Reply
New Contributor
ntx
Posts: 65
Registered: ‎08-02-2012
0

Re: Went App Spree

Hi ssghandless,

 

Which card(s) are you most interested in? 

 

Not that I have much to add, but all the knowledgeable folks around here seem to ask that (understandably).

 

NTX

Contributor
ssghandless
Posts: 101
Registered: ‎07-30-2010
0

Re: Went App Spree

Honestly, I dont care. I just want to increase my credit overall. Reduce HP and maybe get something with an installment plan since I just piad off my truck and car. I was thinking of refi my truck so I could qualify for a low APR for a motorcycle (I know what you are going to say about a motorcycle but the truck takes mega amount of gas and the bike offsets the price of gas if I drive it.) Just make my credit file look great for a mortgage. I have a 634 EX 635 TU 646 EQ. I had an old lien come off my record recently. Any suggestions?



4/5/12 TU-635 Ex-634 Eq-646 (Kroll Fact. Home loan)
9/8/10 TU-654 Ex-627 Eq-638
8/1/10 TU-629 Ex-627 Eq-638


Starting Score: 526
Current Score: 635
Goal Score: 750


Take the FICO Fitness Challenge

Valued Member
kulamrazool82
Posts: 42
Registered: ‎08-07-2012
0

Re: Went App Spree

To help you better, could you list down your current cards with limit, util % and no of recent inqs?

 

- Syed



Scores: 723 (EX CITI Pull 11/09/13), 669 (CK 11/21/13), 680 (EQ Duck Card Score 11/11/13) 664 (Walmart TU FICO Nov '13)
Duck Card - 12K | Amex BCE - 2K | Amex Costco - 1.2K | CITI TY Pref - 6.5K | Chase Freedom - 3K | DCU Visa - 5K | Genisys CU Visa - 2K | Discover More - 4.5K | Cap1 Q Silver - 1500 | Cap One Hassle Free - 1500 | Amazon Store - 1900 | Walmart Store - 800 | Kohls - 300 | Macys - 800
Contributor
ssghandless
Posts: 101
Registered: ‎07-30-2010
0

Re: Went App Spree

[ Edited ]

Sure:

1. Cap One 196*/500

 

*I can pay more on this if need be.

 

Thats it. LOL. I've had that card about 8 months now and it started with $300. I paid off truck November $27k and car last month $14k and lien last month $2800k. oh YES! I need an installement account somewhere in there. I was thinking of gettting that motorcycle for gas and an account?

 

I'd like to AMEX, Discover, Amazon, Walmart OR Target, hmmm. I dont know what else.



4/5/12 TU-635 Ex-634 Eq-646 (Kroll Fact. Home loan)
9/8/10 TU-654 Ex-627 Eq-638
8/1/10 TU-629 Ex-627 Eq-638


Starting Score: 526
Current Score: 635
Goal Score: 750


Take the FICO Fitness Challenge

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Went App Spree

i thought i was the only one who exceled the heck out of my accounts 

 

Credit         
CitizensCitizens 0500015th 12-Jun3 months
Chase FreedomChase 050007th 12-Jul2 months
   010000    
Store Cards        
Best BuyHSBC/Cap ONE661.825000.2647227th 10-Oct22 months
Macy'sDiscover 03500021st 10-Dec20 months
KohlsCap One 040009th 12-Jan8 months
American EagleGECRB 0400010th 12-Jul2 Months
WalmartGECRB 0800025th 12-Jul2 Months
   661.876000.08707   8.4 Months AAOA

 

 

went from 3 cards and 1.2 aaoa to 7 cards 8.4 months. 

 

the only other card i want is an amex. also im going to be leasing a car depending on job status(promotion not a new job) that i will know for sure in the next week (hoping to get it sep-3/4th) and apping for amex same day. 

then apping for second amex in feb when half the inquries fall off.   here is all inquries on my accounts after that gardening forever. (or until i look for a condo/house) 

 

 

Inquries         
          
1Chase 8/23/2010 Denied Experian 1 
2Macy's 12/21/2010 Received Experian 2 
3Sallie Mae 4/14/2011Denied Transunion1 
4Cap One Kohl's 1/4/2012Received Experian 3 
5Chase 2/2/2012 Denied Experian 4 
6Citi 2/2/12 Denied Equifax 1 
7Cabela's 2/8/12 Denied Equifax 2 
8Citizens Bank 6/15/12Received Equifax 3 
9Citizens Bank 6/26/12Received Equifax 4 
10GECRB-AE 7/18/12 Received Transunion2 
11Chase 7/26/12 Received Experian 5 
12Walmart 7/29?/12 Received Transunion3 

 

 excuse the screwups by html error from copy and paste. move one over for things that look out of place. 

 

Current: Discover Fico 689 9/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
maiden_girl
Posts: 2,101
Registered: ‎12-29-2011
0

Re: Went App Spree

I would like a CitiForward card but they denied me. I have a cap one card now for two years and I'm at my max limit of $750. They refuse to increase my CL. It's annoying. You can't do anything with a $750 limit.

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)






Valued Member
kulamrazool82
Posts: 42
Registered: ‎08-07-2012
0

Re: Went App Spree

Hi ssghandless,

If I am you, I would approach near by credit union and open a membership and request for Credit Card with the single inquiry (usually CUs will make a Hard Pull for opening membership). Identify a CU and do little research in this forum to know the bureau they will pull before going there. Assuming your score is mid 600, you have a good chance of getting min 1K CL there. 

 

Then, I would suggest go for Walmart (GE), they might approve you a 500.00 limit but we may request min 3 CLI each year, so this card will grow with us and help AAoA. Same goes for Amazon store card. But, I would wait and build a decent history in atleast 2 cards for more than a year before applying for Discover or Amex. If you want to take a chance with those 2, that's perfectly ok but I would not like to waste an inquiry on them. I think, both Discover & Amex will make inquiries in atleast 2 bureaus.



Scores: 723 (EX CITI Pull 11/09/13), 669 (CK 11/21/13), 680 (EQ Duck Card Score 11/11/13) 664 (Walmart TU FICO Nov '13)
Duck Card - 12K | Amex BCE - 2K | Amex Costco - 1.2K | CITI TY Pref - 6.5K | Chase Freedom - 3K | DCU Visa - 5K | Genisys CU Visa - 2K | Discover More - 4.5K | Cap1 Q Silver - 1500 | Cap One Hassle Free - 1500 | Amazon Store - 1900 | Walmart Store - 800 | Kohls - 300 | Macys - 800
Valued Member
kulamrazool82
Posts: 42
Registered: ‎08-07-2012
0

Re: Went App Spree

Hi OlegWasHere

 

Shall I ask you a question? Having score on 700s, why you went for store cards? You should have applied for premium cards...(Amex, Discover, Chase), isn't it? I learnt from this forum that, while doing App Spree always begin with top Cards as we can get store cards even with low 600s, also we won't get denial for too many inquiries when apping store cards.

 

I see ppl with glamorous portfolio when they are in 700+. With your score you will definitely get higher limits...min 5K per card assuming you don't have any BK in the past.

 

- Syed



Scores: 723 (EX CITI Pull 11/09/13), 669 (CK 11/21/13), 680 (EQ Duck Card Score 11/11/13) 664 (Walmart TU FICO Nov '13)
Duck Card - 12K | Amex BCE - 2K | Amex Costco - 1.2K | CITI TY Pref - 6.5K | Chase Freedom - 3K | DCU Visa - 5K | Genisys CU Visa - 2K | Discover More - 4.5K | Cap1 Q Silver - 1500 | Cap One Hassle Free - 1500 | Amazon Store - 1900 | Walmart Store - 800 | Kohls - 300 | Macys - 800
Regular Contributor
CK_Charles_Lover
Posts: 248
Registered: ‎09-02-2011
0

Re: Went App Spree

Store cards are not just for people with lower scores. They are actually for people who shop at those stores on a regular basis. They can save you a ton of money, which is just as important as a fico score. 

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Went App Spree

Ok to flatly answer your question. I have been Denied in the past. (chase denied 2 times in the past couple years) And have only been able to receive store cards alone.
The denial reason was always not enough revolving accounts
I've saved all my denial and approval letters for everything I've apped for.

Best buy was jointly opened with my mom.
Macy's started me with a 100 dollar limit.

Kohls was 400 after a year and a half of perfect payment with both accounts.

I really only wear Nike and ae clothes everything else is work related ( dress shirts and ties )

When I appd for ae it was in store when I was purchasing 140 dollars worth of clothes and only got approved for the store card.

Walmart I apped online and wasn't given the choice and was approved for 800 store off the bat.

I fear that I am stuck in the toy limit phase.
I'm just starting out my credit journey.

I'm only 21 working full time while attending full time amount of college classes.

My Gross income right now is 24k and paying only about 2-3k a year in actual bills. Apart from my car.

Like I stated I'm going to be applying for an Amex just not sure when. If same day as my co signed lease next month so be it.
Or in feb after all those old inquiries stop affecting my score.

My scores do not have my chase freedom inq or account but the table I posted is up to date with everything.

I think that's so weird that chase account has not reported yet as the statement already cut. And was pif same day. Ughh i was mad about that. Not sure if it will report 250 balance or not.
Current: Discover Fico 689 9/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+