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Valued Member
Posts: 27
Registered: ‎08-22-2012
0

First spree a great success

So my first credit card is a CapOne which Ive had for a year, never a limit increase beyond my 3k.  I used it to build history and up my credit score and decided it was time to go on a small spree and find something better. I applied for chase and discover 2 months ago. I received chase first, with a 2.5k limit, followed by discover with a 1.5k limit. I was a little disappointed that they couldn't at least match my CapOne limit, but was still happy to have more choices and to now get rewards. A couple weeks ago I also applied for Amex hoping they will match CapOne and saying this will be the last app for a long time. I received it today and when I opened it, I let out a nice "Holy **bleep**". 11.2k from Amex. They are now my favorite. Thanks to everyone who has shared their knowledge on this forum. It helped me with my first spree and also helped me understand the credit world a lot more.

Amex BCE - 15.9k, QuickSilver - 8k, Freedom - 5k, Discover It - 7.5k
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
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Re: First spree a great success

Wow CONGRATS!!!

Which AMEX product did you get?



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 Member
Posts: 27
Registered: ‎08-22-2012
0

Re: First spree a great success

Blue cash everyday
Amex BCE - 15.9k, QuickSilver - 8k, Freedom - 5k, Discover It - 7.5k
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
0

Re: First spree a great success


Jatindrj wrote:
Blue cash everyday

Very nice!!!

 

I want the BCP, gonna try to hold out until 7/13, but might bite on it in January for the backdating.

 




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
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: First spree a great success

Congrats!!!

 


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
Posts: 169
Registered: ‎03-29-2012
0

Re: First spree a great success

Can you share your Fico scores/income AAOA the usual?


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


Take the FICO Fitness Challenge
Valued Member
Posts: 27
Registered: ‎08-22-2012
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Re: First spree a great success

Thanks all.


jtc411 wrote:

Can you share your Fico scores/income AAOA the usual?



At the time of the chase and discover apps, I had a ~1.5 year AAoA with a 714 Equifax. When I applied for Amex, I had a 727 Experian with a lower AAoA because of the two new cards. Income is at about 40k.

Amex BCE - 15.9k, QuickSilver - 8k, Freedom - 5k, Discover It - 7.5k
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: First spree a great success


Jatindrj wrote:

Thanks all.


jtc411 wrote:

Can you share your Fico scores/income AAOA the usual?



At the time of the chase and discover apps, I had a ~1.5 year AAoA with a 714 Equifax. When I applied for Amex, I had a 727 Experian with a lower AAoA because of the two new cards. Income is at about 40k.


great success story.  Seems to be outlier approval amount.  Mind answering a couple ofquestions?  Homeowner?  How long lived at current address?  How long at same job?

               LIMITS IN CARD DESCRIPTIONS
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: First spree a great success




At the time of the chase and discover apps, I had a ~1.5 year AAoA with a 714 Equifax. When I applied for Amex, I had a 727 Experian with a lower AAoA because of the two new cards. Income is at about 40k.


yo with 40k income and they gave you 11k ....man the world is knee down on you bro....good job man

 


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

Regular Contributor
Posts: 214
Registered: ‎08-02-2012
0

Re: First spree a great success

Awesome and so encouraging! CONGRATS!! :smileywink:

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013

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