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Valued Member
civilitermortuse
Posts: 46
Registered: ‎04-16-2012

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!

 

 

 

 

 

 

Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

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.
Established Contributor
rtw
Posts: 795
Registered: ‎05-01-2012

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: 709 (PSECU 04/05/14) 703 (my FICO 04/14/14) TU: 724(04/14/14) EQ: 676 (04/14/14)
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 | 4.1K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Valued Member
civilitermortuse
Posts: 46
Registered: ‎04-16-2012

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.

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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???

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
2011beginnings
Posts: 286
Registered: ‎02-01-2013

Re: App Spree Results!

Congrats on the app spree. Sorry about the declines.
PenFed AMEX: $5500 | AMEX BCE: $6000 | BofA BBR: $5000 | Discover It: $3000 | CS: $5000 | CSP: $5000 | Citi Dividend Platinum Select: $4300 | BofA CR: $7500

TU: 722 / EX: 763 / EQ: 735
Valued Contributor
Repo-ed
Posts: 2,949
Registered: ‎02-09-2012

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

Frequent Contributor
racer-x
Posts: 329
Registered: ‎09-16-2012

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?


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 687 DicoverTU 705 myFico EX 738
Goal Score: 750

US Bank PLOC-$15K, CSP-$15k, Chs Freedom-$6k, CapOne/HSBC Visa-$15k, US Bank Visa- $10k, DCU Visa-$10k, Paypal Xtras MC-$15k, USAA MC-$6k, Lowes-$8600, CapOne Visa-$10k, Discover IT-$12.9K, BoA Visa-$10.1K, Walmart -$4k, GECU Visa-$3500, US RLOC-$750

Take the FICO Fitness Challenge
Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012

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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Valued Contributor
Epcot
Posts: 2,760
Registered: ‎10-10-2012

Re: App Spree Results!

Congrats on the nice spree.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 780 EX 770 TU 774
App free since 4/11/13

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