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

Re: App Spree Results!


Repo-ed wrote:

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


If you would have read the post, notice that it said my accounts didn't update until after they hit my reports.  I didn't feel like waiting thats all.  Going into debt is the last worry on my mind I assure you.

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

Re: App Spree Results!

[ Edited ]

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?


As I stated, was not interested in waiting another month before getting more prime cards, I have no negatives so I went for it. 

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

Re: App Spree Results!


Epcot wrote:
Congrats on the nice spree.

Thanks, for the congrats,

 

For a minute there I thought people were assuming that I  did my app spree while using their credit...   I put this information up not to be judged on timing but to help others who might have scores in my range to know they can app and get approved.


Thanks,

Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012

Re: App Spree Results!

No worries man.  I just thought the rule of thumb was to do an app spree when your chances of approvals and big CL's are at their highest.  Having a low utilization is a HUGE factor in achieving that.

 

My point was, it just seems that you would have been better served to wait 30 days.  In essence, you may have set yourself back a year to get CL's and approvals that you may have gotten had you waited a mere 30 days.

 

I too, am just trying to put good info out there for those on the fence of an app spree.

 

BTW, congrats on what you got.


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

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Moderator
09Lexie
Posts: 24,440
Registered: ‎09-13-2012

Re: App Spree Results!

Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: App Spree Results!

Congrats!!
Perhaps if you reports update soon, you could send a copy to Amex and have them "recon" you for the revolver!!:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012

Re: App Spree Results!

Congrats on the approvals! Pretty sure you would of been approved for the declines if your util was lower.

 

Nonetheless congrats! 

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