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App Spree Results!

Valued Member

App Spree Results!

So I did a small app spree and here are my results.

 

CSP - Decline - Too High Utilization according to the rep

AMEX - BCP - Decline -Too High Utilization according to the rep

 

AMEX - PRG - Approved - NPSL

NFCU - Visa Sig Cash - Approved - 10k

NFCU - Navcheck - Approved - 5k

 

Discover IT - Approved 1k

Walmart Store Card - Approved - $900

DCCU LOC - Approved 1.5k

Banana Republic Store Card - Approved $400.00

 

How soon before I should ask for a CLI do you think? 

 

No Baddies, High Utilization (45%), my cards didn't post new balance and I was  ready to app lol.  So I did, but next month UTIL will be around 1%.

 

Thanks Guys for all the info and help!

 

 

 

 

 

 

Message 1 of 17
16 REPLIES
Established Contributor

Re: App Spree Results!

FICO?

 

and history?

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 2 of 17
Established Contributor

Re: App Spree Results!

Congrats on a successful spree!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 3 of 17
Valued Member

Re: App Spree Results!


zerobacan wrote:

FICO?

 

and history?


Fico - EQ - 620

Fako Exp - 640

Fako TU - 670

 

Only open accounts 3 Cap 1 - Total 8k CL

 

Thats it, nothing else! 0 Inquiries at the time.

 

Utilization was very high.

Message 4 of 17
Mega Contributor

Re: App Spree Results!


civilitermortuse wrote:

zerobacan wrote:

FICO?

 

and history?


Fico - EQ - 620

Fako Exp - 640

Fako TU - 670

 

Only open accounts 3 Cap 1 - Total 8k CL

 

Thats it, nothing else! 0 Inquiries at the time.

 

Utilization was very high.


CONGRATS on your approvals but why would you app for so many cards with very high util???

 




EQ FICO 548 3/3/16
Message 5 of 17
Frequent Contributor

Re: App Spree Results!

Congrats on the app spree. Sorry about the declines.
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
Message 6 of 17
Valued Contributor

Re: App Spree Results!


LS2982 wrote:

civilitermortuse wrote:

zerobacan wrote:

FICO?

 

and history?


Fico - EQ - 620

Fako Exp - 640

Fako TU - 670

 

Only open accounts 3 Cap 1 - Total 8k CL

 

Thats it, nothing else! 0 Inquiries at the time.

 

Utilization was very high.


CONGRATS on your approvals but why would you app for so many cards with very high util???

 


To go deeper into debt

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 7 of 17
Valued Contributor

Re: App Spree Results!

.....and, it seems that if he has planned on getting his utilization down to 1% in the next month, why app now?  Why not wait to app and maybe there would not have been any declines and most likely could have gotten higher CL's?

Message 8 of 17
Established Contributor

Re: App Spree Results!


racer-x wrote:

.....and, it seems that if he has planned on getting his utilization down to 1% in the next month, why app now?  Why not wait to app and maybe there would not have been any declines and most likely could have gotten higher CL's?


+1 for sure... But none the less, congrats on the approvals!


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Message 9 of 17
Valued Contributor

Re: App Spree Results!

Congrats on the nice spree.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 10 of 17