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New Member
Posts: 2
Registered: ‎06-27-2012

App Spree Results (Establishing Credit/Limited History)

[ Edited ]

About me: mid 20s, only 1 secured CC which I opened November 2011 with Wells Fargo. First month reported is December 2011 so it's been reporting for 7 months. No other credit aside from that. Limit is $4,000 and balance of $900. I don't know my FICO scores yet.


1) American Express Zync - approved NPSL

2) Wells Fargo Visa unsecured - declined (even asked for reconsideration because I bank with them; no go)

3) Discover More $2K Limit approved

4) Bloomingdale's declined (insufficient history)

5) Associated Bank Visa (via Elan) $6K Limit approved (originally $1K but I asked for recon after finding out approval)

6) Chase Freedom - initially declined but after reconsideration they approved me with a $500 limit.


Thought I'd share my app spree experience for those like me who have limited credit history.


I guess it's time to garden!




Amex Zync (06/12) | Discover More $2K (06/12) | Associated Bank Visa via Elan $6K (06/12) | Chase $500 (06/12) | Wells Fargo Visa $4K (11/11)

Quizzle Score (Experian): 673 [06/28/2012]
Established Contributor
Posts: 541
Registered: ‎12-02-2011

Re: App Spree Results (Establishing Credit/Limited History)

Nice start!

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

Re: App Spree Results (Establishing Credit/Limited History)

youve got some great cards now. i would be a little irretated that wells fargo didnt approve me seeing they have 4,000 of my own money

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
Moderator Emeritus
Posts: 13,355
Registered: ‎12-30-2011

Re: App Spree Results (Establishing Credit/Limited History)

rootpooty wrote:

youve got some great cards now. i would be a little irretated that wells fargo didnt approve me seeing they have 4,000 of my own money

Nah, this one's expected for so many reasons regarding secured cards, not the least of which WF is pretty conservative Smiley Wink


The Amex / Discover / Chase approvals though are completely excellent, congrats OP!


Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)

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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

Re: App Spree Results (Establishing Credit/Limited History)

That is great... so much nicer to see people get started with nice limits by using a secured card with a hefty deposit... Otherwise you might be stuck with limits less than 1k for 2 yrs or more.


I think you've done nicely!  we have a seat waiting for you in the garden club if you're so inclined Smiley Happy

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!

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Frequent Contributor
Posts: 344
Registered: ‎10-25-2011

Re: App Spree Results (Establishing Credit/Limited History)

Congrats! Wells Fargo always decline me too, even though I bank with them and have over 50K in their money market account! Seriously considering transferring my business to USAA and NFCU.

New Contributor
Posts: 63
Registered: ‎08-07-2012

Re: App Spree Results (Establishing Credit/Limited History)

That's great same thing with me they offered me an opened credit line which they screwed up on declining me for another persons report then resubmitted that and a wells Fargo unsecured which was due at their 1yr.mark of my secured 300-to 1000 credit line which they - Declined it has 0balance as well as the vs card I got at same time and raised by 500 dollars ..... So I called---- they said I had not enough money in my bank this and that with the 1000 I have I will get my credit lines I put my 1000 to establish for and pull out the 1000 immediately as my holder for my other venture I have to invest in . I'll leave it opened to my advantage of course but I am not a very happy camper with them lucky for them their name looks good on my cards or I'd start doing this with chase as I bank with them as well. Smiley Sad crancky but got 5000 on GE and seeing about gold Amex as they stopped recieving anymore zync new accounts and the barclays ring master card as well as some type of store cards to finalize my mix of credit lines to begin history for mortgage stuff to begin to kick in ... Thinking of barclays apple bloomingdales Amex or pottery barn kids , not sure yet I also like the Sony card and the abercrombie am a big fan of their clothing.????Smiley Wink
Regular Contributor
Posts: 241
Registered: ‎12-04-2009

Re: App Spree Results (Establishing Credit/Limited History)

Congrats on the new Credit Lines

Starting Score: EQ 548 [ Feb 2010 ]
Current Score: TU 663 EQ 686
Goal Score: 700

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Established Contributor
Posts: 653
Registered: ‎01-31-2013

Re: App Spree Results (Establishing Credit/Limited History)

ready13, you may want to check out the dates on posts before replying.  Smiley Wink

FICO Scores 800+

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