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My First App Spree Ever (and now I Garden lol)

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Lois5669
Frequent Contributor

My First App Spree Ever (and now I Garden lol)

Thanks to this forum, I started with some pretty dismal FICO scores and gradually raised them. As a matter of fact, last May 28th, at least one of my scores was 701 (when I bought my car). 

 

Two years ago, I had no choice but to get a couple of secured cards (2 for a total CL of $500)

 

Well, I was waiting for this week for over a year. All my baddies fell off and it was time for my spree. I had a pretty good one and now am set to sit back and garden for a year. Smiley Happy

 

As of yesterday, I now have:

Home Depot: $3000

Capital One MC: $3000

Bank of America Visa: $1500

Walmart: $1200

Amex Blue: $1000

Barclay MC: $750

 

Thank you very much to everyone that has helped me learn!


Starting Score: EQ = 550; TU = 491(2/10/12)
Current Score: EQ = 669; TU = 674(6/20/14)
Goal Score: 700+


Take the FICO Fitness Challenge
Message 1 of 10
9 REPLIES 9
HailtotheVictors79
Contributor

Re: My First App Spree Ever (and now I Garden lol)

Congrats, don't forget to go for the 3x CLI on your Amex after 60 days.

Message 2 of 10
Kenny
Moderator Emeritus

Re: My First App Spree Ever (and now I Garden lol)

Congrats on your successes! Smiley Happy
Message 3 of 10
coldnmn
Mega Contributor

Re: My First App Spree Ever (and now I Garden lol)

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
Message 4 of 10
BigBS
Senior Contributor

Re: My First App Spree Ever (and now I Garden lol)

Very nice!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 5 of 10
MissMoni223
Senior Contributor

Re: My First App Spree Ever (and now I Garden lol)

CONGRATS to you on your very successful 1st App Spree!  You did really well and WELCOME to the Garden!!!

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)
Message 6 of 10
gdale6
Moderator Emeritus

Re: My First App Spree Ever (and now I Garden lol)

Excellent spree OP, congrats to all your success Smiley Happy

Message 7 of 10
efranklin23
Valued Contributor

Re: My First App Spree Ever (and now I Garden lol)



@Lois5669 wrote:

Thanks to this forum, I started with some pretty dismal FICO scores and gradually raised them. As a matter of fact, last May 28th, at least one of my scores was 701 (when I bought my car). 

 

Two years ago, I had no choice but to get a couple of secured cards (2 for a total CL of $500)

 

Well, I was waiting for this week for over a year. All my baddies fell off and it was time for my spree. I had a pretty good one and now am set to sit back and garden for a year. Smiley Happy

 

As of yesterday, I now have:

Home Depot: $3000

Capital One MC: $3000

Bank of America Visa: $1500

Walmart: $1200

Amex Blue: $1000

Barclay MC: $750

 

Thank you very much to everyone that has helped me learn!


Congrats on you current app spree!!! Don't forget to call Bank of America and see if you can get that converted to CashRewards for more rewards. Their regular I believe don't offer cashback or points.

AMEX BCE (30K), DISCOVER IT (29.5K), NFCU CASH REWARDS (25K), BOA TRAVEL REWARDS (15K), USAA VISA (13K), CHASE SAPPHIRE RESERVE (13K), COMMENCE MASTERCARD (7.5K), CHASE FREEDOM (7K), CHASE FREEDOM (7K), TFCU CC (2.5K), TARGET REDCARD (900)
Message 8 of 10
CreditMagic7
Mega Contributor

Re: My First App Spree Ever (and now I Garden lol)

Congrats! on sealing for yourself a sucessful run for those. Smiley Happy

Message 9 of 10
alvon123
Super Contributor

Re: My First App Spree Ever (and now I Garden lol)

congrats


Message 10 of 10
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