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Valued Member
Idiotsavant
Posts: 128
Registered: ‎03-14-2012

Longest and shortest period you have gone without apping

So another member mentioned that my question about apping should be its own thread, but I thought it would be more fun to see everyone's personal records: longest amount of time you have gone without apping and shortest from your first credit card to your most recent (none of this..well I didn't apply for a credit card until I was 17, so 17 years business :smileytongue:).

 

Longest: 5 years, from AMEX SPG to AMEX TE

 

Shortest: 2 days, it's hard not to app when you're on a college campus and they are offering you free stuff.  I apped for a Bruin bear and later for a student kit: shirt, cup, the usual.


Starting Score: Same as current
Current Score: Transunion 786, Equifax 793 (March 15, 2012)
Goal Score: 800


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Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: Longest and shortest period you have gone without apping

Longest time: 2003 - 2011 (Apped for an MBNA, and didn't app for another card til I got the Chase Freedom in summer of 2011)

 

Shortest time: 1 week-ish. (Apped for a Discover More and figured I'd give it a shot about a week or so later and apped for a BCE, was approved for both)

 

If I get the United Mileage Plus at the end of the year, I might not be apping for a long time, if ever. (Or so I say)

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Established Contributor
pakman92
Posts: 633
Registered: ‎03-01-2012

Re: Longest and shortest period you have gone without apping

Longest: about 5 years before joining myFico

Shortest: about 2 hours since I joined myFico


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 790 (03/31/13) TU08: 833 (04/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 753 (04/03/13)
Valued Member
Idiotsavant
Posts: 128
Registered: ‎03-14-2012

Re: Longest and shortest period you have gone without apping


pakman92 wrote:

Longest: about 5 years before joining myFico

Shortest: about 2 hours since I joined myFico


It was LS and appbar's fault, wasn't it?


Starting Score: Same as current
Current Score: Transunion 786, Equifax 793 (March 15, 2012)
Goal Score: 800


Take the FICO Fitness Challenge
Established Contributor
pakman92
Posts: 633
Registered: ‎03-01-2012

Re: Longest and shortest period you have gone without apping


Idiotsavant wrote:

pakman92 wrote:

Longest: about 5 years before joining myFico

Shortest: about 2 hours since I joined myFico


It was LS and appbar's fault, wasn't it?


Surely him and many other pretend gardeners.


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 790 (03/31/13) TU08: 833 (04/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 753 (04/03/13)
Valued Member
Idiotsavant
Posts: 128
Registered: ‎03-14-2012

Re: Longest and shortest period you have gone without apping


pakman92 wrote:

Idiotsavant wrote:

pakman92 wrote:

Longest: about 5 years before joining myFico

Shortest: about 2 hours since I joined myFico


It was LS and appbar's fault, wasn't it?


Surely him and many other pretend gardeners.


There, there, it's ok.  They seem to make a really tasty and refreshing koolaid.


Starting Score: Same as current
Current Score: Transunion 786, Equifax 793 (March 15, 2012)
Goal Score: 800


Take the FICO Fitness Challenge
Established Contributor
teenastie
Posts: 638
Registered: ‎07-28-2011

Re: Longest and shortest period you have gone without apping

Longest time (all TLs): 2000-2004 Bought Car

Longest time (CC): 2000-2006

 

Shortest time: Apped for Barclay's Amex (got 7-10 day message) 1 week later Apped for Amex Zync (instant approval).



Established Contributor
Cdnewmanpac
Posts: 686
Registered: ‎01-16-2012

Re: Longest and shortest period you have gone without apping

Longest between CC apps: 1988 to 2010, 22 years

Longest between any apps: 1988 to 2005 (mortgage), 19 years

NewCardssmall
9500 5000 13000 3000 3000 5000
Mega Contributor
LS2982
Posts: 14,447
Registered: ‎04-09-2011

Re: Longest and shortest period you have gone without apping


pakman92 wrote:

Idiotsavant wrote:

pakman92 wrote:

Longest: about 5 years before joining myFico

Shortest: about 2 hours since I joined myFico


It was LS and appbar's fault, wasn't it?


Surely him and many other pretend gardeners.


why I ougha!!!!!! :smileysurprised:




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
Mega Contributor
LS2982
Posts: 14,447
Registered: ‎04-09-2011

Re: Longest and shortest period you have gone without apping

Longest: 7 years (no credit / cash only)

Shortest: about an hour :smileysad:




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013

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