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Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
0

Re: Omg Discover.........Apps Spree Continue........

Wish you luck, but have to "advice" you the same as the others. You did a good job, now hop over to the garden and stay there. You have nice little seedlings to grow. No reason to risk anything.

 

I know it is tempting, esp. if you are in this forum every day. I am on the same path, but stopped after my Zync and Discover. I will both treat them well and they will treat my well also. Amexco is already "increasing" my NPSL by huge steps after 2 months according to the buttom ... so why risk anything?


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

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Valued Contributor
improvingmycredit
Posts: 1,402
Registered: ‎07-12-2011
0

Re: Omg Discover.........Apps Spree Continue........

Hey Nicolasyud!  

Congrats on the approval!!!  I've been watching your posts.  Your journey has been interesting and successful!  Please don't fall into the trap of "app euphoria".  Straight to the garden for you.  Save your inqs for times when you really need the credit.  You've got a great group of cards to grow with... Time to start watching your FICO grow.  JMHA.  :smileyhappy:. Best of Luck to you!


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Moderator
Revelate
Posts: 9,640
Registered: ‎12-30-2011
0

Re: Omg Discover.........Apps Spree Continue........


shakalaka wrote:

Wish you luck, but have to "advice" you the same as the others. You did a good job, now hop over to the garden and stay there. You have nice little seedlings to grow. No reason to risk anything.

 

I know it is tempting, esp. if you are in this forum every day. I am on the same path, but stopped after my Zync and Discover. I will both treat them well and they will treat my well also. Amexco is already "increasing" my NPSL by huge steps after 2 months according to the buttom ... so why risk anything?


Fully agree with your advice, somewhat OT question though, what roughly did you start with on your NPSL and where are you at now?  I'm sort of tempted to play with the button myself, put through more this month than what I expected my internal limit to be so now I'm getting curious :smileyhappy:.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Omg Discover.........Apps Spree Continue........

Apps ITCHY!  Lol congrats!

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
0

Re: Omg Discover.........Apps Spree Continue........


Revelate wrote:

shakalaka wrote:

Wish you luck, but have to "advice" you the same as the others. You did a good job, now hop over to the garden and stay there. You have nice little seedlings to grow. No reason to risk anything.

 

I know it is tempting, esp. if you are in this forum every day. I am on the same path, but stopped after my Zync and Discover. I will both treat them well and they will treat my well also. Amexco is already "increasing" my NPSL by huge steps after 2 months according to the buttom ... so why risk anything?


Fully agree with your advice, somewhat OT question though, what roughly did you start with on your NPSL and where are you at now?  I'm sort of tempted to play with the button myself, put through more this month than what I expected my internal limit to be so now I'm getting curious :smileyhappy:.



Second statement cut yesterday. When I activated the card, I had 4K right away. After a verification-three-way-call with my credit union (after an online purchase at Office Depot) on a Saturday Night, it was 5k. Yesterday morning I checked again (before the statement did post), it was 6K. Today I paid online and checked again just for fun and because I have a 3,5 week business/holiday trip to Europe next month (will have some major expenses) ... I was approved for 8K. So 100% more in 2 months. But it could be higher, but I did not try any more. Maybe over the weekend I will try 10k. :smileyvery-happy: But coming from one unsecured and one secured CapOne card and a unsecured from my credit union and with only 8 months history, this is more then satisfying. And a reason to garden for me, because I want my Discover grow and app for a revolver in January (backdating :smileyvery-happy:)

 

Oh and I had 2K on each statement so far.

 

Hope that helps.


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Moderator
Revelate
Posts: 9,640
Registered: ‎12-30-2011
0

Re: Omg Discover.........Apps Spree Continue........


shakalaka wrote:

Revelate wrote:

shakalaka wrote:

Wish you luck, but have to "advice" you the same as the others. You did a good job, now hop over to the garden and stay there. You have nice little seedlings to grow. No reason to risk anything.

 

I know it is tempting, esp. if you are in this forum every day. I am on the same path, but stopped after my Zync and Discover. I will both treat them well and they will treat my well also. Amexco is already "increasing" my NPSL by huge steps after 2 months according to the buttom ... so why risk anything?


Fully agree with your advice, somewhat OT question though, what roughly did you start with on your NPSL and where are you at now?  I'm sort of tempted to play with the button myself, put through more this month than what I expected my internal limit to be so now I'm getting curious :smileyhappy:.



Second statement cut yesterday. When I activated the card, I had 4K right away. After a verification-three-way-call with my credit union (after an online purchase at Office Depot) on a Saturday Night, it was 5k. Yesterday morning I checked again (before the statement did post), it was 6K. Today I paid online and checked again just for fun and because I have a 3,5 week business/holiday trip to Europe next month (will have some major expenses) ... I was approved for 8K. So 100% more in 2 months. But it could be higher, but I did not try any more. Maybe over the weekend I will try 10k. :smileyvery-happy: But coming from one unsecured and one secured CapOne card and a unsecured from my credit union and with only 8 months history, this is more then satisfying. And a reason to garden for me, because I want my Discover grow and app for a revolver in January (backdating :smileyvery-happy:)

 

Oh and I had 2K on each statement so far.

 

Hope that helps.


Heh, thanks.  Apparently had a bit of a funsy with Amex: on the 18th they posted my payment due as 3500 and change, so I paid that, but the actual statement which got generated only was for 50ish bucks as a result of pending charges that cleared that day.  Lesson learned, wait till at least one day has passed before paying the Amex :cattongue:

 

Doesn't seem to matter though other than I'm curious as to how my high balance will report; did a check spending just now, cleared for 7K where before I know I was denied for 5K when I first got the account.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
0

Re: Omg Discover.........Apps Spree Continue........

Nice and I guess the limit will go up for a while, as long as we pay them on time and treat them well.


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Omg Discover.........Apps Spree Continue........

Okay so I called in today and guess what they approvedddddddddddddddd with a $1700 limit start but with different term 3.9 % ApR except 0% for 6 months. Hoorayyyyy now I'm in 5 for 5......that's feeling greattttttttt I love you all.....Should receive my card in about a week from today !!!!!!
Ps: I apply throu the link with $150 cash back after $1000. She said if that's the link I apply for then I should get it and only regular CSR can answer it !!!!! Do anyone had the same issue !!????

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
0

Re: Omg Discover.........Apps Spree Continue........


nicholasyud wrote:
Okay so I called in today and guess what they approvedddddddddddddddd with a $1700 limit start but with different term 3.9 % ApR except 0% for 6 months. Hoorayyyyy now I'm in 5 for 5......that's feeling greattttttttt I love you all.....Should receive my card in about a week from today !!!!!!
Ps: I apply throu the link with $150 cash back after $1000. She said if that's the link I apply for then I should get it and only regular CSR can answer it !!!!! Do anyone had the same issue !!????

You have to ask. If Discover revised the term they may have dropped $150 cashback offer.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Omg Discover.........Apps Spree Continue........

Congrats, now head to the garden! :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13

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