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Hello, I have been on the forums and been reading vast information and was curious to know what is an App Spree? When will be a good time to do an App Spree? What should you scores be when doing an App Spree? What credit Cards are good to apply for when yoiu decide to do an App Spree. I am new and trying to gain as much information for my success with obtaining a good credit score. Thanks in advance
@JMills wrote:Hello, I have been on the forums and been reading vast information and was curious to know what is an App Spree? When will be a good time to do an App Spree? What should you scores be when doing an App Spree? What credit Cards are good to apply for when yoiu decide to do an App Spree. I am new and trying to gain as much information for my success with obtaining a good credit score. Thanks in advance
an app spree is when you go crazy (figuratively, not real crazy) and apply for many cards within a very short period of time, usually same day, or within few days, so that each of the banks you apply with do not know that you are applying for other cards with other banks at the same time since CRAs take a while to update.
Scores are dependent upon what cards you are trying to apply. Other factors such as income play a big role as well.
There's no real definite choice of must-have cards. It depends on what you mostly spend on or what you need out of your credit card.
Do you travel a lot? Do you want free extended warranty on your purchases? Do you want cashback, or points, or travel miles? Do you want fast and easy CLI down the road? It depends on what you're trying to do
If you can tell us more I am sure a lot of people will be able to recommend you some cards to get.
What is your approx. score and credit report like?
I am rebuilding my credit, so no App Spree for me anytime soon, I have 3 inquires, two inquires will be remove next year in May 2014 and one collection which will be remove next year, however I am fighting to have them remove it since it has been paid off since 2007. I have some disputes pending with CRa's. I do have goodwill letters out to help me deleted some late payments, although my scores are not high now, but I will strive and aim for it and I know I will get there. So when I get to 700, I just wanted to know what I should do to do an App Spree. I travel a lot international and domestically. I dine out alot. I would love to own an AMex card one day, thats my dream : ) I would like to have rewards points for my purchases. I never had a discover card, so I would like to have that. I know in the next 6 months with all the work I am putting in. My scores will go up. I just paid some credit cards off with a zero balance.
Starting Score: EQ 499, TU 516, EX 501,
Current Score: EQ 499, TU 516, EX 501
Goal Score: 700 for all three (08-31-2014)
Take the myFICO Fitness Challenge
I would like to have a credit card that have an easy CLI overtime, so any tips will help.
American Express Platinum...
Lots of benefits, free companion ticket on international flights
Lounges
@JMills wrote:I would like to have a credit card that have an easy CLI overtime, so any tips will help.
get any GE based cards.
You can google search or search this forums for a list of GE backed cards.
They're the easiest to get CLI from what I read
What are GE Based cards, What is GE? I am newbie and some the Acroynms I am unfamilar with, Thanks advance for all your knowledge
Attention Attention Jmills please report to the garden Lol
Myjourney came to get me back in the garden. How sweet? I am going back now
Lol, for catching me on other forums. Im Rotfl