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First app spree (4 apps)

Contributor

First app spree (4 apps)

Recently I did my first ever app spree and results are (in order): 

WalMart: Online Instant for $1K 

Sears: Store Instant for $2.5K 

Home Depot: Online, denied (for third time... misteriously no HP) - called 2x for recon (first was sent to store with ID by a regular CSR, was a waste of time as it did nothing), second was approved for $1250 after answering identity questions(odd that Citi gave me a higher starting limit than GE Walmart, I have been with GE for 1.5 years and have treated them well).

Amazon Visa: Online, asked for copy of ID to confirm address, approved for $400 - I suspect this one was low due to verification issue at the beginning, will wait for all cards to report and ask for a match (at least $1K).

 

I only had 2 cards prior to this (a visa at $500 and PPSM at $800), so I got 4x my available credit.  Current plans: Garden for a year (so all inquiries fall off), ask for CLIs every 4 months and keep overall util at 10% or lower. Then apply for cards that give decent rewards.

As of Feb: AAoA 1 year, 10 months
CK TU: 740; Wal-Mart TU FICO: 721
CS EX: 715
8 CCs, 15 total accounts.
Negs on report: 1 30 day late aged 3 years
5 inquiries
Message 1 of 11
10 REPLIES
Senior Contributor

Re: First app spree (4 apps)

Congrats!!! Thats awesome that you got good credit cards issued by great banks. Thats weird that they didnt give you the Sears MasterCard with that CL. Same goes with Wal Mart thats a great Limit to strat of with the Discover version. Anyway they will be upgraded if you are responsible. Enjoy!

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Message 2 of 11
Senior Contributor

Re: First app spree (4 apps)

Congrats!!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 3 of 11
Valued Contributor

Re: First app spree (4 apps)

Congratttttttttttttttt


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 4 of 11
Contributor

Re: First app spree (4 apps)

Thanks! The WM is Discover and as for Sears, they told me at the store that they don't offer the MC in PR (they don't offer a backup card in case Citi denies you either). I will treat these cards with care and hopefully get regular CLIs and open the door for prime pre-approvals.
As of Feb: AAoA 1 year, 10 months
CK TU: 740; Wal-Mart TU FICO: 721
CS EX: 715
8 CCs, 15 total accounts.
Negs on report: 1 30 day late aged 3 years
5 inquiries
Message 5 of 11
Valued Contributor

Re: First app spree (4 apps)

That's great, Congrats on the approvals!

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: First app spree (4 apps)

 

your score isn't too bad why didn't you apply for better cards? I would've apped for an Amex to get your foot in the door for backdating, a BCP/BCE seems possible with your scores since the cap. Also since Home Depot and Sears are both issued by Citi they pull internal scoring since you had the Sears approval already so that's probably why they denied you without a HP. Amex does'nt do a HP if denied.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 7 of 11
Frequent Contributor

Re: First app spree (4 apps)

Congrats good for you!

Message 8 of 11
Valued Contributor

Re: First app spree (4 apps)


distantarray wrote:

 

your score isn't too bad why didn't you apply for better cards? I would've apped for an Amex to get your foot in the door for backdating, a BCP/BCE seems possible with your scores since the cap. Also since Home Depot and Sears are both issued by Citi they pull internal scoring since you had the Sears approval already so that's probably why they denied you without a HP. Amex does'nt do a HP if denied.


Even you not a member >?? They never do HP if denied right ????

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 9 of 11
Established Contributor

Re: First app spree (4 apps)


nicholasyud wrote:

distantarray wrote:

 

your score isn't too bad why didn't you apply for better cards? I would've apped for an Amex to get your foot in the door for backdating, a BCP/BCE seems possible with your scores since the cap. Also since Home Depot and Sears are both issued by Citi they pull internal scoring since you had the Sears approval already so that's probably why they denied you without a HP. Amex does'nt do a HP if denied.


Even you not a member >?? They never do HP if denied right ????

 


you have to be a member Smiley Tongue  

 

Exisiting customers don't get a HP if denied.

 

since the OP already got approved for a Citi card, getting another one within a few days is a bit much and no HP cause of it.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 10 of 11