Reply
Established Member
Posts: 24
Registered: ‎05-07-2013
0

How many apps on your app spree? :)

I just finished going on my first app spree! I was 5/5 on Capital One Platinum, Discover It, Chase Freedom, BofA Cash Rewards, and Citi Diamond Preferred. I'm suffering from post app remorse, BUT I've been rebuilding with a secured card for the last year and a half so it feels good to finally have decent cards :smileyhappy:

 

How many apps do you do on your app sprees and how much do you think is too much?

TU: 767 (11/04/2013) | EQ: 714 (5/13/2013) | EX: 717 (11/09/13) |

Discover $12k | Chase Freedom $5k | Citi TY Preferred $4.8k | Bofa Cash Rewards $3.9k | Cap1 Quicksilver $2k | Walmart $2k | Macys $700
Super Contributor
Posts: 5,232
Registered: ‎12-11-2011
0

Re: How many apps on your app spree? :)

I just did my first real app spree a few weeks ago. I did 5 cards: citi forward, discover IT, boa travel, and barclays upromise. 

 

all my other apps were spread out over around a month when I first started my credit journey. 

 

I would say, a heavy app spree of 10+ might be too much (depending on your profile). those inqs add up and you'll prob end up being denied for the last couple. 

;
Community Leader
Senior Contributor
Posts: 26,822
Registered: ‎02-07-2013
0

Re: How many apps on your app spree? :)

I tend to keep my spree between 2-4 cards then hit the garden for 6 months so after 2 years  

I have INQ's falling off in bunches every 6 months



+ Chase Ink =

Established Contributor
Posts: 677
Registered: ‎09-12-2011
0

Re: How many apps on your app spree? :)

Congratulations on your approvals - nicely done!

 

I've only done one app spree and that was last November.  And actually, I applied for 1 card and then waited a week and then applied for 2 more.  Not sure why I didn't do them all in the same day, but I think originally I only wanted to app for one and then a week later I figured might as well get a couple more if I can.

FICOs: TU08 841 2/9/15 per Barclay; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 809 3/4/15; EX08 812 3/8/15 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $19.3K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $17.3K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $17.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Moderator
Posts: 27,206
Registered: ‎09-13-2012
0

Re: How many apps on your app spree? :)

I usually do 3-4 at a time but in March I did 5 plus refi'd my car- In Sept, I'll probably do 4 CSP, BCE, ARRIVAL and one more.
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: How many apps on your app spree? :)

I think the largest spree I had was 4 or 5 apps...

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Frequent Contributor
Posts: 464
Registered: ‎10-29-2012
0

Re: How many apps on your app spree? :)

I typically go 1-3 at a time. If I'm denied, I stop apping then and there, if approved, that means the green light to app for whatever card I think I would qualify for. Speaking of which, I've got one app planned for tommorow, and then I'm done for the next couple of years. Just do 2-3 apps every 6 months or so until you get the cards you want, then go into the garden...and don't apply for anything else..lol.

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Established Member
Posts: 35
Registered: ‎01-28-2013
0

Re: How many apps on your app spree? :)

I just finished up an app spree with 3 apps, 2 of which were planned (Citi Simplicity and PayPal Extras MC) and the 3rd being a store card (JCP) I applied for on a whim in-store.

 

In the past, I did one with 8 approvals (3 denials). I definitely don't think I'd ever do that again, but as my credit is really young, it gives me a solid base to build with for AAOA. 

American Express Blue Cash Everyday | American Express Green | Bank AmeriCard Travel Rewards | Barclaycard Ring | Capital One Rewards | Chase Amazon | Chase Freedom | Citi Simplicity | Discover IT | Fidelity Investment Rewards AmEx | Freedom First CU Visa | Hudson Valley FCU Visa | Paypal Extras MC | + several store cards

09/05/13

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: How many apps on your app spree? :)

I did 7. Kinda overdid it though.

I apped for Amex BCP, CSP, Freedom, Cash+, Arrival, Thank You Preferred and Discover. Declined for BCP and everything else approved.


Hoping to apply for BCP, Thank You Premier end of this year, and maybe an Amex charge card as well. 

Anyone got any suggestions? :smileyhappy:

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.