My "little" spree

[lm5243]

   So I kept getting this pre-approval letter from BofA in the mail and against my better judgement I decided to go for it. The only credit I had at that moment were 2 Capital one cards(1 secure with $200 limit, other unsecure with $750 limit). It was a suprise to me when I got the instant approval for $2500 limit(this is the first card I think I have been approved for online). On the next day I see an affiliate ad offering me $50 to open a Discover IT card, I apply and get approved for a $1500 limit, this is when i let go of my better judement all the way and go a little credit app crazy. over the next 4 days I apply and get approved for Chase freedom $3k, Citi Thankyou$2.5k, Chase Southwest Rapid Rewards $5k, American Express Blue Cash Everyday $500(a little low huh?), Sallie Mae Upromise $1.3k, Walmart Store Card $400, Amazon Store Card $400, Mens Wearhouse Perfect Fit $1.4k, Target Red Credit $800...In the process I did get denied for a good few and reason was too many Inquires...I got denied on Citi Simplicity, Total Rewards, The Amazon, and Walmart Visas(only approved for store cards), CSP, and maybe 3 or 4 others.

But overall I am happy with my new credit. I had a defaulted student loan years ago that went into garnishment, but is now completely timed off my report. I have no negatives anymore. I have $10k of active student loans, but I am currently full time student so I am not paying on them. My score was in the 680-720 range before this spree, I am sure it will go down a good bit from all the inquires but I am ok with that. 

[dodgerslv]

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lm5243 wrote:

   So I kept getting this pre-approval letter from BofA in the mail and against my better judgement I decided to go for it. The only credit I had at that moment were 2 Capital one cards(1 secure with $200 limit, other unsecure with $750 limit). It was a suprise to me when I got the instant approval for $2500 limit(this is the first card I think I have been approved for online). On the next day I see an affiliate ad offering me $50 to open a Discover IT card, I apply and get approved for a $1500 limit, this is when i let go of my better judement all the way and go a little credit app crazy. over the next 4 days I apply and get approved for Chase freedom $3k, Citi Thankyou$2.5k, Chase Southwest Rapid Rewards $5k, American Express Blue Cash Everyday $500(a little low huh?), Sallie Mae Upromise $1.3k, Walmart Store Card $400, Amazon Store Card $400, Mens Wearhouse Perfect Fit $1.4k, Target Red Credit $800...In the process I did get denied for a good few and reason was too many Inquires...I got denied on Citi Simplicity, Total Rewards, The Amazon, and Walmart Visas(only approved for store cards), CSP, and maybe 3 or 4 others.

But overall I am happy with my new credit. I had a defaulted student loan years ago that went into garnishment, but is now completely timed off my report. I have no negatives anymore. I have $10k of active student loans, but I am currently full time student so I am not paying on them. My score was in the 680-720 range before this spree, I am sure it will go down a good bit from all the inquires but I am ok with that. 

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Congrats on all of your approvals!!! So am i getting this straight? you applied for 15+ cards in a few days? wow, that is some spree..I  would definitely lay low for a while and not app for anything.

[Credit-hoarder]

Congrats. Not too bad. The Chase and Citi denials were probably b/c they only allow so many apps/approvals in a certain time frame.

[yudeology101]

Congrats on your approvals, seems like you were busy!  Glad the spree turned out great for you.  I notice that there are a number of $500 approvals for BCE lately, but hey you have 61days to look forward to (3x CLI). 

[alvon123]

Congrats!! You had a great spree!!! Just let those accounts age for a bit in the garden

[Hockeyplayrr]

Congrats! That is a pretty impressive arsenal.

[coldnmn]

Congrats! I'm truly speechless!  

[katie04]

Congrats!  Some pretty good starting limits too!

[cottoncrown]

That was a good one! Spree! Spree! Spree! ... Spree! Spree! Spree!

[09Lexie]

Welcome to the forum! That was some haul...you have a lot of seedlings that need tending; see you in the garden.