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App Spree Results

Frequent Contributor

App Spree Results

I paid off all my debt down to 1% revolving and waiting for my scores to reflect it. I still have poor scores because of tax lien public records, but other than those records I have no lates or baddies with balances in the last 3 years. Here is my APP Spree:

 

Amex Starwood Preferred: $1000 CL

Citi Double Cash: $4300 CL

Citi Simplicity: Declined.

Citi Costco: Declined.

Blispay: $5000 CL

 

Notes: As you can see in my signature line, I'm pretty AMEX happy. I love my cards and this is my 5th revolver approved by them. I was extremely disappointed with the $1000 credit line. I travel alot so SPG and Hilton are my thing. I was very happy with the Blispay and Double Cash and presume that Simplicity and Costco were due to multiple applications in the same day? I didn't research before hand what Citi's policies are on multiple apps, but they declined me hard for those two. The double cash was the card I wanted the most.

 

My plan is to consolidate my credit lines with AMEX next month and only have the cards I used most. Hopefully I am done apping now until we buy our new home in 24 months... so the plan is 2 years of gardening beginning today.. with only CLIs that can be had via softpull.

 

Cards I will be closing from my sock drawer:

Bank of America: $500 - been stuck here forever

PayPal Visa: $600 - been stuck here forever

Merrick Bank: $2800 - this card was just a big rebuilder card

 

 

 

 

  
CapOne QS
$10,250
 
AMEX Delta Gold
$15,000
 
AMEX BCE
$5,000
 
AMEX BCP
$1,000

AMEX HHonors
$1,600
 
Discover it
$2,000
FICO8 Scores:
EQ: 648
TU: 654
EX: 691

(as of 07/15/2017)
Message 1 of 11
10 REPLIES
Regular Contributor

Re: App Spree Results

Awesome congrats man! 

 

As you may already know, your Amex is in for some serious 3x CLI Smiley Happy 

 

 

Fico 8: TU 771 (Discover) EX 754 (Amex) EQ unknown...Garden indefinitely

Total Credit Line: 65.6K Inquires: TU unknown | EX unknown | EQ unknown
Message 2 of 11
Senior Contributor

Re: App Spree Results

Congrats..Citi apps have to been done 8 days apart.
FICO 8 Scores EQ=754 TU=774 EX=766 (INQ) EQ=16 TU=14 EX=15 TCL=$500K+
Message 3 of 11
Frequent Contributor

Re: App Spree Results

I hope they don't cancel my double cash approval for making 3 apps in an hour's time. ;(

  
CapOne QS
$10,250
 
AMEX Delta Gold
$15,000
 
AMEX BCE
$5,000
 
AMEX BCP
$1,000

AMEX HHonors
$1,600
 
Discover it
$2,000
FICO8 Scores:
EQ: 648
TU: 654
EX: 691

(as of 07/15/2017)
Message 4 of 11
Senior Contributor

Re: App Spree Results

Nah.. the system is probably setup to ignore any apps after the first. I'm sure you aren't the first to hit them for CC's multiple times the same day. Lol

The Double cash is a great card IMO. Limits don't start off super high, but they do grow steadily after the first CLI.
FICO 8 Scores EQ=754 TU=774 EX=766 (INQ) EQ=16 TU=14 EX=15 TCL=$500K+
Message 5 of 11
Regular Contributor

Re: App Spree Results

Citi has the 8/65 rule.. no more than 2 applications in 8 days and 3 in 65 days. Congrats on the approvals!

Message 6 of 11
Valued Contributor

Re: App Spree Results

Congrats on your approvals!!

AmexPlat(NPSL) Amex BCP(26k) Chase CSP (25.9) BofA CR Siggy(15k) NFCU CLOC(15K) NFCU VS Cash(12.5K) Venture WMC(10.25k) Walmart MC(10k) BofA BBR(10k) Lowes(10K) Discover(8.5k) Chase FU(7k) Pier 1(6.5k) BB Visa(6k) Care Credit (6k) Citi Diamond(6k) J Crew(5.9k) Barclaycard(5k) PenFed PCR(5K) Kohls(3k) Mortgage May 2017 - 2 Penfed auto loans May 2017

FICO 8 Scores EX 681(18) EQ 672(18)TU 699(19) AAOA 3.3yrs TCL=193,550
Message 7 of 11
Regular Contributor

Re: App Spree Results

Congrats, OP! Did Citi prequalify you or did you cold app?

In order of use: Barclays Uber VS | BofA/ML (Merrill+, Cash Rewards) | AmEx (PRG, Delta Gold) | Discover | Chase | NFCU | Blispay

TU 704, EX 700, EQ 676 (11/30/2017)
Message 8 of 11
Frequent Contributor

Re: App Spree Results

I had no prequal offers... I just applied... with a 691 experian fico 8.

  
CapOne QS
$10,250
 
AMEX Delta Gold
$15,000
 
AMEX BCE
$5,000
 
AMEX BCP
$1,000

AMEX HHonors
$1,600
 
Discover it
$2,000
FICO8 Scores:
EQ: 648
TU: 654
EX: 691

(as of 07/15/2017)
Message 9 of 11
Valued Contributor

Re: App Spree Results

Congrats on the approvals you did get. Maybe Citi will give you another after the wait. Good SL on the DC
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (15,000)
Current Scores (7/8/17): 682 Transunion, 648 Equifax, 673 Experian
Message 10 of 11