Credit Cards

[NewSurrender]

I bought a new car in July, and while I got a pretty good rate on my auto loan, I ended up with 10+ inquiries on each report. My plan was to garden for a year, but I figured I should apply now and then garden for two years, so that I have no inquiries on any report.

My starting FICO was 740 TU (Not sure of EQ or EX, but should be around the same as all my reports are identical). Here are the results:

Walmart Discover - $5,000 (First 5k limit)

Paypal Extras Mastercard - $3,000

US Bank Flex Perks - $1,500

Barclay's NFL Rewards - $500

Macy's - $500

TJ Maxx Store Card - $400 (I think this was GE telling me to stop applying for their cards)
Citi Forward - Denied (Too many inquiries, was expected)

Time to garden for the next 2 years. By the time I go on my next app spree I should have at least one or two 10k+ limits, preferably the Paypal and Walmart (I already have a JCP card at $4k). I really wanted the Forward, but I'm okay with what I got approved for.

[Swapmeet]

Congrats! Now that's an app spree! NJ and good plan.

[rtw]

Congrats! Sounds like you had a great app spree.

[CreditWorld2013]

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NewSurrender wrote:

I bought a new car in July, and while I got a pretty good rate on my auto loan, I ended up with 10+ inquiries on each report. My plan was to garden for a year, but I figured I should apply now and then garden for two years, so that I have no inquiries on any report.

My starting FICO was 740 TU (Not sure of EQ or EX, but should be around the same as all my reports are identical). Here are the results:

Walmart Discover - $5,000 (First 5k limit)

Paypal Extras Mastercard - $3,000

US Bank Flex Perks - $1,500

Barclay's NFL Rewards - $500

Macy's - $500

TJ Maxx Store Card - $400 (I think this was GE telling me to stop applying for their cards)
Citi Forward - Denied (Too many inquiries, was expected)

Time to garden for the next 2 years. By the time I go on my next app spree I should have at least one or two 10k+ limits, preferably the Paypal and Walmart (I already have a JCP card at $4k). I really wanted the Forward, but I'm okay with what I got approved for.

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Congrats! I would thread carefully now...Don't leave any real balances on any card. Barclays is known to close accounts for the first 6 months of having their card if other accounts report after them.(This is sometimes overated but best to keep in the back of your mind) Also you applied for 3 GE cards. There was a thread not that long ago about someone applying for numerous GE cards around the same time and a few days later they were all closed down. 

Hopefully you fly below the radar. If everything goes smooth they should all grow as GE and Barclays are good with increases. Keep us posted.

[Repo-ed]

lol @ "2 years" - not fooling nobody around here haha

[Epcot]

Congrats on your new accounts. See you in the garden!

[Cadillac-XTS]

Congrats

[Bearclaw]

Not to be rude but why app spree for crappy store cards with virtually no limits? Your score is good (judging from sig) so why not use the hard pulls for prime cards?

[maiden_girl]

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Repo-ed wrote:
lol @ "2 years" - not fooling nobody around here haha

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+1

I thought the same thing too. No one gardens for that long! Maybe like 6 months or so before the app'ing continues. Lol.

CONGRATS on the approvals tho! Don't feel bad about the Citi card. They denied me too for too many inquires...from 2011 when I was auto shopping then they refused to recon. Evil bank.

[EandK23]

Congrats!