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App Spree Results!!

Valued Contributor

Re: App Spree Results!!

Congrats on the approvals! That's great!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 11 of 27
Valued Contributor

Re: App Spree Results!!

Congrats

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 12 of 27
Frequent Contributor

Re: App Spree Results!!


getmycreditright wrote:

isoldmyatlas wrote:

I got the 14 day message too.  But when I went to the Check Application Status page a few minutes later, it showed "Approved."  You should definitely check now!

 

And congrats on the Chase and Discover....I like mine so far Smiley Happy  Envious of your limit on the Chase Amazon!


OMG! You're right! I ust checked and I am approved!!!! Getting an AMEX was nothing but a dream when I joined this forum four years ago! Unbelievable!

 


Congrats!!! If you call a CSR you can ask them what your limit is, too.

 

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 13 of 27
Regular Contributor

Re: App Spree Results!!

Still can't believe this just happened! Now, I've got a little dilemma. I have two Capital One cards, one of which I have had for 5 years and is my oldest account and another I opened two years ago. They both have $39 annual fees due next month. Should I PIF and close both? Pay the fee for the oldest account (to somewhat salvage my AAoA)? Or just get rid of them and move on? now that I have the cards I want, I don't really need them anymore. Thoughts?

-------------------------------------------------------------------------------------------------
Starting Score - 575 (4/10)
Current Score - EQ - 750, TU - 752, EX - 728 11/4/12

Current Cards:
AMEX SPG ($7.5k), Amazon.com Visa ($3k), Discover More ($2k) all since 11/4/12

Fighting the good fight!
Message 14 of 27
Frequent Contributor

Re: App Spree Results!!


getmycreditright wrote:

Still can't believe this just happened! Now, I've got a little dilemma. I have two Capital One cards, one of which I have had for 5 years and is my oldest account and another I opened two years ago. They both have $39 annual fees due next month. Should I PIF and close both? Pay the fee for the oldest account (to somewhat salvage my AAoA)? Or just get rid of them and move on? now that I have the cards I want, I don't really need them anymore. Thoughts?


They'll still report on your CRs for 10 years, even if you close them.  If closing them increases your utilization, you'll see your scores drop somewhat.  But IMO, if you really don't think you're going to use them anymore, then I'd say just close them.

 

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 15 of 27
Senior Contributor

Re: App Spree Results!!

Pahajahah!! Crapital One is everyone's dilemma!! They suck!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 16 of 27
Senior Contributor

Re: App Spree Results!!

Ooooo wait til your new accounts report, then close Cap1 cards. Or...
Call C1 and be like "waive the fees or I'm closing 'em; Amex just approved me...etc"
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 17 of 27
Frequent Contributor

Re: App Spree Results!!

Congrats! Smiley Happy

Message 18 of 27
Regular Contributor

Re: App Spree Results!!


youngandcreditwrthy wrote:

Call C1 and be like "waive the fees or I'm closing 'em; Amex just approved me...etc"

I tried that when I got my first Amex.  I was very nice the entire time, but I eventually told the girl that if she wasn't able to at the very least waive my AF, to go ahead and close my card right now.  She responded back 10 seconds later stating that my card was now closed.  I may have told her that Cap1 was subprime after that, but I was still fairly nice about it.

 

Since then (that was 5yrs ago), I've stupidly applied for two cards from them because of 0% no fee BT offers.  They've denied me for both while evey other bank has given me the cards I want (Penfed took two tries).  I think Cap1 just hates me now, but that's ok, because the feeling is mutual.  I refuse to ever app with them again.  It helps that they have nothing I want anymore.

 

Message 19 of 27
Contributor

Re: App Spree Results!!

+1. Congratulations on your new cards. I would definitely try to get them to waive af , pc to no af with better rewards lower apr, or big cli to make worth my time.

Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board


Take the FICO Fitness Challenge

Message 20 of 27