Wife’s mini app-o-rama in August 2015

My wife hadn’t applied for any credit cards since mid Christmas, so she was long overdue for a mini app-o-rama.  Here’s what happened:

Chase Sapphire – DENIED IN LETTER

Due to Chase’s new 5 cards in 2 years rule, while she hadn’t applied for anything in a while, she did have 7 cards in 2 years.  Sure enough, she eventually got the rejection letter

Bank of America Alaska Visa – INSTANT APPROVAL

This was for the 25K + $100 offer.  I guess I could have applied for a 2nd one, but I didn’t.

Citi ATT More – DENIED IN LETTER

I wanted to get it for the iPhone 6S, but shockingly I got denied in a letter weeks later.  They denied me for ‘too many accounts open.’  Now I wonder if it’s due to all the AMEX AU’s I added.  I didn’t bother to call or write the Executive Office.  I’ve also heard from ther people of recent Citi denials (as of around mid-August.)  I worry that Citi is tightenting up on approving new applications.

American Express Business SPG – INSTANT APPROVAL

My wife actually has never had the Biz SPG version so of course I got her the 30K offer.

American Express Simply Cash – APPROVAL AFTER A WEEK

I had read that if you apply for 2 AMEX credit cards (not charge cards) in the same day, you’ll only get 1 approved.  The other card will be looked at a week later and SHOULD use the same hard pull.  I actually don’t monitor my wife’s CR so not sure if it did use the same HP.  Anyway, I got this card for the a) $250 signup bonus, b) NO ANNUAL FEE, c) and 5% at office supply stores up to 25K.

Chase Hyatt Visa – APPROVED AFTER 3.5 WEEKS

After I had applied for those 5 cards, I figured I wouldn’t get the Sapphire, so I may as well apply for the Hyatt Visa too in hopes they’d use the same pull.  Sure enough, my application went into pending.  Then I didn’t hear anything for 3.5 weeks.  I had given up on it until suddenly one day, I got an email from Chase that my Hyatt card is on the way.  Then a week later, I learned that they reallocated 2 credit lines to give her an uncesssarily whopping 33K CL. I plan on using this card for 2 nights at the Park Hyatt Sydney later this year.

Discover It Card – INSTANT APPROVAL

This was actually a month later after the $10K Apple Pay promo was announced.  My wife never had a Discover card, and while I was worried about the recent hits on her CR, I figured this was worth the risk.  Luckily, she was instantly approved for a 12K CL.