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Regular Contributor
Posts: 108
Registered: ‎01-04-2008
0

Re: App Spree Levels

I'm the exact opposite.  I always see posts named "app spree" here and click on it only to find they applied for two cards.  These actually annoy me, because I'm expecting something more substantial.  I like to see numerous cards applied for, the reasons you app'd for each card, approval/denial/limits...actual helpful information for anyone else who might be planning a spree of their own.  Normally it's just a guy who randomly app'd for some card he'd been wanting for a while, and then gets a rush off an approval and apps for the next thing he sees.

 

You see, I'm planning my own app spree in Jan.  It will likely be six cards.  I already made a wish list of cards I want, and each has a specific reason for me getting it.  I narrowed that list down to the exact six I'll app for, but that will of course change over the next couple of months.  I know the sign up bonuses, the terms of each to get the bonus, and how I'll meet those terms.  I know which CR each bank is likely to pull.  I know which order I should do them in based off this and how sensitive they are to Inq's.  I know exactly what my AAoA will be after six new accounts report, including backdating an Amex...which is why I'm waiting until Jan.  I know what all my scores are, and likely will be when I app.  This is a game to me, but one I take seriously.  My credit is something I worked hard to build up.  But it's also something that is wasted if I don't take advantage of the benefits.

 

You are right about something though.  The average consumer doesn't think about this.  My friends think I'm nutty since I can't even carry all my cards in my wallet.  Average consumers don't come and post on credit forums (let alone many different ones like I do).  But this is one of my hobbies.  I enjoy it.  I get great rewards from it.  And Monday Night Football was boring, so...yeah.

Moderator
Posts: 12,952
Registered: ‎04-15-2011
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Re: App Spree Levels

8+ is considered drapping!!!!    You know who you are!   LOL

 

Yup, tonight's game was a snoozer.  Cardinals just sucked.   IMHO


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: App Spree Levels


Shogun wrote:

8+ is considered drapping!!!!    You know who you are!   LOL

 

Yup, tonight's game was a snoozer.  Cardinals just sucked.   IMHO


Good thing I only apped for 5 then :smileyhappy:



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

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Moderator
Posts: 12,952
Registered: ‎04-15-2011
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Re: App Spree Levels


Duncanrr wrote:

Shogun wrote:

8+ is considered drapping!!!!    You know who you are!   LOL

 

Yup, tonight's game was a snoozer.  Cardinals just sucked.   IMHO


Good thing I only apped for 5 then :smileyhappy:


LOL!!!!!   


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: App Spree Levels

2-3 mini app spree

4-6 app spree

+6 damn...

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Regular Contributor
Posts: 211
Registered: ‎08-23-2012
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Re: App Spree Levels

yesterday I watching a show, and saw someone whose last name was DRAPPER hahahaha, guess who I though of?? lmao

Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: App Spree Levels

I've never had a real app spree...ROFL. I usually wait like days/weeks after an app to app again. Usually a denial will stop me.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 2,256
Registered: ‎07-23-2012
0

Re: App Spree Levels

i guess i went on an app spree this summer after a couple approvals. 

jun-august was 5 new cards. 

 

so now i have total of 9 cc so should i cancel 4.5 of those? lol

i am thinking about closing kohls but im not sure yet. 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: App Spree Levels

I'm the exact opposite of the sprees, I can't get myself to app.  :smileysad:


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 2,256
Registered: ‎07-23-2012
0

Re: App Spree Levels


Shogun wrote:

I'm the exact opposite of the sprees, I can't get myself to app.  :smileysad:


well if you want i can app for you :smileywink: a centurion maybe a visa black. 

or even some furniture store cards. 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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