Chase pre-approval question
Good evening all. I tried Chase pre-approval. It said I didn't have offers because I opted out of pre-approve offers or have accepted another offer. It's that a good sign. I did freeze my LN, Innovis,...
View ArticlePersonal cards with very uneven limits: request CLIs or close the low ones?
Hi everyone,My personal cards have very uneven limits right now. Some are quite high (Bilt Palladium $50K, BofA Travel Rewards $7.9K, Prime Visa $6.6K), while others are really low (Amex Blue Cash...
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Discover Back In After BK7 — Thanks, Capital One?
Considering I burned Discover for over $10K in my 2021 Chapter 7 bankruptcy and haven't been able to get back in since, it's nice to finally see a preapproval!I figured it was only a matter of time...
View ArticleApple Card GS - Too many inquiries time frame?
I was disappointed to be denied this card when I went on my post-mortgage closing app spree a few months ago. I was preapproved for it, but applied for the Lowes card first because that was crucial for...
View ArticleHow long to re-apply for Lowes after Sync closed?
Hi everyone.Sync closed my Lowes card in August citing change in credit score, but they left all my other cards alone and my credit score rebounded in a week. I tried applying again but keep getting a...
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HIGH Fico & LOW utilization triggers rejection! Qatar Airlines Infinite Visa...
Its official--your credit can be too good for some companies..! This should give you a good laugh--Cardless cited the denial reasons as Utillization too low (3%) and Credit lines not being used (I...
View ArticleCan Soft-Pull Preapproval Velocity Affect APR or Starting Credit Limit?
I’m curious whether anyone has experienced repeated soft-pull preapproval checks with the same issuer or card platform affecting the actual terms of a later approval. I’m specifically wondering about...
View ArticleClosing Chase Amazon Prime for Churn
Just closed my Chase Amazon Prime for safe reset to hit the X-mas sub bonus again for churn. Still have $89 GC from $250 GC SUB received last X-mas, no spend required. The Chase Amazon Prime is...
View ArticleApple - Your CL offer is ready to preview data point
Well I setup my new had iPad Pro and then received an Apple Card email offer. I was board and I decided to unfreeze my TU to see what they would give me and it was;$12,500@17.49%TU 817I declined didn't...
View ArticleNew reason for AMEX denial...a good sign?
Filed Ch 7 9/19/2019 and bunred AMEX for $1500The prequalify always states "caused a loss to AMEX" when denied Tried the preapproval on 9/23/2026 ( 7 years and 4 days after filing) Reason for denial...
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Navy Federal Cash Rewards
I was approved for this card back on 7/31/22 before I began my program with Freedom Debt relief in August of 2022. I kept a few cards including this one, and I've always paid on time and I have...
View ArticleAmex blue cash everyday denial
Hello, I was wondering if Amex is stricter on the blue cash everyday approvals compared to the charge cards? My buddy got approved for the Amex plat and delta gold but denied the everyday, he has a 670...
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WellsFargo (Biz) $27,500 Approved
WellsFargoInitial limit $15,000CLI $12,500 Current Cards:Mercury $4k 22'Homebase $1k 21'Wells (G) $5k 18'Chase Slate (J) $6,600 25'PayPal MC (J) $3,500 25'Sam's P (J) $7,500 22'AMEX (J) $1k 25'Rooms...
View ArticleCap one Savor Card offer
Good evening all. Just a quick question. How do you know if the offer is for the good or excellent version of the card? I haven't been able to tell.
View ArticleRakuten App Pending after ID Verification, **UPDATE**
Hi everyone, I was approved for the new Shell Mastercard after submitting photos of my DL. I then decided to app for the Booking.com card the same day & Rakuten the next day. I had to submit DL...
View Articleofficial waiting period between app Imprint.
What is the official waiting period between applications with Imprint?
View ArticleHas anyone been approved for Discover It after opening a lot of cards?
TLDR: Has anyone gotten the Discover it after having a lot of cards? I’ve seen mentions that Discover/Cap1 doesn’t like it when you have a lot of cards before applying for their cards. I used to get...
View ArticleAmex interesting rejection later.
Good evening all. The reason I say the rejection letter was interesting, is that I burned them in bankruptcy 2019. I dint remember the exact amount, but 2 card maybe between $15,000-$20,000. Just for...
View ArticleHow do bureau freezes interact with new applications? Trying to understand...
Hey all,I came across a resource in one of the Skool communities that listed which bureau each bank tends to pull from, and it got me curious about how freezes and applications actually interact.I've...
View ArticleNavy Fed Platinum Approval Odds
Hi Long time lurker here finally making my first post. I used the forum in the past to learn stratgies for rebuilding my credit after financial harship in my early 20's. Thank youn all for sharing all...
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