↧
what does the amex love button actually look like
↧
Care credit odds of approval?
↧
↧
new credit lines!
So I am a week into my membership here and I have read these forums for months prior, I have learned a lot and have been able to help at least 1 person with my experience. I am proud to say now I have a few new lines of credit and am ready to sit in the garden and give them all a chance to grow. Last night I was approved for the VS and the Overstock cards! Those are the 2 I have wanted since learning about the shopping cart trick 2 months ago and I couldnt get either, I got 4 others that I dont care about I just wanted more avail credit across the board plus they will work well for birthdays and holiday gift giving. I literally tried it every day for weeks and got a few of my friends and family members those cards but i couldnt get it to pop . Finally last night I used my nick name instead of my full first and it popped on both. Vs was for 350 and OS was for 250 either way I am excited to add those and let them all age together. I have a goal of getting some better credit lines in the future but for now I am gardening. Thank you all for sharing the experiences and trials here so others can learn and not struggle terribly during the build or rebuild process!!
↧
From Panic Attack to NFCU cashrewards visa!!
I submitted my application for the cashrewards visa at 2 this morning at which time my hands were sweaty and shaking and my heart was pounding!! I'd applied for the cashrewards visa about 3 months ago and got an instant denial, since then I've had significant score increases but I didn't think it was enough. I was still panicking when I received the 24 hour message after submitting and the email that my app had gone under review. Thanks to the advice and kind words from members of the forum I was able to calm down and be patient. Well 6 long hours later I received a "YOU'RE APPROVED expect your credit card within 5-7 business days" text! To say I was floored would be an understatement!! Now while I was only expecting a SL of $500, my curiousity took over and I called to find out that I had a SL of $3k!!! I almost dropped the phone, and I didn't know what to say so there were alot of "okays" as the rep told me my APR 16.15 (not great but I'm still rebuilding so I'm not complaining) and some other information that I don't remember because I was in a state of shock lol.
They pulled TU for the app, I have a discover it (secured $200) reporting at 11% UTI and a Cap1 (secured $250) that has not reported yet. I also have a credit buillder loan reporting. My current scores are in my siggy; however as I'm sure I'll be updating them my TU score is 579! I'm so excited that Navy is giving me a chance to rebuild with them! This card is going to be my new prized possession and I plan to handle it with the utmost care!
↧
Nfcu cli second time
I went from $500to 15k at third Statement
Now I am on my 6 statement and waiting for the mar AR and I'll click the CLI is it same luck as the third statement? Or it's harder to get a second chance
Now I am on my 6 statement and waiting for the mar AR and I'll click the CLI is it same luck as the third statement? Or it's harder to get a second chance
↧
↧
NFCU CLI
I am a very impatient man.
I got tired of waiting for proof of the March AR and I went for the CLI on my Platinum.
$5000 limit went to $25000!
Now both cards are at $25000 to go along with the $15000 CLOC
I'm now maxed with NFCU unless I app for something else.
EQ 747
EQ 58 inquiries
Utilization under 5% ($8600 balance on NFCU rewards) no other CC debt on my reports.
I got tired of waiting for proof of the March AR and I went for the CLI on my Platinum.
$5000 limit went to $25000!
Now both cards are at $25000 to go along with the $15000 CLOC
I'm now maxed with NFCU unless I app for something else.
EQ 747
EQ 58 inquiries
Utilization under 5% ($8600 balance on NFCU rewards) no other CC debt on my reports.
↧
USAA CLI - Data Points
USAA has an "Offer" for my usually SD'd 'Platinum' Visa... it's for BTs at 0% until April 2018 with no fee.
I was about to do a BT to another card anyway so this will work out well, and will save a little money. Since I plan to carry the balance through the year my chances at getting a CLI later on might not be optimal, so I figured I would see about getting a bump now.
Previous CL was $8400, new CL is $12k.
I opened the account Nov 2015 with a SL of $7k, which was very generous at the time considering I still had a couple of old baddies reporting and my largest credit line at the time was Capital One at $1900.
I'll always give USAA credit for 'jump starting' my rebuild, and if it weren't for them I doubt I would be where I am now.
This account got an auto-CLI to $8400 when it was around a year old; during that time I used it heavily andcarried a balance (there was a 0% new account promo). There has been no movement since then, and this is my first CLI request.
It was a HP (they disclose that it is) and my EQ FICO 8 as of two days ago is 741 (my lowest), but USAA doesn't use FICO 8 and historically the version they use is always a bit lower (I found this out when I was approved for the Limitless). In any case, for a card that has seen less than $100 in swipes in the last 12 months (possibly longer) I'm pleased with the outcome.
Hopefully these data points will be helpful. 
↧
Williams-Sonoma SCT Data
I have had an interesting experience with the Williams-Sonoma website, that I thought I would share.
I had been shopping for a couple of higher end countertop electrics and ended up at the Williams-Sonoma website. They had a pretty significant sale going on and the savings was about 25%. I put both items in my cart and added a couple smaller things. I liked the fact that shipping was free, as one item weighed 50 pounds. My total purchase was $800.
After entering my delivery address, I got the credit card pop-up which I have had several times in the past, which always said 'preapproved for store card or Visa etc'. I didn't want to chance a HP for a store card so I always passed. This time, the pop-up said 'preapproved for the Visa (no store card offer) and it gave me the usual additional 20% off for purchases made that day with the card. I opened another window to search MyFico to do some research on the offer and when I went back to the WS tab, the offer timed out (I'd never seen that before). I decided that I wanted to pull the trigger but couldn't get the offer to pop-up again. Went incognito, and the offer was there, so I accepted.
$5K SL Visa Siggy, I was happy because it saved me an additional $160. on the order. In my email a couple of hours later, there was a message from WS saying I had left things in my cart and offered me 25% off to complete the order. So, if I'd used that offer, I would have saved an additional $40. which may not be a lot to some, but hey, it's my money lol! I sent a message to customer service and explained the situation. 24 hours later, they graciously applied an account credit for the additional 5%.
The card might not be for everyone but on an $800 purchase (would have been $1040+ elsewhere), I got $200 off with the 25% offer, plus a $20 WS gift card for opening the account, a $25 gift card for spending $500 and I'll get my annual $25 birthday gift card next month.
The strangest part of the entire experience, is that after 3 weeks, still no HP on any of my three reports, just a SP on Equifax. I have the card in hand and am still waiting for the dreaded HP notification, but so far nada. Comenity HP'd me for my SPGV last summer and I fully expected the HP for this Visa product. If it shows up, I'll report back. But until then, I'm loving my new kitchen gear...steaks are on me tonight guys, come on over!!
Chapter 7: Discharged November 2015
Total Revolving Credit Lines January 2016: $2600
Total Revolving Credit Lines January 2017: $138K
11/15 Fico 8: EQ-585, TU-550, EX- 551
01/17 Fico 8: EQ-695, TU-703, EX-673
03/17 Fico 8: EQ-694, TU-710, EX-678
Advantis CU Siggy Visa $25K, NFCU Cash Rewards Visa $4600> $22K, NFCU CLOC $15K, NFCU Go Rewards Visa $5,500, PenFed Promise Visa $10,500, PenFed Platinum Rewards Siggy Visa $5500, SPGVisa $4,500>$5250, Cap One Platinum $2K>$4K>$8K, Good Sam Visa $1800>$3300, Discover $1800>$2K>$2300>$2600, Lowe's $6K>$17K, Overstock $7K>$7300>$7700, Evine $1K>$5K>$6K, HSN $3750, PenFed Thrifty $500, Barclay's Hawaiian Airlines WEMC $2K, Williams-Sonoma Siggy Visa $5K. That's right...Credit One Visa is G-O-N-E!
↧
PENFED Approval with Data points
Decided to pull the trigger on Penfed today and here are the data points:
BK DC 3/15
current EQ 691
2 tax liens reporting on EQ
9 INQ on EQ
11 new accts last 12 mo's (all v/mc no store cards)
I decided to call in rather than do it online and I really reccomend that method...at least from my experience.
It took about 30 minutes total but at each step, membership, funding the acct, cc app etc. the rep would verify my identity with additional questions. After the membership was approved and svgs funded, I asked if he would help me with a cc app, told him of bk 2 yrs ago, current score and etc and we discussed best card options. He took all of my info then got the Lending dept on the phone and went back and forth a time or two between me and them...asking additional questions, security, income and etc. I asked for 10-15k. He came back and said we can approve you for 10k today.
I found this process to be nice because I didnt have to upload one documents of any kind...they were able to confirm everything by asking various history verification questions at each juncture.
Hope this helps
Cheers
↧
↧
Approvals after 3 months of credit repair
Here's my story. I recently decided to start rebuilding my credit at the end of Nov 2016. I'm in the real estate industry and contacted a local credit repair company I knew about. When they started working on my file my scores were the following 11/19/17 EQ-597 TU-609 Exp-588 I had a Capital One Quicksilver Card $1k limit and I have two vehicles w/sub prime lenders I purchased at Carmax. In Jan 2017 I obtained a Verve MC w/a $300 limit 2/3/17 scores increased to EQ-636 TU-656 Exp-640 On 2/7/17 I decided to take another chance on applying for the Chase Southwest Airlines CC which I was declined in Nov. The approval came back w/a $5k limit w/the Premiere card. I also needed a new bed and got approved for the Synchrony Mattress Firm card $1,500 limit. Then after finding/reading the great info everyone made available on this forum. I decided on 2/27 & 2/28 to pull the trigger on a couple more applications last week. I got approved for the Synchroy CareCredit $500, Synchrony Walmart approved $1,000, I then by accident applied for the Amazon Chase Visa and got the message under review wait 7-10 days :/ I got approved for the Synchrony Amazon $1k limit. I then went to paypal and was approved for the Extras MC w/a $250 temp credit limit :/ DiscoverIt $1,600 limit. I ran across someone's post about a local credit union UFCU here in the Austin TX area. I had heard local loan officers used this bank for buyers that needed to build some credit. I didn't qualify for the normal membership but I was able to join by donating $25 to the Longhorn Foundation put $5 into a savings account and $35 into the checking. I did get notified by the personal banker she could pull my credit to see if I qualified for any of thier products. I gave her permission and I qualified for an auto refi for my 2013' GMC Terrain Denali AWD. When we looked at the numbers I had too much negative equity :/ The rate would of 3.8% would of saved me some $$$$ since it's currently 16%. I then decided to apply for their CC that evening. I called the next day and was told I was approved for $5k but I needed to have $500 in my checking account. I deposited $500 and was sent the documents to sign for the cc. The last card I applied for was the Penfed and was declined due to some deragotory which I have on my TU after the credit repair a repo that occured 2 years ago and a wells fargo charge off card back in 2012.
My two questions are should I call Synchrony to increase all of their limits and should I call Penfed for a reconsider? I'm also considering calling Cap One to see if I could get the Venture?
Again scores in 11/2016 EQ-597 TU-609 Exp 588 all Fico 8
2/3/17 EQ-636 TU-656 Exp-640 Fico 8
after my app spree 3/2/17 EQ-634 TU-647 EXP-641 Fico 8
Approved CC
2/7/17 Chase SW Airlines Premiere $5k limit
2/8/17 Synchrony Mattress Firm $1,500
2/27/17 Synchrony Walmart $1,000
2/27/17 Synchrony Paypal Extras MC temp credit $250
2/27/17 Chase Amazon Visa (under review 7-10 days message)
2/27/17 Synchrony Amazon $1,000
2/28/17 Discover $1,600
3/1/17 University Federal Credit Union $5k
3/2/17 Penfed denied :/
↧
OH MY GOD NAVYFED **bleep**
I'm in disbelief!
My brother turned 19 a week ago. He's got two credit cards currently (and an auto loan which my mother co-signed on @ 2.49%) and is an AU on a 5 of my 3-5 year old cards. His auto loan is 6 months in, and he is reporting 1% util.
He has 21K income, and navyfed after clicking "maximum amount" increased from 1K SL he got to 18k.
Honestly, I know he can handle it but holy crap out of 5-7 of my closest friends he's got a higher limit than everyone except me!
↧
Navy FCU CLI
Hello everyone,
Finally get around to applying for a CLI on my Navy Federal Cash Rewards and they approved from initial $7,500 to $22,000 for a $14,500 increase!! My next highest card is Fidelity Rewards at $6,400. My score right now is 723 and working to build right now.. I had 7.5K in CC debt which I have paid down to 3.5K in last 6 months and hope to have paid off by year end. My total Cc limits were 42.5K and just went to 57K! I hope to see a big boost from the limit increases. Also got increased to $4400 on my Discover.
Total debt is 20k auto loan, started at 30k and 3.5K in cc from 7.5K beginning of year. I have 1 inquiry reporting for past 6 months and 2 30 day lates from 2012 and 2013. Current score is 723 without the CLI posted yet. Jan 1 score was low 700's. I am in the garden and hope to be well over 750 by year end!
Cheers!
Finally get around to applying for a CLI on my Navy Federal Cash Rewards and they approved from initial $7,500 to $22,000 for a $14,500 increase!! My next highest card is Fidelity Rewards at $6,400. My score right now is 723 and working to build right now.. I had 7.5K in CC debt which I have paid down to 3.5K in last 6 months and hope to have paid off by year end. My total Cc limits were 42.5K and just went to 57K! I hope to see a big boost from the limit increases. Also got increased to $4400 on my Discover.
Total debt is 20k auto loan, started at 30k and 3.5K in cc from 7.5K beginning of year. I have 1 inquiry reporting for past 6 months and 2 30 day lates from 2012 and 2013. Current score is 723 without the CLI posted yet. Jan 1 score was low 700's. I am in the garden and hope to be well over 750 by year end!
Cheers!
↧
Amex BCE Auto CLI
5 months in Amex bumped my credit line from $2,000 to $6,000 pretty generious Auto CLI. FYI they do not like when u carry a large balance. I apped for CLI at 90 days and had a healthy balance, then paid if off and two months later they gave me an auto CLI
↧
↧
Fingerhut CLI
Just logged into my account today to see that they have given me an additional $500....
My new limit is $1,250 I had been stuck at $750 for a few months.
I have been keeping it for the free fico score/ the occasional sale that I cannot resist..
Got my 7.5ft pre-lit Christmas tree for 49.95$ a couple months before Christmas..... Which was cheaper than what Wal-Mart was selling them for, needless to say, it gave me a reason to keep Fingerhut around for a while
↧
Marvel CLI
Pressed the button the other day requested $12,000
They countered with $10,000 which is what I assumed would be my max with them... $2,000 increase from the $8,000 I was sitting at.
For reference, the majority of my spend runs through my Marvel card.
They are currently my lowest APR at 15.49%
↧
NFCU--If at first you dont succeed...
Thought this may help:
New member in Nov of 16 so apped for cc and CLOC.
Flat out denied for cc and was asked for docs for $5000 CLOC which I didnt provide (was OOT), so no CLOC.
Fast forward:
Apped for $9K personal loan on 2-1-17, approved, no addit docs.
Apped for $10K CLOC on 3-1, approved, no addit docs.
Looking forward to the cc in a bit unless some NFCU-savvy folks suggest thats moving to fast.
Thanks to all the NFCU posters out here as I am NOT military.
↧
New years App spree. 5 cc approvals 2 denials
Time to gatden now. Since jan i have applied for 7 ccs and an auto loan.
Approvals
Amex everyday - jan 7th -approved for 2500 (10000 milespoints bonus) ( instant approval)
Oldnavy visa - jan 24th - approved for 1000. ( instant approval)
Amex bluecash everyday - feb 3rd - approved for 7700 (150 bonus) ( 3 days pending review and approved, didnot call)
Penfed powercash rewards - feb 21 - Approved for 3500 ( 100 bonus) ( 1 day pending and approved , did not call)
Marvel MC - feb 28th Approved for 4000 ( instant approval)
Auto loan - toyota financial , approved for 15487 ,75 months , 4% ( approved at the dealership)
Denials
Penfed platinum visa signature feb 27th 1(2 days pending ,denial, did not call
Sams club march 3rd ( 7to10 days message, called and denial).
Scores as of feb 28th. TU 734, EQ701, EX 723
AAOA 11 MONTHS ( BUT GONNA TAKE A HIT )
Inquiries ( TONS!)
So yeah. Going to garden for a looooong time now.
↧
↧
Duel AMEX Approved Single HP +3XCLI Updated
UPDATE March 3rd 2017..
First i got 2 Amex revolver accounts with single HP as i mention in my previous post now after 63rd days i decided not the touch the 10k everyday but instead ask for 3XCLI on my 6k Blue cash and bam new credit line 18k so now i have 2 amex account @28k starting limit was 16K folks hehehhe always paid in full 
↧
JetBlue Plus WEMC Approval!!
Super happy to say I just got instantly approved for a $5,000 SL JetBlue Plus WEMC! This is my highest SL ever (usually get $1,000 SLs) and first WEMC! Super excited about the 30,000 mile sign-up offer, that will pay for my round trip airfare for vacation this fall!
What an app-spree month. In recap, in the past 30 days I've managed to get approved for AMEX BCP, Chase Disney Premier Visa, and now the JetBlue Plus card! Also got a $1,500 CLI on my Chase Amazon Rewards VS and a $500 CLI on my JCPenney's Store Card.
Now it's into the garden for the rest of the year (5/24 falls off next January).
↧
My Amex Approval Question
↧