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Curious; most cards you had approved from an app spree 'bender'

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12njoy
Super Contributor

Re: Curious; most cards you had approved from an app spree 'bender'

I've never kept track.  I'm like ddemari, when I see something that I want, I do a little research and hit that app button if it still looks good.  Everything in my signature is since July 2013 though.

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 11 of 19
OmarGB9
Community Leader
Super Contributor

Re: Curious; most cards you had approved from an app spree 'bender'

2. Lol.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 12 of 19
Anonymous
Not applicable

Re: Curious; most cards you had approved from an app spree 'bender'

On Your Mark , Get Set , GO   10/14 to Present .  I been on a 1 yr spree .     I  started with a $300 Credit One Card ,  Now $250,000 plus  including 1 store card . Lowes for$15000 .

Message 13 of 19
Anonymous
Not applicable

Re: Curious; most cards you had approved from an app spree 'bender'


@Anonymous wrote:

On Your Mark , Get Set , GO   10/14 to Present .  I been on a 1 yr spree .     I  started with a $300 Credit One Card ,  Now $250,000 plus  including 1 store card . Lowes for$15000 .


One year spree?! How do your scores handle those bleepin pesky inquiries? I hate inquiries but a necessary evil to get what you want.

I don't stay in the garden long so I feel like I've been on 3 month spree.

Message 14 of 19
LadyJEsq
Established Contributor

Re: Curious; most cards you had approved from an app spree 'bender'


@Anonymous wrote:

On Your Mark , Get Set , GO   10/14 to Present .  I been on a 1 yr spree .     I  started with a $300 Credit One Card ,  Now $250,000 plus  including 1 store card . Lowes for$15000 .


Wow, just wow.

 

 

**FICO 8 Scores EQ EX TU **


Message 15 of 19
NRB525
Super Contributor

Re: Curious; most cards you had approved from an app spree 'bender'

The limiting factor for me is, most of the cards I've gotten have spend requirements, and I can't stack those. It's a forced spacing situation.

 

AMEX EDP and BofA Alaska Air were different, EDP has a $2k spend, AK Air no spend, and an expiring paper mailer to respond to, otherwise I would not have done both so close together, within 3 days.

 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 16 of 19
Pway
Valued Contributor

Re: Curious; most cards you had approved from an app spree 'bender'

I've obtained everything in my siggy this year with the exception of Express and Fingerhut. 

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 17 of 19
Anonymous
Not applicable

Re: Curious; most cards you had approved from an app spree 'bender'

My first spree was 4 for 6, but i had to send recon snail mail letters for 2 of them. CapitalOne and Barclays auto approved, Citi and US Bank on recon, but Bank of America and Chase wouldn't budge even with snail mail recon.

Even with a new 10k auto loan, my scores have already come up about 15 to 20 points in a month.
Message 18 of 19
Anonymous
Not applicable

Re: Curious; most cards you had approved from an app spree 'bender'

Five in one day post refi: AMEX PRG and Delta Gold, Alaska Air personal all auto approved, U.S. Bank Business and Alaska Air Business both approved after calling underwriting.

Message 19 of 19
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