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New Member
openloop
Posts: 5
Registered: ‎11-14-2012

App Spree...

I was introduced to the myfico forums a month ago and I am glad for that. The information is really useful and all the board members are helpful and friendly. I want to thank you all for my successful app spree.

 

On to my story... I have a limited credit history. No baddies... perfect payments. Before the app spree, I had capital one visa (CL $750) for about a year. I found the card too limiting. I requested for CLI couple of times and was denied. I got frustrated and decided to apply for new credit cards. I wasn't too confident to start with because of my limited credit history. Anyway I tried for discover more and was pleasently surprised with the approval. Now I have 6 new cards with good limits (for me atleast:smileyhappy:)

 

Old card:

Capital one - 750 CL

 

October 15-18:

Discover more - approved - 2000 CL

Chase freedom - approved - 3000 CL

Amex delta miles - approved - 8500 CL (Successfully got it backdated to 2003)

 

November 4:

Barclays NFL extra points - approved - 1500 CL

 

November 14:

Chase southwest reapid rewards plus - approved - 3000 CL

US Bank cash+ visa signature - Pending for review

 

 

I woudn't have done it without this board. Thank you all!

 

My scores are: EQ-680, TU:710, EX:N/A

 

Amex Platinum - NPSL
Amex Delta Skymiles -- $24K
Cap1 MC -- $8K
Discover IT - $2K
Chase Freedom -$1K
Chase Southwest - $3K
Chase United Explorer - $2K
Kohls charge - $500
Contributor
SpiceIslander
Posts: 326
Registered: ‎02-01-2010

Re: App Spree...

HUGE Congrats!!!!!

 

You have done extremely well. Way to go!!!!

 

Oh yeah....welcome to the forums.

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 8900 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
New Member
openloop
Posts: 5
Registered: ‎11-14-2012

Re: App Spree...

[ Edited ]

SpiceIslander wrote:

HUGE Congrats!!!!!

 

You have done extremely well. Way to go!!!!

 

Oh yeah....welcome to the forums.



Thanks!

Amex Platinum - NPSL
Amex Delta Skymiles -- $24K
Cap1 MC -- $8K
Discover IT - $2K
Chase Freedom -$1K
Chase Southwest - $3K
Chase United Explorer - $2K
Kohls charge - $500
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: App Spree...

That's great, Congrats! Nice CL!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: App Spree...


openloop wrote:

I was introduced to the myfico forums a month ago and I am glad for that. The information is really useful and all the board members are helpful and friendly. I want to thank you all for my successful app spree.

 

On to my story... I have a limited credit history. No baddies... perfect payments. Before the app spree, I had capital one visa (CL $750) for about a year. I found the card too limiting. I requested for CLI couple of times and was denied. I got frustrated and decided to apply for new credit cards. I wasn't too confident to start with because of my limited credit history. Anyway I tried for discover more and was pleasently surprised with the approval. Now I have 6 new cards with good limits (for me atleast:smileyhappy:)

 

Old card:

Capital one - 750 CL

 

October 15-18:

Discover more - approved - 2000 CL

Chase freedom - approved - 3000 CL

Amex delta miles - approved - 8500 CL (Successfully got it backdated to 2003)

 

November 4:

Barclays NFL extra points - approved - 1500 CL

 

November 14:

Chase southwest reapid rewards plus - approved - 3000 CL

US Bank cash+ visa signature - Pending for review

 

 

I woudn't have done it without this board. Thank you all!

 

My scores are: EQ-680, TU:710, EX:N/A

 


This is a wonderful app spree!  time to kick Cap 1 to the curb...   you may look at an Amex Charge card for more backdating goodness.

 

Congrats on your approvals!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
New Member
openloop
Posts: 5
Registered: ‎11-14-2012

Re: App Spree...


webhopper wrote:



This is a wonderful app spree!  time to kick Cap 1 to the curb...   you may look at an Amex Charge card for more backdating goodness.

 

Congrats on your approvals!


Thanks.

 

Could you eloberate on the charge card suggestion you made? How does charge card help me? My current member since year is 2003. If I open a charge card now, it will be dated 2003; so my AAoA will improve, right?

Amex Platinum - NPSL
Amex Delta Skymiles -- $24K
Cap1 MC -- $8K
Discover IT - $2K
Chase Freedom -$1K
Chase Southwest - $3K
Chase United Explorer - $2K
Kohls charge - $500
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: App Spree...

[ Edited ]

openloop wrote:

webhopper wrote:



This is a wonderful app spree!  time to kick Cap 1 to the curb...   you may look at an Amex Charge card for more backdating goodness.

 

Congrats on your approvals!


Thanks.

 

Could you eloberate on the charge card suggestion you made? How does charge card help me? My current member since year is 2003. If I open a charge card now, it will be dated 2003; so my AAoA will improve, right?


Yes,  if you add a charge card, your AAoA will improve, so you'll essentially end up with another 9 years of history to help counteract the effects of all the new accounts you just added. Even if you don't keep the card longterm, you'll benefit from the extra years.  

 

Charge cards also have some very nice sign up bonuses and additional benefits.   Too bad the Zync isn't around anymore, that would be a very cheap additional  9 years of history.  

 

there are forum members here who have 5 Amex accounts, just for backdating reasons :smileyhappy:


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Contributor
RonDawg
Posts: 322
Registered: ‎10-19-2012

Re: App Spree...

Can you say... "Winning!" .... Congrats!

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
New Member
openloop
Posts: 5
Registered: ‎11-14-2012

Re: App Spree...

[ Edited ]

webhopper wrote:

openloop wrote:

webhopper wrote:



This is a wonderful app spree!  time to kick Cap 1 to the curb...   you may look at an Amex Charge card for more backdating goodness.

 

Congrats on your approvals!


Thanks.

 

Could you eloberate on the charge card suggestion you made? How does charge card help me? My current member since year is 2003. If I open a charge card now, it will be dated 2003; so my AAoA will improve, right?


Yes,  if you add a charge card, your AAoA will improve, so you'll essentially end up with another 9 years of history to help counteract the effects of all the new accounts you just added. Even if you don't keep the card longterm, you'll benefit from the extra years.  

 

Charge cards also have some very nice sign up bonuses and additional benefits.   Too bad the Zync isn't around anymore, that would be a very cheap additional  9 years of history.  

 

there are forum members here who have 5 Amex accounts, just for backdating reasons :smileyhappy:


Thanks!

Amex Platinum - NPSL
Amex Delta Skymiles -- $24K
Cap1 MC -- $8K
Discover IT - $2K
Chase Freedom -$1K
Chase Southwest - $3K
Chase United Explorer - $2K
Kohls charge - $500
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: App Spree...

Congrats


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