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App Spree results.

Contributor

App Spree results.

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.

 

Message 1 of 11
10 REPLIES
Valued Contributor

Re: App Spree results.

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



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 2 of 11
Established Contributor

Re: App Spree results.

Congrats! Sounds like you had a great app 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
Message 3 of 11
Frequent Contributor

Re: App Spree results.


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.

 


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.

Message 4 of 11
Valued Contributor

Re: App Spree results.

lol @ "2 years" - not fooling nobody around here haha
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 5 of 11
Valued Contributor

Re: App Spree results.

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

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 6 of 11
Established Contributor

Re: App Spree results.

Congrats

Message 7 of 11
Established Member

Re: App Spree results.

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?
Message 8 of 11
Valued Contributor

Re: App Spree results.


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

+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.

 

As of 2017, rebuilding...
Message 9 of 11
Highlighted
Regular Contributor

Re: App Spree results.

Congrats!
Message 10 of 11