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Successful App Spree (10 straight approvals)

Moderator Emerita

Re: Successful App Spree (10 straight approvals)

GMCSierra.....I'm looking for you in the Garden!

You don't want me to trigger that ankle monitor, do you? Lol
Message 101 of 109
Valued Contributor

Re: Successful App Spree (10 straight approvals)

One question : with your income and the number of cards you got, how are you going to spend enough to get the bonuses? Sounds like trouble to me. Edit: ignore, just saw your earlier response.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 102 of 109
Frequent Contributor

Re: Successful App Spree (10 straight approvals)

Thanks to my lovely peers on this forum - I have been kidnapped, tagged with ankle monitors, & am now officially checked into the garden. Let the seeding begin ! Smiley Very Happy

   Total CL: $177,300
 Highest CL: $10,000
  Average CL: $6,300
 Total PLOC: $26,000
     AAoA: 3 yrs & 11 mos
         Utilization: 7%
Inq: 11 (EQ) | 10 (TU) | 9 (EX)
         Derogatories: 0
         
Message 103 of 109
Moderator Emerita

Re: Successful App Spree (10 straight approvals)

Thank you for picking up your seedling! Did not want to initiate that alarm!
Message 104 of 109
Frequent Contributor

Re: Successful App Spree (10 straight approvals)


Layered wrote:

Congratulations on 10 straight approvals!

 

To be honest though, I think you should've gardened a few more years before applying because you didn't get more than $5,000 as CL on any of the new cards. From my experience, when you start with a high CL (with a solid credit history), issuers are more likely to give you much higher CL later on. If you don't mind me asking, what's the highest credit limit you have on one card right now?

 

I also went on a crazy spree recently; credit card app + credit limit increase spree! I'm trying not to spoil anything here so keep an eye out for my thread Smiley Happy

 


The highest CL I have right now is $5,500 with CapitalOne. Ideally i wanted to wait but I was just too tempted ! Lol.

 

I'm only 22 anyways so by the time I'm in my 30's all of these CL's will hopefully grow over time & my AAoA should be around 10 years by then, Smiley Happy. The most recent CC I got from my CU with the 6.75% APR should grow pretty fast as well. They wanted to give me a higher limit than the $2,000 they gave me but the inquiries kind of scared them. They thought I was in some financial trouble which is understandable. But no more hard pulls for me since I'm firmly planted in the garden !

   Total CL: $177,300
 Highest CL: $10,000
  Average CL: $6,300
 Total PLOC: $26,000
     AAoA: 3 yrs & 11 mos
         Utilization: 7%
Inq: 11 (EQ) | 10 (TU) | 9 (EX)
         Derogatories: 0
         
Message 105 of 109
Frequent Contributor

Re: Successful App Spree (10 straight approvals)


VirusCredit13 wrote:

Wow got the barclay's ring with only 30k income. Only reason I haven't applied to it is because I heard you need a good income and proof of it in order to get that card.


I heard that they want to see a decent-sized income (> $45,000) to be approved for it, but since I had almost three years perfect history with them with my Barclaycard Apple & a 750+ TU score, I was feeling lucky. Recon with Barclay was relatively easy, it felt like i was just applying for it again versus trying to convince them to approve me.

   Total CL: $177,300
 Highest CL: $10,000
  Average CL: $6,300
 Total PLOC: $26,000
     AAoA: 3 yrs & 11 mos
         Utilization: 7%
Inq: 11 (EQ) | 10 (TU) | 9 (EX)
         Derogatories: 0
         
Message 106 of 109
Frequent Contributor

Re: Successful App Spree (10 straight approvals)


09Lexie wrote:
Thank you for picking up your seedling! Did not want to initiate that alarm!

No need to alert the myFICO Response Team on me ! Smiley Very Happy

   Total CL: $177,300
 Highest CL: $10,000
  Average CL: $6,300
 Total PLOC: $26,000
     AAoA: 3 yrs & 11 mos
         Utilization: 7%
Inq: 11 (EQ) | 10 (TU) | 9 (EX)
         Derogatories: 0
         
Message 107 of 109
Moderator Emerita

Re: Successful App Spree (10 straight approvals)

Message 108 of 109
Frequent Contributor

Re: Successful App Spree (10 straight approvals)

Beep, beep.  I am here to escort you to the garden.  Congrats on the approvals, btw. 


Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Message 109 of 109