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Established Member
Posts: 31
Registered: ‎08-08-2012
0

Miniature App Spree - How did I do?

Even though I still don't think I am in PrimeVille, I was hoping to get some opinions. 

 

I went on a miniature app spree and for once, it was actually fruitful.

 

I app'ed for the Amazon.com store card and instantly approved for $900, I called GE directly and asked them to increase it! Suprisingly, they did, $1,500.

I called up Chase and requsted a CL on my Freedom. Asked them for an additional 2K, denied. Spoke with an analyst and BAM! Approved, now standing at $6.5K (Third increase in under a year; 2K initial limit, 500 auto, 2K newest request)

 

Finally, I app'ed for the Discover IT. I have been wanting to get in with Discover for ages and I didn't hold my breath on an approval. Suprisingly, they offered me a counter offer. 3.99% for 6 months than 22.99. Did anyone get a counter offer from Discover? What was the limit? I still don't know mine.

 

Here is a little background on my profile:

 

Closed Cap1 Secured 1/2013 (Opened 1/2011)

Cap1 MTV $2K (Opened 6/2011)

BBY Store Card $3.1K (Joint, I'm Primary) (Opened 7/2011)

Chase Freedom $6.5K (Opened 3/2012)

Closed AMEX Zync PSL 1/2012 (Opened 08/2012)

Amazon.com Chase Visa $1.5K (Opened 1/2013)

 

No baddies, 3 year credit profile. Util always hovering around 30%

Inquires - Don't ask....tooo many

 

Future - I really really want the AMEX BCP and CSP but right now, LOL!!!


Current Score: 660 EQ 651 TU 677 EX (via CreditInform)
Starting Score: 639 EQ 654 TU 638 EX (via CreditInform)
Goal Score: 700 Across the Board


Take the FICO Fitness Challenge

What's in my wallet?

Cap1 Secured MC $500 | Cap1 Visa $750 | BBY Storecard $3,100 | Chase Freedom $4,000 | AMEX Zync $500
Contributor
Posts: 122
Registered: ‎08-19-2012
0

Re: Miniature App Spree - How did I do?

Wow, congrats! Nice work on the Chase CL especially, I know they can be sticklers !

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Miniature App Spree - How did I do?

That's a nice spree, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Senior Contributor
Posts: 9,255
Registered: ‎10-21-2012
0

Re: Miniature App Spree - How did I do?


ali5541 wrote:

Even though I still don't think I am in PrimeVille, I was hoping to get some opinions. 

 

I went on a miniature app spree and for once, it was actually fruitful.

 

I app'ed for the Amazon.com store card and instantly approved for $900, I called GE directly and asked them to increase it! Suprisingly, they did, $1,500.

I called up Chase and requsted a CL on my Freedom. Asked them for an additional 2K, denied. Spoke with an analyst and BAM! Approved, now standing at $6.5K (Third increase in under a year; 2K initial limit, 500 auto, 2K newest request)

 

Finally, I app'ed for the Discover IT. I have been wanting to get in with Discover for ages and I didn't hold my breath on an approval. Suprisingly, they offered me a counter offer. 3.99% for 6 months than 22.99. Did anyone get a counter offer from Discover? What was the limit? I still don't know mine.

 

Here is a little background on my profile:

 

Closed Cap1 Secured 1/2013 (Opened 1/2011)

Cap1 MTV $2K (Opened 6/2011)

BBY Store Card $3.1K (Joint, I'm Primary) (Opened 7/2011)

Chase Freedom $6.5K (Opened 3/2012)

Closed AMEX Zync PSL 1/2012 (Opened 08/2012)

Amazon.com Chase Visa $1.5K (Opened 1/2013)

 

No baddies, 3 year credit profile. Util always hovering around 30%

Inquires - Don't ask....tooo many

 

Future - I really really want the AMEX BCP and CSP but right now, LOL!!!


You have now your foot in the door with the Discover family, which is commendable.  Initial limits can be anywhere from $500 to $1K (depending on the credit decision).  You can always contact Discover to find out your initial credit limit.  Treat all your new fruitful accomplishments with great discipline.  For now gardening is your best strategy for future growth considering the number of inquiries and new credit. 

 

An item to keep in mind with Discover, accounts can be elegible for a CLI after 6 months or so (SP or HP depending on account elegibility).  After 12 months of card membership you can request your account to be reviewed for a lower APR.

Valued Contributor
Posts: 1,486
Registered: ‎08-30-2011
0

Re: Miniature App Spree - How did I do?


ali5541 wrote:

Even though I still don't think I am in PrimeVille, I was hoping to get some opinions. 

 

I went on a miniature app spree and for once, it was actually fruitful.

 

I app'ed for the Amazon.com store card and instantly approved for $900, I called GE directly and asked them to increase it! Suprisingly, they did, $1,500.

I called up Chase and requsted a CL on my Freedom. Asked them for an additional 2K, denied. Spoke with an analyst and BAM! Approved, now standing at $6.5K (Third increase in under a year; 2K initial limit, 500 auto, 2K newest request)

 

Finally, I app'ed for the Discover IT. I have been wanting to get in with Discover for ages and I didn't hold my breath on an approval. Suprisingly, they offered me a counter offer. 3.99% for 6 months than 22.99. Did anyone get a counter offer from Discover? What was the limit? I still don't know mine.

 

Here is a little background on my profile:

 

Closed Cap1 Secured 1/2013 (Opened 1/2011)

Cap1 MTV $2K (Opened 6/2011)

BBY Store Card $3.1K (Joint, I'm Primary) (Opened 7/2011)

Chase Freedom $6.5K (Opened 3/2012)

Closed AMEX Zync PSL 1/2012 (Opened 08/2012)

Amazon.com Chase Visa $1.5K (Opened 1/2013)

 

No baddies, 3 year credit profile. Util always hovering around 30%

Inquires - Don't ask....tooo many

 

Future - I really really want the AMEX BCP and CSP but right now, LOL!!!


Congrats on the results of your "mini", pretty darned good results!  Let it garden for a while and see where you go from here. 

 

ONWARD AND UPWARD !!

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10.5K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 823 TU = 822 as of 07/15
Established Member
Posts: 31
Registered: ‎08-08-2012
0

Re: Miniature App Spree - How did I do?

Thanks guys! I am so happy that I am finally in with Discover. Also, I did call yesterday, they gave me a 1K limit. But hey, I'm not complaining, I'd take what I can get from them at this point. Out of my 13ish inquries during the last year, 5 of them belong to them. xD

 

severine, people say that all the time about Chase. They have treated me very well. Two cards from them and a growing Freedom card. 


Current Score: 660 EQ 651 TU 677 EX (via CreditInform)
Starting Score: 639 EQ 654 TU 638 EX (via CreditInform)
Goal Score: 700 Across the Board


Take the FICO Fitness Challenge

What's in my wallet?

Cap1 Secured MC $500 | Cap1 Visa $750 | BBY Storecard $3,100 | Chase Freedom $4,000 | AMEX Zync $500
Valued Contributor
Posts: 1,453
Registered: ‎04-14-2012
0

Re: Miniature App Spree - How did I do?

Very Nice!!! Congrats!!!!

*8/10/13
Valued Contributor
Posts: 1,486
Registered: ‎08-30-2011
0

Re: Miniature App Spree - How did I do?


ali5541 wrote:

Thanks guys! I am so happy that I am finally in with Discover. Also, I did call yesterday, they gave me a 1K limit. But hey, I'm not complaining, I'd take what I can get from them at this point. Out of my 13ish inquries during the last year, 5 of them belong to them. xD

 

severine, people say that all the time about Chase. They have treated me very well. Two cards from them and a growing Freedom card. 


GREAT attitude!  Having a Discover with a $1k limit is better than not having a Discover at all but wanting it!  It WILL grow. 

 

ONWARD AND UPWARD !

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10.5K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 823 TU = 822 as of 07/15
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: Miniature App Spree - How did I do?

Congrats!


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
Senior Contributor
Posts: 4,694
Registered: ‎02-23-2011
0

Re: Miniature App Spree - How did I do?

Good going!

 

The Freedom, Amzn, and Discover are excellent TLs.  Those 3 definitely makes the spree worthwhile, especially since they're no fee cards that you'll never have to contemplate cancelling.

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