Mixed Results App Spree

peripheral · ‎12-16-2013

Well, after sitting back for the past year and a half with only a Bill Me Later application, I decided today was the day to go on my first ever mini application spree.

Here's my rough profile:

I have 2 past dues from Cap1 and HSBC (paid/settled) due to fall off my report in January 2014

Capital One Plat Opened 8/2012 $300cl (auto-CLI to $2000 in late November)

Bank of America Cash Rewards Opened 10/2012 $500cl (formerly a secured card

US Bank Platinum Opened 10/2012 $500 (formerly a secured card)

BML Opened in May 2013 $300 CL, recently approved for a $2850 purchase which is also my current CL with them (love this account!)

The Results from today:

New Accounts:

Chase Freedom auto approved $6000CL

Amex BCP auto approved $1000CL

BarclayCard Arrival w/ $89AF had to call the backdoor recon line, but approved for $600CL

CLI Requests from current accounts:

Bank of America Cash Rewards online CLI request approved $1600 (I had asked for $6000...no go)

US Bank Platinum called in for CLI, but the rep said I had to wait 7-10 days for an answer .Requested $6000

All in all I'm fairly satisfied, especially with the inital CL of $6000 from Chase! Wow...what a nice surprise. Sadly the other 2 new accounts were less than spectacular with their initial CLs..

I have no idea what my fico was at the beginning of the day, but I'm assuming in the 680 range. I just wish I could have gotten better initial CLs with AMEX and BarclayCard. But I'll work them up over the next 12 months while I'm in the garden.

I'd like to thank all the contributors on this forum for the great reviews and wonderful advice. It's been a long hard road to rebuild my credit..and I still have a long way to go!

Starting Score: 620
Current Score: 680
Goal Score: 750

Take the FICO Fitness Challenge

Capital One Platinum $500
Bank of America Cash Rewards $500
US Bank Platinum $500

myjourney · ‎12-16-2013

Congrats

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

coldnmn · ‎12-16-2013

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

gdale6 · ‎12-16-2013

Thanks for the info, enjoy

alvon123 · ‎12-16-2013

congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

ScarletFever · ‎12-16-2013

Congrats...and here's to a score bump in January!

.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%

ForMyBiz · ‎12-16-2013

Looks quite successful! Congrats!

djc1puno · ‎12-16-2013

nice haul! congrats and see you in the garden

GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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kaskuli · ‎12-17-2013

That's a very impressive haul! have some of those cards on my radar.

Dat Freedom limit ..... dat utilization boost. And zero % balance transfers too... you've started 2014 in the best possible way. Congrats!

$26500 Amex EDP / $20000 Merrill+ / $12000 Chase Sapphire Preferred / $12000 Chase British Airways / $7500 Barclays Arrival+ / $7500 FIA Amex / $7500 Paypal Extras MC / $7000 Chase Freedom / $3500 Discover It

yudeology101 · ‎12-17-2013

Congrats, OP! Those are 3 nice cards, all from great lenders. Welcome to Chase & AMEX family! (I don't have Barclays so i can't welcome ya there )

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*
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Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)