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Frequent Contributor
Posts: 274
Registered: ‎10-05-2012
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$72,400 in App Spree on 3-13-13, 7 accounts

To the members of the Forum…

A few of you have looked at my posts in the past and provided input and I thank you. 

With all I have learned in the past 6 months here.  Here are my MyFICO stats.

Total Page Views


Total Messages Read


Topics Started




Blog Articles Posted


Blog Comments Posted


Total Forum Views


Total Logins


Total Minutes Online

21947 = 365 hours


So, I did my first ever APP Spree on 3-13-13.  I kind of liked 3-13-13 format. All done with in one hour.

Here is what I did.

Pen Fed Cash Rewards Visa.  Instant Approval of 19k, EQ Inq.

Pen Fed Personal LOC asked for 25k, Counter offered 20k, accepted, same EQ Inq.

Citi Hilton Honors, Got message, called in and verify a bit of info, Approved 15k, EX Inq.

Sams Club Discover, Got email approved, called in 1.5k credit recon to 3k, TU Inq.

Chase Prioirty Club, called in automated status Approved, 8.4k, EX Inq.

Amex Hilton Surpass, Instant Approval, only 2k, but maybe 61day 3X,  EX Inq.

B of A Hawaii Visa, Approved 5k, but 2 HP’s one on TU Inq, 1 on EX Inq.


But, add them, 7 accounts approved in a matter of a few days, total CL of $72,400


Took 4 Exp Inq. 1 EQ Inq, and 2 TU Inq.


After the two Inq on TU, I had 0 prior, MyFICO TU is 784, UTL is 7%, one account w/ bal.

After the one Inq on EQ, I had 4 prior, MyFICO EQ is 774, UTL is 7%, one account w/ bal.


After the four Inq on EX, I had 9 prior in last 12 months (so now 13) My Experian Score is 742.

Smart Credit has me at 776, with the 2 new Inq on TU

Credit Karma has me at 747 with the 2 new Inq on TU


Now I will wait to see the damage in all these new accounts reporting.  The only great thing is the Amex Hilton Honors will be backdated 22+ years and that will save my AAoA and make it about 3.3 years.


Total available credit line is an eye popping $ 144,350.00


My income is $104,000 per year.


I never thought it was possible. I owe it all to this Forum.


I would happy to provide other app stats if somebody wants.


There is really nothing else I can do or want to do at this time.  I am in the Garden for a long long long time.


I am going to nurse the lines along and have positive history for a long time.


I will now have a total of 19 accounts(2 of are LOC), which is too many to start with.


I have one paid in full auto loan back in 2006 and one current auto loan that is almost 50% paid off.


I am speechless................................



About 400k in Credit Lines
CSP 29.9k, Citi DP 42.5k, Chase Marriott 12k, Chase IHG 6.5k, Sams MC 20k, Amex Hilton Surpass 356k, Hawaii Air 26k, Discover More 50k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 43.8k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 43.7k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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Re: $72,400 in App Spree on 3-13-13, 7 accounts


Time to hit the garden!!!

EQ FICO 548 3/3/16
Super Contributor
Posts: 31,000
Registered: ‎02-07-2013
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Re: $72,400 in App Spree on 3-13-13, 7 accounts


Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Senior Contributor
Posts: 7,735
Registered: ‎01-05-2013
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Re: $72,400 in App Spree on 3-13-13, 7 accounts

WOW! That's pretty impressive.   Use them wisely.

Regular Contributor
Posts: 129
Registered: ‎01-11-2013
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Re: $72,400 in App Spree on 3-13-13, 7 accounts

So wanna be you right now!  Awesome & Inspiring!

11/2011 FICO .................TU 672 ...........EQ 654........... EX 649
03/2015 FICO; .. TU 710.... EQ 721 ....,,,,.EX 722

Cap1 6850, Discover 17,600, WM Discover 6000, Chase 2500, Citi Simplicity 2600, Citi Dbl Cash 2,600, Home Dpt 500, VS 1200
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: $72,400 in App Spree on 3-13-13, 7 accounts

Established Contributor
Posts: 726
Registered: ‎05-12-2012
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Re: $72,400 in App Spree on 3-13-13, 7 accounts

That's extremely impressive. Super Congrats!

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Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
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Re: $72,400 in App Spree on 3-13-13, 7 accounts

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 955
Registered: ‎02-02-2013
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Re: $72,400 in App Spree on 3-13-13, 7 accounts

Very nice indeed!!  Congratulations!!!


Smiley Happy

NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Established Contributor
Posts: 586
Registered: ‎02-22-2011
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Re: $72,400 in App Spree on 3-13-13, 7 accounts

wow...thats all I gotta say, is WOW.


Congrats. I WISH I had credit lines like those...and the income Smiley Happy lol

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k

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