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Valued Member
Posts: 46
Registered: ‎04-16-2012
0

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
Posts: 727
Registered: ‎01-13-2013
0

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
Posts: 797
Registered: ‎05-01-2012
0

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
Valued Member
Posts: 46
Registered: ‎04-16-2012
0

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
Posts: 15,446
Registered: ‎04-09-2011
0

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
Frequent Contributor
Posts: 337
Registered: ‎02-01-2013
0

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
Valued Contributor
Posts: 3,001
Registered: ‎02-09-2012
0

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+ scores across the board
Get those baddies removed!!!
Valued Contributor
Posts: 1,054
Registered: ‎09-16-2012
0

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?

Established Contributor
Posts: 726
Registered: ‎05-12-2012
0

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
Posts: 2,802
Registered: ‎10-10-2012
0

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

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