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

Established Member

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

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!

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

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

Call back tomorrow and recon that Freedom again
Congrats on increases!


CHASE FREEDOM 30K; CITI PREMIER 12.9K; CITIAA 8.2K; DISCOVER 16.5K; BOFA 35K; CABELA 10K; ARRIVAL 22.5K; USAA 3K; CSP 20K; PenFed 5K
Super Contributor

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


cottontop wrote:
Call back tomorrow and recon that Freedom again
Congrats on increases!

+1 

Congrats recon hit the garden for an extended staySmiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor

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!

I don't think you have anything to feel guilty about. You doubled your CL, and 4 HP is not the worst I've seen on here by far...Smiley Wink

 photo Logo - Credit Card Collection - Data Inclusive_zpskiw5xfjj.jpg photo emerald_zpsfitcxbh5.jpg
Established Member

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

Do you think it's worth it to Recon the Chase Freedom? How do I recon? Is there a backdoor number?

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

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


Genecio wrote:
Do you think it's worth it to Recon the Chase Freedom? How do I recon? Is there a backdoor number?

Always worth a recon search the backdoor thread at top of page good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Member

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

Thanks, let's hope my recon is successful. I have nothing to lose, the HP has already been done, lol!

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

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

Thanks. I'm going to take OP advice and recon the Chase Freedom and definitely garden to at least Gold Spade level.

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

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


Genecio wrote:
Thanks, let's hope my recon is successful. I have nothing to lose, the HP has already been done, lol!

You got it 

go for it 

Fingers crossed 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Contributor

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

Let us know how it goes w recon!!


CHASE FREEDOM 30K; CITI PREMIER 12.9K; CITIAA 8.2K; DISCOVER 16.5K; BOFA 35K; CABELA 10K; ARRIVAL 22.5K; USAA 3K; CSP 20K; PenFed 5K