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Member
bryan8392
Posts: 9
Registered: ‎12-16-2011
0

First App Spree Results!!

Hey all! I just wanted to share the results of my app spree after being in the garden for a year. I have been lurking on this board for a while and have learned so much so thanks to everyone who shares their knowledge!

 

Here is what I had before the spree:

 

Discover It: 550/3900

Citi Platinum Select Visa: 0/1200

US Bank Platinum Visa: 0/1500

GEMB Discount Tire: 0/800

 

I also just paid off a loan for a motorcycle and about $3000 of CC debt a couple months ago. My EQ score jumped from 683 to 762 after this which I thought was crazy. Staying in the garden and lowering my utilization really makes a dramatic difference I guess.

 

Here is what I applied for:

 

AMEX BCE: Approved, $8000

US Bank Cash+: Approved, $8500

Unitus Platinum Rewards: Approved, $8000

Barclays Rewards Mastercard: Approved, $6300

BoA 1-2-3: Approved, unknown limit

Walmart Discover: Approved, $1900

Chase Freedom: Awaiting results

 

I'm not sure why Chase would take longer than all of those other banks, but I'm hoping I get it. Now I don't really know what my next steps are.... I guess its back to the garden for a while!

Valued Contributor
parakleet
Posts: 1,145
Registered: ‎04-13-2013
0

Re: First App Spree Results!!

Congrats!! Those are nice CLs. Gardening sound like a good plan! 


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Contributor
Shyone44
Posts: 79
Registered: ‎03-23-2013
0

Re: First App Spree Results!!

Congrats on the approvals!!!! After staying in the garden for a year should get you a garden statue in your siggy :smileywink:


Last app 3/21/13
EQ 658 (5/28/13)
TU 608 (5/1/13)
Moderator
09Lexie
Posts: 25,837
Registered: ‎09-13-2012
0

Re: First App Spree Results!!

Congrats! Call Chase depending on the order you app'd you might have to explain your inq's.
Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,552
Registered: ‎10-02-2012
0

Re: First App Spree Results!!

Thats awesome!! Congrats!! Here folks we find the results when waiting patiently in the garden and lower UTL. It will pay off. 

$1,000$600
EX FICO---, EQ FICO---, TU FICO 603, Gardening Since 10-05-14
Community Leader
Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
0

Re: First App Spree Results!!

Congrats nice card nice limits...

You should have no problem gardening look at what it just got you.:smileywink:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Regular Contributor
shanac
Posts: 220
Registered: ‎09-20-2012
0

Re: First App Spree Results!!

WOW--that's impressive! I'm patiently awaiting my turn.


Current Score: EQ FICO 758 as of 4/15/14 TU FICO 789 as of 5/2013 EX 781 via Amex 6/12/13
Goal Score: 800 Gardening 10/12/13 until 8/2014 app for final PLUS Loan
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: First App Spree Results!!


bryan8392 wrote:

Hey all! I just wanted to share the results of my app spree after being in the garden for a year. I have been lurking on this board for a while and have learned so much so thanks to everyone who shares their knowledge!

 

Here is what I had before the spree:

 

Discover It: 550/3900

Citi Platinum Select Visa: 0/1200

US Bank Platinum Visa: 0/1500

GEMB Discount Tire: 0/800

 

I also just paid off a loan for a motorcycle and about $3000 of CC debt a couple months ago. My EQ score jumped from 683 to 762 after this which I thought was crazy. Staying in the garden and lowering my utilization really makes a dramatic difference I guess.

 

Here is what I applied for:

 

AMEX BCE: Approved, $8000

US Bank Cash+: Approved, $8500

Unitus Platinum Rewards: Approved, $8000

Barclays Rewards Mastercard: Approved, $6300

BoA 1-2-3: Approved, unknown limit

Walmart Discover: Approved, $1900

Chase Freedom: Awaiting results

 

I'm not sure why Chase would take longer than all of those other banks, but I'm hoping I get it. Now I don't really know what my next steps are.... I guess its back to the garden for a while!


Very nice!!!

 

CONGRATS!!!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
dodgerslv
Posts: 1,777
Registered: ‎06-16-2012
0

Re: First App Spree Results!!


bryan8392 wrote:

Hey all! I just wanted to share the results of my app spree after being in the garden for a year. I have been lurking on this board for a while and have learned so much so thanks to everyone who shares their knowledge!

 

Here is what I had before the spree:

 

Discover It: 550/3900

Citi Platinum Select Visa: 0/1200

US Bank Platinum Visa: 0/1500

GEMB Discount Tire: 0/800

 

I also just paid off a loan for a motorcycle and about $3000 of CC debt a couple months ago. My EQ score jumped from 683 to 762 after this which I thought was crazy. Staying in the garden and lowering my utilization really makes a dramatic difference I guess.

 

Here is what I applied for:

 

AMEX BCE: Approved, $8000

US Bank Cash+: Approved, $8500

Unitus Platinum Rewards: Approved, $8000

Barclays Rewards Mastercard: Approved, $6300

BoA 1-2-3: Approved, unknown limit

Walmart Discover: Approved, $1900

Chase Freedom: Awaiting results

 

I'm not sure why Chase would take longer than all of those other banks, but I'm hoping I get it. Now I don't really know what my next steps are.... I guess its back to the garden for a while!


AWESOME!!!! Big Congrats bryan!!!!!


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: First App Spree Results!!

In Boston, we call it:

Wicked cool

 

Now time for some gardening.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)

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