topic Re: Apps Spree Success 4 over 4 in Credit Cards

Apps Spree Success 4 over 4 ( Updated )

nicholasyud — Thu, 15 Nov 2012 03:31:06 GMT

Nov 14 2012

Omg I cant believe what i see on my own eyes.....im so shaking exciting and im so high right now..

So after reading this forum for almost three months reading almost 32959 Post and 52581 minutes online im go ahead and pull the trigger for my very 1st apps spree...So nervous.....

After waiting for all the authorize remove, late baddie and everything remove from my credit report, my credit had improve very much.

I was sitting at work and think maybe its time for me to pull the trigger what the heoooooooooooooooooooooo :

Here the result :

Amex Green : Approved.
Amex Delta : Approved. Dont know limit yet. ~~$1000 ( toy limit again )~~
Walmart Store Card ( What the heo ) : offer 700 call back to request 2000 but got counter offer for 1200. I was like okay i take it :D.

After three apps i had a customer and take me almost 2 hours to get thing done. I was so shaking when all my apps went through. I wish someone would know how i feel right now after denied for credit in the last 4 5 years. I think maybe I apps for a City Card.............no maybe U.S Bank no maybe Discover ............and when im in the middle of think my next dream cards...........Opppppsss i have another customer come in hmmmmmmmmmmm well take me another 1 hours .It's 4:00 Pm now.

Continue so in the mean time working with the customer i was think oh maybe i should apps for USAA. So i decide to go for it. Bummmmmmmmmmmmmmm $4000 credit approved your cards should be arrived in 7 to 10 bussiness day. Omg i almost fall down the chair.......I feel llikg im in the heaven right now. USAA would be my number favor credit company now..........................Thank you so much for everyone in here for all your advice.

4. USAA Master card : 4000 0% apr for 12 months hohohohohoho

Specially to Shogun, Crashem, llecs, Robert, Dunccarn , LS879, Webhopper, Jamie123 and everyone here answer my question and give me some experience about those company and tactics.

I so happy right now

maybe I'll throw the Fico Partyyyyyyyyyyyyyyyy

Here is the status of the Card application(s) you submitted to us.

Date Received

Card

Status of Application

Next Step

11/14/12

AMERICAN EXPRESS PREFERRED REWARDS GREEN CARD

Approved

Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer

11/14/12

DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS

Approved

The information above is the latest we have regarding your application(s). If you don't see the Card(s) you applied for listed here, or if you have any questions, please call us at 1-866-314-0237 (Mon-Fri 6am-8pm MST).

Wednesday, November 14, 2012 Current Balance $0.00 Available Credit $4,000.0.

Current trash cash that going to "" What on my wallet "

2 Crappy one 500 and 400 limit and Freakie Credit one 400 and come with multiple fees. You does your job and thank you so much but you going to kiss my natural azian skinny butt and stay home and welcome to my Prime Cards.............Anw I love you guys......Yo all awesome.....................

Re: Apps Spree Success 4 over 4

Repo-ed — Wed, 14 Nov 2012 23:38:12 GMT

That's once nice haul right there!

Grats!

Re: Apps Spree Success 4 over 4

Cadillac-XTS — Wed, 14 Nov 2012 23:39:34 GMT

Congrats

Re: Apps Spree Success 4 over 4

webhopper — Wed, 14 Nov 2012 23:40:50 GMT

Congrats!!! Those are really nice cards!!! Definately feel free to get rid of any toy limit fee heavy builder cards... you are primetime now! Well done :)

Re: Apps Spree Success 4 over 4

nicholasyud — Wed, 14 Nov 2012 23:48:38 GMT

i wonder if there a way i can find out about my credit limit on AMex Delta Card

Re: Apps Spree Success 4 over 4

basballguy — Thu, 15 Nov 2012 00:01:46 GMT

what are the general "unspoken rules" for these "app sprees"? Should I wait for a certain credit score before I do it? I imagine the ideal would be 720+, but what does everyone else do?

Also if i'm looking to do a mortgage in less than 6 months, i'm assuming i should avoid an "app spree"?

Re: Apps Spree Success 4 over 4

wallyworld123 — Thu, 15 Nov 2012 00:12:29 GMT

Congrats good for you:smileyhappy:

Re: Apps Spree Success 4 over 4

webhopper — Thu, 15 Nov 2012 00:14:56 GMT

basballguy wrote:
what are the general "unspoken rules" for these "app sprees"? Should I wait for a certain credit score before I do it? I imagine the ideal would be 720+, but what does everyone else do?

Also if i'm looking to do a mortgage in less than 6 months, i'm assuming i should avoid an "app spree"?

Hi! Welcome to the forums basballguy! Generally it is not advisable to app for a lot of cards because it will decrease your average age of accounts! Here are some popular threads that you may find helpful:

Credit Scoring 101 - Tuscani (Please read this first!) http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Scoring-101-START-HERE/m-p/8169

If I were you I would avoid an app spree!

What are your current scores? How close are you to a mortgage? Feel free to check out the mortgage forum while you are here!

Re: Apps Spree Success 4 over 4

kobe2012 — Thu, 15 Nov 2012 00:19:57 GMT

Nice!!! I remember youre were gardening for a while and we have almost the same credit profile... Well, gardening did you great!!!!! Were you a full usaa member??

Re: Apps Spree Success 4 over 4

jamie123 — Thu, 15 Nov 2012 00:20:30 GMT

Congrats!!!!

You are PRIME time now!

Really great cards and really great CLs!

Good job!

Re: Apps Spree Success 4 over 4

jf49rs — Thu, 15 Nov 2012 00:23:31 GMT

Hello! And congrats I just app for the discover more card 0% interest for 14 months and a $5500.00 limit plus I got a BCU visa card with a $ 1000.00 limit and a paypal master card with a 1500 limit plus I refinance my thru BCU and got a 4.5 %

I have 2 liens and a judgment that are paid plus a late in the last 12 months plus some 90 days back in 07

iknow the filling specially when I got approved for the discover card!

Re: Apps Spree Success 4 over 4

nicholasyud — Thu, 15 Nov 2012 00:31:56 GMT

kobe2012 wrote:
Nice!!! I remember youre were gardening for a while and we have almost the same credit profile... Well, gardening did you great!!!!! Were you a full usaa member??

Yeah kobe we had a conversation not too long ago about same credit profile and i finally pull the trigger.........Until now i still didnt believe its happens..........

Im not a full USAA member but gave me 4000 credit limit.....that's insane.........Just call them today and ask a few question......I thuoght i had 0% APR for 1 year but its only for balance transfer and convenience check. The 25.9% APR kinda freak me out thou but i will treat them well and ask for limit every other 6 months........

Re: Apps Spree Success 4 over 4

kobe2012 — Thu, 15 Nov 2012 00:35:11 GMT

nicholasyud wrote:
kobe2012 wrote:
Nice!!! I remember youre were gardening for a while and we have almost the same credit profile... Well, gardening did you great!!!!! Were you a full usaa member??
Yeah kobe we had a conversation not too long ago about same credit profile and i finally pull the trigger.........Until now i still didnt believe its happens..........
Im not a full USAA member but gave me 4000 credit limit.....that's insane.........Just call them today and ask a few question......I thuoght i had 0% APR for 1 year but its only for balance transfer and convenience check. The 25.9% APR kinda freak me out thou but i will treat them well and ask for limit every other 6 months........

Man, i wonder if i even have a chance with usaa..lol am supposed to be gardening! But congratz! Nice limit... time for you to garden again!

Re: Apps Spree Success 4 over 4

nicholasyud — Thu, 15 Nov 2012 00:45:46 GMT

kobe2012 wrote:
nicholasyud wrote:
kobe2012 wrote:
Nice!!! I remember youre were gardening for a while and we have almost the same credit profile... Well, gardening did you great!!!!! Were you a full usaa member??
Yeah kobe we had a conversation not too long ago about same credit profile and i finally pull the trigger.........Until now i still didnt believe its happens..........
Im not a full USAA member but gave me 4000 credit limit.....that's insane.........Just call them today and ask a few question......I thuoght i had 0% APR for 1 year but its only for balance transfer and convenience check. The 25.9% APR kinda freak me out thou but i will treat them well and ask for limit every other 6 months........

Man, i wonder if i even have a chance with usaa..lol am supposed to be gardening! But congratz! Nice limit... time for you to garden again!

yeah after reading so many post and i think i should establish with some high generous CC company and im so happy i did it..........Might gonna cancel my Green Amex after 1 year till the AF kick in............Not on my list since i already approved for Amex Delta.....Will used it for 2 months then 3x limit increase baby :D

Re: Apps Spree Success 4 over 4

RonDawg — Thu, 15 Nov 2012 02:04:55 GMT

Congrats!

Re: Apps Spree Success 4 over 4

JusdoNit — Thu, 15 Nov 2012 02:07:15 GMT

Much too much Congrats. Nice cards:smileywink:

Re: Apps Spree Success 4 over 4

Epcot — Thu, 15 Nov 2012 03:27:42 GMT

Great job, Congats on your approvals!

Re: Apps Spree Success 4 over 4

nicholasyud — Thu, 15 Nov 2012 03:33:01 GMT

thanks everyone.......I wonder if anyone had success recon credit limit increase with Amex Delta.

They only give me $1000 toy limit. I going to recon and ask them for limit when i first activate my new amex cards........

Anyone had succesful with it ????

Re: Apps Spree Success 4 over 4

TNTransplant — Thu, 15 Nov 2012 03:39:55 GMT

Congrats on your approvals - you did great! :smileyhappy:

I don't think Amex is receptive to credit limit recons. I would just use the card and PIF for the next 2 months, and then request a CLI at 61 days. If approved, that would potentially put you right up to a $3000 CL, and that would be close to your USAA limit. Treat your card wisely, and your limit can grow quickly.

Re: Apps Spree Success 4 over 4

nicholasyud — Thu, 15 Nov 2012 03:48:07 GMT

TNTransplant wrote:
Congrats on your approvals - you did great! :smileyhappy:

I don't think Amex is receptive to credit limit recons. I would just use the card and PIF for the next 2 months, and then request a CLI at 61 days. If approved, that would potentially put you right up to a $3000 CL, and that would be close to your USAA limit. Treat your card wisely, and your limit can grow quickly.

Well i would try and confirm with them about my USAA limit and see what they can do.......Not hurt to try right ???? Also i wonder yes of course im going to paid it in full for the next 60 days but do i really need to paid before the statement closing days or let the balance report then paid ??? What good tactics with AMEX ?????