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New Years spree complete

Valued Contributor

Re: New Years spree complete


wacdenney wrote:

So I just finished up a new years app spree.  My scores have definately taken a big hit from all the HPs and the drop in my AAoA.  Definately time to lay low for awhile.

 

I had a good run though...  I added a Bank Americard Cash Rewards Visa, a Citi Diamond Preffered MC, a Georgia's Own Credit Union Platinum Visa, and the Sportsman's Guide Rewards Visa.  I also closed my old Merrick Bank Visa and ordered me a Capital One Image Card.  Still waiting to see if my image will be approved.

 

I am still carrying a balance on both my Cap One cards from Christmas that I intend to get transferred over to the new 0% intro on the Citi card.  After that I am DONE till the end of 2015.  Nothing left to do now but resist the urge to apply for new lines and carefully select SP CLIs every 6 months.  Wish me luck!


CongratsSmiley Happy on your app spree

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Frequent Contributor

Re: New Years spree complete

wacdenney

 

congrats

 

what is that sportsman guide visa ?

 

benefits ?

BK7 Discharge: October 2004 Starting Score: 590 August 2017 EQ & EX & TU FICO Score: 844 & 847 & 846

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Valued Contributor

Re: New Years spree complete


pokerpro wrote:

wacdenney

 

congrats

 

what is that sportsman guide visa ?

 

benefits ?


The benefit for me is that it's my highest Cl with only a SP.  There is plenty of info available on the forum conserning the Sportsman's Guide Visa and the shopping cart trick.  It's generally instant approval with an EQ soft pull and the starting limits are very generous.

 

You do earn rewards for the Sportsman's Guide website, but to be honest the rate is kindof high and I will likely never use the card for the rewards.  If I had know what I know now, I would have probably went for the TotalRewards Visa instead as it is a similar card also issued by Comenity Bank and I would actually use the rewards it offers.

 

Just search for Sportsman's Guide Visa Shopping cart and you will find plenty of info.


Moderator

Re: New Years spree complete

Congrats on your successful spree Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Frequent Contributor

Re: New Years spree complete

soft pull for a brand new account

 

interesting

BK7 Discharge: October 2004 Starting Score: 590 August 2017 EQ & EX & TU FICO Score: 844 & 847 & 846

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None



Valued Contributor

Re: New Years spree complete


Themanwhocan wrote:

wacdenney wrote:

I honestly do not know what the image on that card is supposed to be.  That is one card that I REALLY wish had an option to customize!

 

The round part looks like it's supposed to be some sortof green lizard's eye with the eyeball being the planet earth.  At least that's what it looks like to me.  Whatever it's supposed to be, it's ugly!

 

I did a little workup of what the paypal card might look like if they approve the image.  I assume they will add some of their own branding in one of the corners and I'm not sure where exactly that would go yet so I might end up shifting the glowing PayPal right or left to avoid whatever they put.  Does anyone know if you can use the companies own logo on a card?

 

 

 


Hmm. Sounds like a Green Dragon ball. Strange to find that on a Gocu card.


Lolol sorry just had to appreciate that comment!

 

But congrats OP Smiley Happy now it's gardening time to grow those babies!


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Valued Contributor

Re: New Years spree complete

Congrats on your new cards!  I saw you were declined by Chase.  Are you thinking of doing a recon with them?  Which card was it?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Valued Contributor

Re: New Years spree complete


clocktick wrote:

Congrats on your new cards!  I saw you were declined by Chase.  Are you thinking of doing a recon with them?  Which card was it?


I honestly do not remember at this point, but I believe I applied for the Freedom.  I honestly hadn't considered doing a recon, and at this point several of the new cards are already reporting so I kindof doubt a recon would work.  How long do you have after the denial to ask for a recon?


Highlighted
Valued Contributor

Re: New Years spree complete

Thank you all for the congratualtion replies.  It's been an exciting month!  I will miss all the excitement for sure.


Valued Contributor

Re: New Years spree complete

I think 30 days but I could be wrong!  It can't hurt if they look at the same pull they already had done.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge