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How to go about an app spree?

Established Member

How to go about an app spree?

I'm wondering how one plans this out?

 

I'd really like to get Chase Freedom, BOA Rewards (pre approved), Nordstrom and Saks cards. Going forward I think those are the only other cards I'll ever really want. Would it pay to apply for them all at the same time? Or is there a better way to go about it?

 

I'm going to wait a few months before applying for any new card/s as I'm waiting for a new card (March 2012) to fall off and I want to pay down my Discover balance a bit. I don't carry balances on any other cards.

 

Thanks!

3/3 - 670 Transunion
4/26 - 686 Equifax

3/4/12 - 736 Transunion
Message 1 of 22
21 REPLIES
Senior Contributor

Re: How to go about an app spree?

Gee, did you ask the right question for this crowd....  Smiley Tongue

 

I think the general consensus is that a true app spree involves quite a bit of alcohol and clicking on the "apply now" button until they stop sending you denials and send you a personalized email that says, "What part of NO did you not understand?"

 

Smiley Tongue

 

Me, personally?

 

I would tell you to wait until you're ready (and until your CR's are ready), then apply for the ONE that you most wish to have.



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 2 of 22
Valued Contributor

Re: How to go about an app spree?

I went on a huge app spree, 12 accounts in 1 month, my scores didnt suffer much. Now all those accounts and inqs are gonna age at the same time
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 3 of 22
Moderator Emeritus

Re: How to go about an app spree?

I would app in this order:

 

Chase Freedom,

BOA Rewards

Nordstrom

Saks cards

 

App all on the same day... and the accounts can age together...  App for Chase first because they are sensitive to inquiries


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
Message 4 of 22
Established Member

Re: How to go about an app spree?

I did my first (and probably only) "app spree" the day before christmas.

 

I have about 13% util, and my TU score was about 714 when I did it.

 

I applied for the AMEX BCE, approved for 15k CL,  Chase Sapphire, approved for 5k CL.  I applied for the LL Bean (barclay) card too, but was denied.  That's where I ended it.

 

I was really just looking to get a couple good cards in my profile since most of mine are store cards or Cap one cards.

 

I also got an auto loan about a week later.

 

My credit needs a break, so over the next year I plan to bring my util down and allow some inq's to fall off.

Message 5 of 22
Senior Contributor

Re: How to go about an app spree?


ALLevesque wrote:

My credit needs a break, so over the next year I plan to bring my util down and allow some inq's to fall off.


That is just about where I am, as well.



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 6 of 22
Established Contributor

Re: How to go about an app spree?

I did two app sprees last year. In July PSECU 15K, Amex Zync & Amex Gold (1 inq.), Barclays US Airways (denied then approved on recon), and Lowes. I was denied for Chase Freedom. In September, I applied for Chase Sapphire preferred and Freedom again. I got the CSP 5k but was denied for the Freedom. I did the CSP app first. I rounded it out with the Citi HHonors 9K and BOA 1-2-3 10K. Took a break and then was approved in November for Amex SPG and Walmart Discover.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 7 of 22
Established Member

Re: How to go about an app spree?

Thank you everyone for your advice! I don't know if this is silly or not but has anyone tried opening each application in a new window and hitting apply all right around the same time? Just wondering if that might make a difference, lol Smiley Happy.

3/3 - 670 Transunion
4/26 - 686 Equifax

3/4/12 - 736 Transunion
Message 8 of 22
Senior Contributor

Re: How to go about an app spree?


creditchick wrote:

Thank you everyone for your advice! I don't know if this is silly or not but has anyone tried opening each application in a new window and hitting apply all right around the same time? Just wondering if that might make a difference, lol Smiley Happy.


As I mentioned earlier, you're in the right place!  Smiley Happy



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 9 of 22
Frequent Contributor

Re: How to go about an app spree?


webhopper wrote:

I would app in this order:

 

Chase Freedom,

BOA Rewards

Nordstrom

Saks cards

 

App all on the same day... and the accounts can age together...  App for Chase first because they are sensitive to inquiries


I would put Nordstrom first, they have a much bigger reputation for being sensitive to inquiries than Chase.

 

What state are you in OP, maybe it will work out that they'll be on seperate reports and it won't matter. 

Message 10 of 22