at Navy Federal and was rewarded with an $8k cashRewards card.

 

Scores are around 650 now.

 

Have some medical baddies that reach SOL this summer. Reading and studying and preparing for WhyChat's HIPPA process every day.

 

Time for the garden, up to 11 accounts now, most of it in the past year, but the NFCU card is a GREAT way to start the year!

 

I owe it all to the lessons learned on this board. :)

Link to comment
Share on other sites

The last post in this topic was posted 2534 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

Guidelines