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Contributor
NewSurrender
Posts: 81
Registered: ‎05-06-2012

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.

 

Valued Contributor
Swapmeet
Posts: 1,307
Registered: ‎11-10-2012

Re: App Spree results.

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

My Wallet: WalMart: ||13.5k|| USAA Platinum MC: ||13k|| Amex Delta Gold: ||2k||; BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||11k|| USAA World MC: ||13k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 760 (SW),TU 757 (Walmart), EX 738 (myfico) Last app: Arrival World MC 2-1-14
Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012

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) 698 (my FICO 07/08/14) TU: 693(07/08/14) 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
Frequent Contributor
CreditWorld2013
Posts: 346
Registered: ‎02-01-2012

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.

Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012

Re: App Spree results.

lol @ "2 years" - not fooling nobody around here haha
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

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 809 EX 774 TU 805
App free since 4/11/13
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: App Spree results.

Congrats

Established Member
Bearclaw
Posts: 22
Registered: ‎12-02-2012

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?
Valued Contributor
maiden_girl
Posts: 2,004
Registered: ‎12-29-2011

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.

 

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Regular Contributor
EandK23
Posts: 178
Registered: ‎09-12-2012

Re: App Spree results.

Congrats!

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