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The Master 2015 Credit Approvals Thread


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Third Amex business card today, SPG. 10K points for first purchase, 15K additional points for $5K spend in 6 months. AF waived first year.

 

Hope I get it before I leave on Friday so I can pay for my hotel with it.

Why not call them up and see if they'll express it for you?
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Third Amex business card today, SPG. 10K points for first purchase, 15K additional points for $5K spend in 6 months. AF waived first year.

 

Hope I get it before I leave on Friday so I can pay for my hotel with it.

Why not call them up and see if they'll express it for you?

I ask for expidited delivery with every card and get them within 2 days. Except Barclay who wants to charge $35.

 

Sent from my SM-N900P using Tapatalk

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I believe they express all business cards (at least they did my other two without my asking), and the screen and email confirmation stated 2-day delivery. I tried calling the number, but it was closed on Sunday. The online account setup was "unavailable" the couple of times I tried it. So I'll wait until tomorrow to see if I can get in online and to call. I'm sure all will be fine, but there's that little bit of tentativeness until I know for sure.

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I decided to try to get two Amexes again today.

 

That PRG 50K offer seems gone, so I went with the standard offer through a referral link from mendelssohn. Approved!

 

Then I went for the ED through a referral link from HL. Approved for $2K! The limit sucks, but the 29 year trade line doesn't. :good:

Online CLI request for my Fidelity Amex. I asked to go from $9K to something like a $20K or $25K line. Instant approval for $16.7K! This is now my highest line, and it takes me to over $50K in trade lines. Next stop, $100K!

I requested a CLI this morning for my $2K Amex ED. I almost asked for a CLI for my $6K BCE, but I didn't want the rejection. Not because I'm afraid of rejection, but because I don't want to wait 90 days before requesting another CLI. Anywho, approved to $6K! :yahoo:

 

Now at $55,600 in credit, with an average line of $5,054.54.

I called Citi's EO yesterday asking for a CLI for my $2.5K Double Cash. Asked them to match the $16.7K on my Fidelity Amex. A CLI came through an hour ago. $12.3K! :yahoo: This is now my second highest limit. :D

 

Now at $65,400 credit, with an average line of $5,945.45.

I'm in the middle of an app spree today. So far:

  • Sallie Mae $6,000
  • IHG (Chase) $14,600
  • Bank of America $11,000

I have apps with Alliant and UNFCU that are pending.

 

I now have 15 lines. 14 are revolving, with $97,000 of credit, and an average line of $6,928.57.

Got a HP CLI on my Chase Freedom to go from $3,500 to $6,000.

 

Alliant initially approved me for $2,000, but when I said that I wanted to do a $3,000 balance transfer, I was put on hold. A few minutes later, the loan officer said that because I have a 823 credit score, they're giving me a $15,000 line! Now I need to figure out what scoring model Alliant uses.

 

I now have six-figures in credit! $114,500 in credit lines, with an average line of $7,633.33.

My UNFCU Azure app was denied. Twice.

 

I finally was able to recon it into an approval. Only a $1,500 Azure for now, but I'll take it!

 

17 credit lines, with 16 revolving for $116,000 of credit. Average line is $7,250.00.

 

A few weeks ago, I got an auto-CLI from CapOne. My QuicksilverOne went from $1,700 to $3,700.

 

Today I applied for a Starwood Amex with the 30K point offer, using a referral from HL. Got the "we need to think about it" message. Called in. Answered a few questions. Approved for $2K. :good:

 

I now have 18 credit lines, with 17 revolving for $120,000 of credit. Average line is $7,058.82.

Edited by RussInGotham
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Approved for Walmart MC for $1,600 last night, called the backdoor number and asked for $10k. I was put on hold at least 3 times with him coming back and asking me verification questions. After answering the questions he told me he could not approve my request and limit would stay at $1,600!

 

My FICO8 is 705 TU, 668 EQ and 646 EX(8-10-15). I am assuming they pulled TU via the CP Database. Yesterday I was approved for Cap1 Venture $5,000, Cap1 QS Rewards $3,000, but on an app spree with mostly TU since my highest score, only one collection showing that I'm working on. Also approved within last week for Overstock $8,300, Sportsman's Guide Visa $3,500, Modell's Visa $600, Camping World Visa $2,200. (SCT) So far I know for sure Modell's cost me a HP and from my recent research it sounds like all the Comenity Visa SCT cards will be hard pulls. No more Comenity.

 

Also approved for Barclay My NFL Card on 7-7-15 for $5,000. I will list some of my other accts:

 

Cap1QS1 $2,300 (9/14)

Cap1 Plat $1,500 (8/14)

Discover it $1,900 (8/15)

Lexus Financial Auto Loan $64k/$1,050 mo. (11/13)

Macy's $1,200 (5/14)

Navient/Sallie Mae Student Loans $101k (4/04)

SyncB/Amazon $5,000 (4/14)

SyncB/Care Credit $4,500 (2/11)

Wells Fargo Secured Visa $1,000 (2/14)

 

Utilization always under 10%

Income $525k

 

Any suggestions on getting Walmart MC cli? Overall my limits seem low for my income, any suggestions? Lowe's as a prybar card even though I don't need it?

 

I have been a browser on here for years and have recommended the board to many. I am ready to start contributing to help others and of course improve myself at the same time. Any input would be appreciated! Thanks.

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US Bank Cash Rewards Visa $1,000.00 limit. Called in immediately for CLI. Approved next day for $5,000 limit. Tried to recon for a product aims to the US bank cash plus Visa Signature, but was told to call back in 6 months after using the card a little.

 

Not a bad score for one hard pull on Experian. :)

 

Sent from my SM-G900T using Tapatalk

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Fidelity AMEX 12k

 

NFCU Mortgage (0 Down 5%)

 

BMW Financial Auto Loan (0.9%)

 

AMEX Everyday 3x to 18k

 

Citi Dividend CLI +3k

Looks like you really thought all that through. All of those are very nice accomplishments. I aspire to have an NFCU mortgage someday, & I wish that I could get a sub 1% auto loan.

 

I prefer electric cars so I can't really get anything close to zero percent financing all in all though that I like. I like the BMW i8, but a bit pricey for me. The whole point of having an electric car is mostly to save money lol if you can afford and I ate, then you don't need to worry about gas prices lol

 

I have been very happy with my FIA American Express 2% card.. One of my favorite accomplishments. Some places don't take Amex though, so I had to get the city double cash for those instances

Edited by Mo Munny Mo Problems
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Fidelity AMEX 12k

 

NFCU Mortgage (0 Down 5%)

 

BMW Financial Auto Loan (0.9%)

 

AMEX Everyday 3x to 18k

 

Citi Dividend CLI +3k

Looks like you really thought all that through. All of those are very nice accomplishments. I aspire to have an NFCU mortgage someday, & I wish that I could get a sub 1% auto loan.

 

I prefer electric cars so I can't really get anything close to zero percent financing all in all though that I like. I like the BMW i8, but a bit pricey for me. The whole point of having an electric car is mostly to save money lol if you can afford and I ate, then you don't need to worry about gas prices lol

 

I have been very happy with my FIA American Express 2% card.. One of my favorite accomplishments. Some places don't take Amex though, so I had to get the city double cash for those instances

 

 

Yeah, my goal all along was to get a mortgage, but along the way I got bitten by the rewards bug, and then the high limits bug.

 

When I joined this website my FICO's were below 600 across the board, now I'm in the high 700's / low 800's

 

I pretty much got the FIA AMEX for SERVE

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Amex Business Gold Rewards

75K MR points for $10K spend in 3 months

AF waived the first year

 

Amex SPG Business for $3K

10K *P for first purchase, 15K *P for $5K spend in 6 months

AF waived the first year

 

Cap1 PC QS1 to QS

CLI from $4000 to $7500

 

Discover CLIs (3x $1000) from $8500 to $11.5K.

 

Amex Business Platinum

150K MR points for $20K spend in 3 months

 

Discover CLI from $11.5K to $12.5K (in May)

Walmart CLI from $6K to $10K

Lowe's CLI from $17K to $35K

Fidelity Amex CLI from $15K to $25K

 

Discover CLI from $12.5 to $13.5K (earlier this month)

NFCU Flagship CLI from $25K to $35K

 

Citi AA MC CLI from $4800 to $6300 with a SP

 

Citi AA Exec MC $8500

75K miles/$7500 spend in 3 months

 

Citi Hilton HHonors Visa $6000

75K points/$2K spend in 3 months

 

Chase Ink Plus Visa $10K

50K UR points/$5K spend in 3 months

 

Walmart CLI from $15K to $20K (3rd CLI in 45 days)

 

Barclays Miles & More MC CLI from $24,100 to $30,000

 

Amex Hilton HHonors auto CLI from $1K to $2K

Amex SPG CLI from $3K to $9K

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Approved for Walmart MC for $1,600 last night, called the backdoor number and asked for $10k. I was put on hold at least 3 times with him coming back and asking me verification questions. After answering the questions he told me he could not approve my request and limit would stay at $1,600!

 

My FICO8 is 705 TU, 668 EQ and 646 EX(8-10-15). I am assuming they pulled TU via the CP Database. Yesterday I was approved for Cap1 Venture $5,000, Cap1 QS Rewards $3,000, but on an app spree with mostly TU since my highest score, only one collection showing that I'm working on. Also approved within last week for Overstock $8,300, Sportsman's Guide Visa $3,500, Modell's Visa $600, Camping World Visa $2,200. (SCT) So far I know for sure Modell's cost me a HP and from my recent research it sounds like all the Comenity Visa SCT cards will be hard pulls. No more Comenity.

 

Also approved for Barclay My NFL Card on 7-7-15 for $5,000. I will list some of my other accts:

 

Cap1QS1 $2,300 (9/14)

Cap1 Plat $1,500 (8/14)

Discover it $1,900 (8/15)

Lexus Financial Auto Loan $64k/$1,050 mo. (11/13)

Macy's $1,200 (5/14)

Navient/Sallie Mae Student Loans $101k (4/04)

SyncB/Amazon $5,000 (4/14)

SyncB/Care Credit $4,500 (2/11)

Wells Fargo Secured Visa $1,000 (2/14)

 

Utilization always under 10%

Income $525k

 

Any suggestions on getting Walmart MC cli? Overall my limits seem low for my income, any suggestions? Lowe's as a prybar card even though I don't need it?

 

I have been a browser on here for years and have recommended the board to many. I am ready to start contributing to help others and of course improve myself at the same time. Any input would be appreciated! Thanks.

 

  1. What are the negatives keeping your EX and EQ scores down?
  2. What is your overall credit card goal?
  3. Why do you want a Walmart MC instead of the store card?
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First Business accounts opened/approved:

 

AMEX Business Gold Rewards $ charge card

AMEX SPG Business $10k

 

Personal:

Cap1 Venture bumped from $13k to $23k ( I run $20k a month through this card)

 

Combined Chase SW Rewards Plus $13.5k into a no longer used Chase Sapphire preferred $6k = $19.5k

I have a Slate at $2000 that I didn't roll in just yet but may soon.

 

I may do Chase Ink Plus and add one City and BOFA card tomorrow as I only have 1 of each so I can combine at some point.

Officially past my end of year goal of $100k in open lines today with $0 balance.

 

FICOS were EX 750, EQ 792, TU 797

 

Busy day but a good one!

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FNB Omaha $1k unsecured. Woot woot. Lol.

Congrats! You're on the right path! Stick with us, we will show you the way! :grin:

It's actually $1800. Typo on my part. After getting my Cap1 cards I wasn't planning on app anything else until the new year. FNBO sent me a typical pre qual in the mail. Said what the hell and app online. Got a typical 7-10 yesterday. Around noon today I got an email saying I was approved.

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FNB Omaha $1k unsecured. Woot woot. Lol.

Congrats! You're on the right path! Stick with us, we will show you the way! :grin:

It's actually $1800. Typo on my part. After getting my Cap1 cards I wasn't planning on app anything else until the new year. FNBO sent me a typical pre qual in the mail. Said what the hell and app online. Got a typical 7-10 yesterday. Around noon today I got an email saying I was approved.

 

 

C O N G R A T S ! ! !

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After closing these cards about 9 months ago, I signed up for them again. This time for higher CL's

Barclays Apple Rewards - $5,500 (wanted a new iPod)

Chase Amazon.com Rewards Visa Signature - $8,500 (will use for its cash back potential)

 

Infiniti Financial Services - Lease

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After closing these cards about 9 months ago, I signed up for them again. This time for higher CL's

Barclays Apple Rewards - $5,500 (wanted a new iPod)

Chase Amazon.com Rewards Visa Signature - $8,500 (will use for its cash back potential)

 

Infiniti Financial Services - Lease

 

You opened a glorified store card TWICE, and the second time was just to get one little item?

 

You need a checkup from the neck up.

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