Best strategy to get approved for hard-to-get cards?

For just about anything you want to get off your chest about credit cards.
17 posts
jeffysdad
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Location: Texas

Postby jeffysdad » Sun Jul 15, 2012 5:20 am

One of us should send a note to Discover complimenting them on something and see if we can have our words memorialized.

"Discover, I do so love how your rewards program includes an 'anniversary date.' Mine happens to correspond to the wedding anniversary of my spouse and myself. If it weren't for the former, I would never be able to remember the latter. Thanks, Discover."

Something like that.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.


Ratfacedudeguy
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Postby Ratfacedudeguy » Sun Jul 15, 2012 12:46 pm

Brilliance. Sheer brilliance.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

cjohnrun
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Success!

Postby cjohnrun » Thu Nov 15, 2012 8:17 pm

Approved for PenFed Platinum Cash Rewards and Fidelity AmEx, plus U.S. Bank Cash+ to boot.

I waited until my last inquiry hit a year and then used hematino’s method for PenFed. I opened a checking account and funded it with a lump sum and six weeks’ direct deposit before applying for their credit card. No need to verify income since my net pay was going to them.

The day the first card showed up on my online account, I applied for the Cash+. As soon as U.S. Bank’s application status line said I was approved for the second card, I applied for the Fidelity AmEx. Then about a week later, I doubled my Blue Cash CL. Now I have four rewards cards, two with $10K+ limits. I hope to raise the other two above that mark in the near future, but I’m in no rush.

Special thanks to hematino and to Crashem, wherever you are these days.

TheLethargicAge
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Postby TheLethargicAge » Thu Nov 15, 2012 8:53 pm

jeffysdad wrote:One that doesn't is US Bank, as I've just discovered with my new Cash+card.


Their web interfaces (both PC and mobile) are terrible. On a PC, you can make payments, but you can't see pending transactions. Unfortunately, it doesn't show your payment history anywhere and doesn't keep you from making duplicate payments.

Their mobile app does show you pending transactions, but you can't make payments from it.

Their live customer service is great, though.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

hematino
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Postby hematino » Thu Nov 15, 2012 11:22 pm

cjohnrun wrote:Approved for PenFed Platinum Cash Rewards and Fidelity AmEx, plus U.S. Bank Cash+ to boot.

I waited until my last inquiry hit a year and then used hematino’s method for PenFed. I opened a checking account and funded it with a lump sum and six weeks’ direct deposit before applying for their credit card. No need to verify income since my net pay was going to them.

The day the first card showed up on my online account, I applied for the Cash+. As soon as U.S. Bank’s application status line said I was approved for the second card, I applied for the Fidelity AmEx. Then about a week later, I doubled my Blue Cash CL. Now I have four rewards cards, two with $10K+ limits. I hope to raise the other two above that mark in the near future, but I’m in no rush.

Special thanks to hematino and to Crashem, wherever you are these days.



Congratulations! I'm happy I was able to help someone here after all the helpful insight and advice I have received from other members here. Glad it worked for you the same it was for me, from both of our experiences it would seem that PenFed is more willing to grant credit once you have direct deposit with them. Is your Platinum Cash Rewards light silver in color or green? I got the old silver colored one, but on their website it has a new green design.

That's awesome man, the Cash+ is the last card on the market today that I want to conquer for the long run. No luck yet, I've applied twice now and got downsold to a crappy 1% cash back card both times (with limits $5000, and $8000 respectively). They said I could upgrade to the Cash+ after 6 months so I've been putting some money through them and come late December I think it will have been 6 months on the older of the two.

I just doubled my Blue Cash Preferred limit too and nearly doubled my Fidelity Amex within the last week. I'm trying to be good and not apply for anything new, but I've been trying to CLI every card I possibly can. I'm waiting on Chase's response to my Freedom CLI request and next week I'm eligible to request for my Citi Dividend. I hope they aren't gonna all be hard pulls.... My total credit is already about $12000 higher than my income, lol.
Now she's eyeless.
The snakes she held once
Eat up her hands.

cjohnrun
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Postby cjohnrun » Fri Nov 16, 2012 8:09 am

Congrats to you too on the CLIs. I got the green Cash Rewards card, which I like much better than the silver design.

Good luck on the Cash+. That's so strange that they've been downgrading people despite giving them large lines. FWIW, I was "instantly" approved for $11K. Of course, my application still went to underwriting for several days because "your application may be subject to further verification," but my online application said "Approved" on the results page. Did yours say "approved," or did it say something like "pending review"?

hematino
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Postby hematino » Wed Nov 21, 2012 10:21 am

Both times my applications said pending review. 11k? That's a pretty great credit line! They were definitely generous with my limits, but I'm not that willing to use those lines for a measly 1% on the rewards. Just a few small bills each month and thats it. Hopefully I will get it eventually but if not, I've got more than enough cards and way more total credit than I'd ever use at this point. But for me it's a game lol. No word by the way on my Freedom CLI yet, they pulled EX and TU (ouch), so hope something comes of it. Tomorrow's 6 months for my Citi Dividend and that's the last CLI i have planned till April or so.
Now she's eyeless.
The snakes she held once
Eat up her hands.



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