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Established Member
Genecio
Posts: 23
Registered: ‎04-15-2012
0

Re: App Spree in order to increase total credit lines, now time to garden!

Thanks, I ended up calling Lending services again to move another 1K to Freedom so I would end up with the same result I hoped for from jump, now Freedom is 2K and Slate is 3K. I still have 0% on Slate till Jan 23rd, 2014. Not sure if I got an into APR on the Freedom, will update once I get the welcome kit/card. It's gonna feel good to be in the garden with my new seedlings.

Experian 715 (09/04/2013), T/U 706 (12/05/2013), Equifax 743 (12/05/2013).
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: App Spree in order to increase total credit lines, now time to garden!


Genecio wrote:
Let me start by saying that I know everyone's situation is different but I think it will pay off for me in the end.
So yesterday May 1st 2013, I decided to go on an app spree to increase total credit limits.

Here are my cards before the spree:
Barclays Rewards Visa: $2000
PayPal Extras Master Card: $3000
Amex Blue Cash Everyday: $1000
Chase Slate: $2000
Discover IT: $1600
Amex Gold (PRG): No Preset Spending
Amex Zync: No Preset Spending
Total Revolving: $9600 + the two Amex Charge cards

Here are my cards and limits after the spree and some HPs.
Barclays Visa: $3000
PayPal Extras MC: $5000
Amex BCE: $1000 (No Change)
Chase Slate: $5000
Discover IT: $2100
Municipal Credit Union (NY) Gold Visa: $5000>>>>>New Card
Amex PRG: NPSL
Amex Zync: NPSL
Total Revolving: $21,100 + 2 Amex Charge Cards

I took 1 Hard Pull from GE(Paypal Extras MC) on TU
1 HP from Municipal on Experian
1 HP from Barclays on Experian
2 HP from Chase on Experian ( App for Chase freedom got Declined so asked for a CLI on my Slate and got approved).

I did this all on May 1st, 2013. Now it's time to do so MAJOR gardening!
I effectively increased my revolving lines by a little more that 2x total.

Now I feel happy yet guilty! Lets hope Amex or Barclays doesn't FR me or close my accounts! SMDH!
I've been a bad boy!

CONGRATS!!!!




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
Established Member
Genecio
Posts: 23
Registered: ‎04-15-2012
0

Re: App Spree in order to increase total credit lines, now time to garden!

Thanks.

Experian 715 (09/04/2013), T/U 706 (12/05/2013), Equifax 743 (12/05/2013).
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: App Spree in order to increase total credit lines, now time to garden!

Congrats!
That's a pretty decent limit on Slate.
It's supposed to be a bt card, but ive not seen many decent limit approvals!
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 $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Member
Genecio
Posts: 23
Registered: ‎04-15-2012
0

Re: App Spree in order to increase total credit lines, now time to garden!

UPDATE: I just received my Chase Freedom and it does include the 15 month introduction 0% APR.  Also I bit the bullet and apped for Citi Simplcity and got DENIED, but they had the nerve to send me an invitation to apply for Citi Dividend Platinum Select Visa.   Like **bleep**! SMDH!


Experian 715 (09/04/2013), T/U 706 (12/05/2013), Equifax 743 (12/05/2013).

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