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.