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13 new cards and 9 CLIs in 8 months.

Frequent Contributor

13 new cards and 9 CLIs in 8 months.

Hi, I just wanted to share my recent app spree experience.

 

Starting early April until today, the cards I've opened in order are,

 

New Cards

 

1. Chase Sapphire (6.2k ->10k). Instant Approval. Don't remember the bonus now. 10k points after $1,000 probably.

 

2. Amex Blue Sky (5k ->15k). Instant Approval. Awesome deal in the mail. 30k points for the first $500. I redeemed that on a $400 plane ticket to Vegas recently!

 

3. Discount Tire Car Care One (1.5k). Instant Approval. I needed to get discounts on a set of new tires and SD'd it ever since.

 

4. PenFed Cash Rewards (2.5k). Origninally declined so I split my Platinum Rewards 5k into half and got this.

 

5. Amex BCE (5k). Instant Approval. $100 back for first $1000.

 

6. Citi Dividend (4.5k -> 20k). Instant Approval. $100 back for $1,000.

 

7. US Bank Cash Rerwards (1k). Instant Approval. Apped for Cash + but didn't get it. SD.

 

8. Walmart Discover (2.2k). Instant Approval. Got it only for the monthly TU FICO. Never used it.

 

9. Fidelity Amex (5k -10k)). 7-10 day message. Recon. Approval. No bonus but 2% on everything and no af.

 

10. BoA Better Balance Rewards (2.5k). 7-10 day message. Recon. Approval. With BoA Savings, its $120 free money each year.

 

11. DCU Visa Platinum Rewards (5k). Instant Approval. Got it only for the monthly EQ FICO. Will probably never use it.

 

12. Amex Premier Rewards Gold (NPSL). Instant Approval. Ok bonus of 25k points after $2,000.

 

13. Chase CSP (10k). Instant Approval. 50k points after $3,000.

 

CLIs

 

        (1) RIght before applying to CS, I got a CLI on Freedom from 1.5k to 5k over the phone. Instant Approval.

 

        (2) Chase Sapphire CLI request to from 6.2k -> 20k, 6 months after opening. Approved for 10.2k but asked for 10k instead to get a round number.

 

        (3) Same day as (2), Chase Freedom upgrade to Visa Signature and CLI request from 5k ->10k. Visa Siggy approved. CLI denied.

 

        (4) Citi Dividend CLI from 4.5k to 20k upon activation. Waited a few minutes on the phone while they reviewed. Then to my big surprise, approved!

 

        (5) Capital One Platinum CLI from $500 -> $1000. lol.

 

        (6) Discover it CLI from $1,250 -> $1,750. um.. ok..

 

        (7) Amex 3X CLI on Blue Sky to 15k with SP. Instant Approval.

 

        (8) Fidelity Amex 5k->10k CLI request. Instant Approval.

 

        (9) Discover it CLI. 7-10 day message. Approval $1,750 -> $5,750. 

 

All in all. 13 new cards and 9 successful CLIs.

 

My background:

 

Credit history: 2 yrs 4 months.

AAoA: 7 months.

Low util.

Carry balance on only one card.

Have all my credit cards' statement dates synched to easily manage.

Have never not PIF and will always PIF.

 

Recent scores are,

TU FICO 08 Classic: 766

EX FICO 08 Classic: 754

EQ FICO 04 Classic: 666 (FICO 04 apparently dislikes low AAoA very much). This was the score used by Cap1 and US Bank. Thus, very mediocre results.

Available credit: 94k.

 

It's been a crazy 8 months and with the receipt of my CSP today, I think I'm done with my app spree for now.

I've now got all the cards I want... almost.. Going to the garden for the first time.. probably..

 

Thanks for always being of good help FICO members! Good luck to the all who are going on app sprees and happy holidays!

 

EDIT: 12/12/13 Just added my 8th CLI.

EDIT2: 12/13/13 Just added my 9th CLI.

EDIT3: 1/2/14 Just added my credit card history timeline below.

 

June 2012

Capital One Platinum

 

August 2012

Discover it

Chase Freedom

 

December 2012

PenFed Platinum

 

April 2013

Amex Blue Sky

Chase Sapphire

Discount Tire

 

October 2013

PenFed Cash Rewards

Amex BCE

Citi Dividend

US Bank Cash Rewards

 

November 2013

Walmart Discover

Fidelity Amex

 

December 2013

BOA BBR

DCU Visa Platinum

Amex PRG

Chase CSP

 

1. Capital One Platinum: June 2012  

$300 ->$500 -> $1,000

 

2. Discover it: August 2012 

$750 -> $1,250 -> $1,750 -> $5,750

 

3. Chase Freedom: August 2012  

$1,500 -> $5,000

 

4. PenFed Platinum: December 2012

$5,000 -> $2,500 (moved 2.5k to Cash Rewards)

 

5. Amex Blue Sky: April 2013

$5,000 -> $15,000

 

6. Chase Sapphire: April 2013

$6,200 -> $10,000 -> $5,000 (moved 5k to CSP)

 

7. GECRB Discount Tire: April 2013

$1,500

 

8. PenFed Cash Rewards: October 2013

$2,500

 

9. Amex Blue Cash Everyday: October 2013

$5,000

 

10. Citi Dividend: October 2013

$4,500 -> $20,000

 

11. US Bank Cash Rewards: October 2013

$1,000

 

12. GECRB Walmart Discover: November 2013

$2,200

 

13. FIA Fidelity Amex: November 2013

$5,000 -> $10,000

 

14. BOA Better Balance Rewards: December 2013

$2,500

 

15. DCU Visa Platinum Rewards: December 2013

$5,000

 

16. Amex Premiere Rewards Gold: December 2013

NPSL

 

17. Chase Sapphire Preferred: December 2013

$10,000

[10%+] Internet, Cable, Cell phone
[5%] Gas, Grocery, Amazon, Airline tickets, Drug Stores, Dept. Stores, Target, MyHabit
[3%] Restaurants
[2%] Everything Else
Message 1 of 19
18 REPLIES
Senior Contributor

Re: Approved:13 new cards. 5 CLIs. 8 months.

WOW!!! Congrats!!!


Message 2 of 19
Mega Contributor

Re: Approved:13 new cards. 5 CLIs. 8 months.

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 19
Established Contributor

Re: 13 new cards. 7 CLIs. 8 months.

Upon approval did you immediately call for CSP increase or wait to activated card? SP or using same HP as app?

Message 4 of 19
Established Contributor

Re: 13 new cards. 7 CLIs. 8 months.

Awesome work!  Congrats to you... Smiley Happy


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 5 of 19
Senior Contributor

Re: 13 new cards. 7 CLIs. 8 months.

Awesome progress, your wallet looking real good OP!  Congrats on your journey, thanks for sharing

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 6 of 19
Regular Contributor

Re: 13 new cards. 7 CLIs. 8 months.

Wow thats great, congrats!

2/26/15: TU Fico (BarclayCard)- 721
2/18/15: EQ (CK)- 668
2/26/15: EX (EX.com)- 706

Message 7 of 19
Regular Contributor

Re: 13 new cards. 7 CLIs. 8 months.

superb results. hopefully you enjoy your stay in the garden. lolSmiley Very Happy

"I know the human being and fish can coexist peacefully. " - GWB
Message 8 of 19
Frequent Contributor

Re: 13 new cards. 7 CLIs. 8 months.


Rackham94 wrote:

Upon approval did you immediately call for CSP increase or wait to activated card? SP or using same HP as app?


Hi, sorry if what I wrote was a little confusing. I will revise some of it.

 

I did not get CLI on CSP. I just received the card today.

 

I did get CLI on CS and that was 6 months after opening not on activation. I requested CLI on Freedom the same day just to see if it works. Surely, it did not.

 

The only card I got a CLI upon activation was Citi Dividend from 4.5k -> 20k. I was really surprised when they didn't even counter offer. I wasn't expecting them to actually say yes.. This wasn't some 61 day 3X CLI like on Amex. This was a 0 day, 4.4X CLI on CITI!

 

I asked for a possible CLI on my Fidelity Amex upon activation and they said they can give me 7.5k instead of 5k. I didn't like the odd number so I said no.

 

I've never tried CLI upon opening with Chase. It seemed to me like it wouldn't work for some reason.

[10%+] Internet, Cable, Cell phone
[5%] Gas, Grocery, Amazon, Airline tickets, Drug Stores, Dept. Stores, Target, MyHabit
[3%] Restaurants
[2%] Everything Else
Message 9 of 19
Moderator Emerita

Re: 13 new cards. 7 CLIs. 8 months.

Message 10 of 19