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Frequent Contributor
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Registered: ‎02-01-2013
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Re: Successful App Spree (9 straight approvals)

Hollaaaaaa. Nice job! 22 years old and doing it!
PenFed AMEX: $5500 | AMEX BCE: $8300 | AMEX E: $5000 | BofA BBR: $5000 | Discover It: $6500 | CSP: $11500 | CF: $5500 | Citi DIVIDEND: $5700 | CITI TYP: $4600 | BofA CR: $7500 | CAP ONE Q: $3000 |

TU: 722 / EX: 763 / EQ: 735
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Registered: ‎02-27-2013
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Re: Successful App Spree (9 straight approvals)

Grats!
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
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Registered: ‎01-19-2009
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Re: Successful App Spree (8 approvals / 1 pending)


GMCSierraDenali wrote:

09Lexie wrote:
Congrats! Have you calculated your AAOA? I'm curious to know what affect that many accounts opened at once affects credit scores? Would you mind letting us know once they all hit your reports?

Thanks ! Not yet. I will for sure update this thread once I know a solid age. I don't look forward to seeing what my new AAoa is, :smileyfrustrated:.

 

But I'll be fine since I'm only 22. If I keep all of these new prime cards in good standing, by the time I'm in my 30's I'll have 7+ years of history with them, :smileyvery-happy:.


Wow awesome cards at 22 congrats

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Re: Successful App Spree (9 straight approvals)


distantarray wrote:

Tiger777 wrote:

Congrats, but  why do you need 3 Amex Card, and Barclay is notorious for AA when they find out too many new account. Good luck


questions is why do you need more than 2-3 credit cards in total? You don't, but they're like Pokemon you gotta collect them all =)

 

in all seriousness.

 

1. sign up bonuses

2. cause he can

3. backdating possibility he did state 1 AU account

4. cause Amex brings all the girls to the yard , they're like it's better than yours (discover)


I laughed at the two parts I bolded, I 100% agree ! :smileylol: When I was in middle school I would collect every single card I could possibly put my hands on & I had no real reason why. Wasted too much of my money from working @ the grocery store on them & wasted so much time trading them but it was good times !

      

      

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Re: Successful App Spree (9 straight approvals)


GMCSierraDenali wrote:

distantarray wrote:

Tiger777 wrote:

Congrats, but  why do you need 3 Amex Card, and Barclay is notorious for AA when they find out too many new account. Good luck


questions is why do you need more than 2-3 credit cards in total? You don't, but they're like Pokemon you gotta collect them all =)

 

in all seriousness.

 

1. sign up bonuses

2. cause he can

3. backdating possibility he did state 1 AU account

4. cause Amex brings all the girls to the yard , they're like it's better than yours (discover)


I laughed at the two parts I bolded, I 100% agree ! :smileylol: When I was in middle school I would collect every single card I could possibly put my hands on & I had no real reason why. Wasted too much of my money from working @ the grocery store on them & wasted so much time trading them but it was good times !


Congrats on all your approvals OP!!! Wow, great job and results!!! I like the Pokemon analogy! Hilarious!

Cards: (Chase x7) (Citi x6) (Amex x5) (BofA x3) (US Bank x4) (Barclays x4) (WF x3) (Cap1 x3) (Synch x3) (Penfed x2) ( Macys Amex) (Discover, Nasa ,Diners x1)





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Re: Successful App Spree (9 straight approvals)

Congrats!  That's quite a stack of new cards.  Look like you will be doing a lot of swipes.  Enjoy!

Frequent Contributor
Posts: 395
Registered: ‎01-27-2012
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Re: Successful App Spree (9 straight approvals)

Congrats! You're doing pretty good for your age! :smileyhappy:

Money Never Sleeps! ~CL $253,600 .FIC, Amex $10,000
03/05/14: EX 777 EQ 768 TU 765: Beaver Card $20.000: Barclaycard Arrival World MasterCard $20,000 Lowe's Business Amex $3,000
Amex Blue Sky $24,500: Amex Premier Rewards Gold :NPSL: Amex Costco $7000:Chase Freedom $5,000: Home Depot $8,700 Discover IT $7.000 :Citi Thank you Card $16,500: Citi Simplicity $11,500: Chase Sapphire $31,200 :smileyfrustrated:am's Club M/C $19,000 :Cap1 World MC $8500 :Vibe,Credit Union $16,000 :Walmart M/C $14,000
Macy's AMEX $10,000 Macy's Store Card $2500. Alliant C/U 15000
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Posts: 1,339
Registered: ‎09-11-2012
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Re: Successful App Spree (9 straight approvals)


GMCSierraDenali wrote:

Just applied for the following credit cards (in this order):

 

Alaska Airlines Visa Signature - Instantly Approved - $5,000 credit limit

 

Chase Sapphire Preferred - Instantly Approved - $5,000 credit limit

 

American Express Blue Cash Preferred - Insantly Approved - $2,000 credit limit

 

Chase Freedom - Approved via Recon - $4,000 credit limit

 

  - Got the, "Decision Pending," screen. Called backdoor (1 888 270-2127). Answered some questions (job, income, credit history, why do I want this card if I already got approved for the CSP, etc. Pretty nice & helpful guy that helped me. Took like 10 minutes.

 

Citi Diamond Preferred - Approved via Recon - $2,000 credit limit 

 

 - I was instantly declined. This really confused me to be honest, so I called a frontline CSR & asked for a reason for my denial. They told me to look at my online Citi documents (I have a Forward card w/them) in an hour or so. Read the document, denied me because of my low EQ credit score (642?). That didn't sound right at all because my FICO EQ as of last night was 750. Then i noticed the 642 was my score in January & they based my application off a two month old report. So I researached on here for a reliable Citi backdoor number & found the number for Citi's Reponse Unit. A nice guy picked up & then transferred me to Citi's Executive Office. Got this pretty helpful lady who was equally confused as I why their system was using two month old information. She even gave me her direct number & told me she will be going over my application with a credit analyst & get back to me next week. Asked for my permission to do a hard pull so of course I said yes. Interesting. EDIT (4/2/13): Got a voicemail saying I was approved after they re-evaluated my application. 

 

American Express Premiere Rewards Gold - Instantly Approved - NPSL

 

American Express Starwoods Preferred Guest - Approved after BCP & PRG approvals were processed - $2,000 credit limit

 

 - After I submitted the application, I quickly got the, "Please Call Us," screen. Called the # they gave me & had a hard time understanding this CSR (accent) but she basically told me since I just got approved for two of their cards, the third application will be processed three business days after my second card is finalized. I thought ok so I called AMEX's Executive Office & a really helpful guy basically told me the same thing but more detailed. He said they would call me after a few business days. EDIT (3/30/13): Got an e-mail saying I was approved for the SPG.

 

Barclaycard Ring - Approved via Recon - $2,500 credit limit

 

 - Got the, "Decision Pending," screen. Called backdoor (1 866 408-4064). Answered a few basic questions again (job, income, etc.). A really cool guy helped me. Took about 15 minutes.

 

Merrill Lynch + Visa Signature  - Instantly Approved - $5,000 credit limit

 

I also PC'd my Discover More to DiscoverIT.

 

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Background info the night before the spree (for reference):

 

Credit Scores: EQ 750 (FICO), EX 688 (FAKO), TU 715 (FAKO)

AAoA: 2 years & 11 months

Oldest AoA: 9 years & 3 months

Total Utiliziation: 7% ($1,428 balance on $20,050 total credit limit)

Credit Cards: 12 (11 self & 1 AU / 6 major & 5 retail)

Negatives: None at all

Other: $35,000 income, no mortgage (only 22), no auto loans (paid off), & no student loans (scholarships)

 

If you want more in-depth background info on my credit profile before the spree: http://i46.tinypic.com/2co3e34.jpg

 

Other than my AAoA about to take a major hit & my scores about to dip, I'm more annoyed at why Citi was basing my March application from my January credit report. A lot can happen in two months. I don't even care if I get approved at this point, if they're going to deny me I want them to deny me because of my March report & not because of two month old information. Lol. But anyways, thought I'd share my app spree results for those needing something for reference.

 

If you're curious how I will meet the spending requirements for the bonuses: http://ficoforums.myfico.com/t5/Credit-Cards/Successful-App-Spree-8-approvals-1-pending-UPDATED-3-29...

 

------------------------------------------------------------------------------------------------------------------------------------------------

UPDATE 3/30/13 - Approved for the American Express SPG. So now make that 8 approvals & 1 pending. http://ficoforums.myfico.com/t5/Credit-Cards/Successful-App-Spree-7-approvals-2-pending/m-p/2010181#...

 

UPDATE 4/2/13 - Approved for the Citi Diamond Preferred. 9 straight approvals ! http://ficoforums.myfico.com/t5/Credit-Cards/Successful-App-Spree-8-approvals-1-pending/m-p/2020613#...


:smileysurprised: OMG, that is PRO!

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Frequent Contributor
Posts: 252
Registered: ‎02-19-2013
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Re: Successful App Spree (9 straight approvals)


2011beginnings wrote:
Hollaaaaaa. Nice job! 22 years old and doing it!

enharu wrote:
Grats!

john398 wrote:

Wow awesome cards at 22 congrats



FocusedAndDetermined wrote:

Congrats!  That's quite a stack of new cards.  Look like you will be doing a lot of swipes.  Enjoy!



Express wrote:

Congrats! You're doing pretty good for your age! :smileyhappy:


 

Thanks a lot guys ! Trying to set the foundation early for my future ! Was never really the type to be tempted by CC's or carry unnecessary debt so unless the Depression happens again (knock on wood) I think I should be good to go, :smileyhappy:. Another cool thing is that as long as no other awesome cards come out until I graduate I'll have 0 inquiries by the time I'm finished with school, :smileylol:.

      

      

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Re: Successful App Spree (9 straight approvals)


armbenderc wrote:

:smileysurprised: OMG, that is PRO!


 Couldn't have done it without the community on this forum ! This place is seriously a wealth of knowledge & made me realize everything I was doing wrong this whole time.

      

      

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