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Frequent Contributor
Posts: 293
Registered: ‎03-08-2013
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What is an App Spree? Please describe the details

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

Starting Score: EX: 650 EQ: 630 TU: 620 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2015 / Last App: 05/04/2015 / In the Garden Until: 01/04/2017
Desired Scores EQ 700 EX 700 TU 700
1k 2k 4k $2,200
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: What is an App Spree? Please describe the details


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 :smileytongue:

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?

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
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Posts: 293
Registered: ‎03-08-2013
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Re: What is an App Spree? Please describe the details

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)


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Starting Score: EX: 650 EQ: 630 TU: 620 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2015 / Last App: 05/04/2015 / In the Garden Until: 01/04/2017
Desired Scores EQ 700 EX 700 TU 700
1k 2k 4k $2,200
Frequent Contributor
Posts: 293
Registered: ‎03-08-2013
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Re: What is an App Spree? Please describe the details

I would like to have a credit card that have an easy CLI overtime, so any tips will help.

Starting Score: EX: 650 EQ: 630 TU: 620 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2015 / Last App: 05/04/2015 / In the Garden Until: 01/04/2017
Desired Scores EQ 700 EX 700 TU 700
1k 2k 4k $2,200
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: What is an App Spree? Please describe the details

American Express Platinum...

 

Lots of benefits, free companion ticket on international flights :smileyhappy:

 

Lounges :smileyhappy:


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: What is an App Spree? Please describe the details


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

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Frequent Contributor
Posts: 293
Registered: ‎03-08-2013
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Re: What is an App Spree? Please describe the details

[ Edited ]

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

Starting Score: EX: 650 EQ: 630 TU: 620 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2015 / Last App: 05/04/2015 / In the Garden Until: 01/04/2017
Desired Scores EQ 700 EX 700 TU 700
1k 2k 4k $2,200
Community Leader
Senior Contributor
Posts: 27,115
Registered: ‎02-07-2013
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Re: What is an App Spree? Please describe the details

Attention Attention Jmills please report to the garden Lol

+ Chase ink =




Frequent Contributor
Posts: 293
Registered: ‎03-08-2013
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Re: What is an App Spree? Please describe the details

[ Edited ]

Myjourney came to get me back in the garden. How sweet? I am going back now

Starting Score: EX: 650 EQ: 630 TU: 620 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2015 / Last App: 05/04/2015 / In the Garden Until: 01/04/2017
Desired Scores EQ 700 EX 700 TU 700
1k 2k 4k $2,200
Frequent Contributor
Posts: 293
Registered: ‎03-08-2013
0

Re: What is an App Spree? Please describe the details

Lol, for catching me on other forums. Im Rotfl

Starting Score: EX: 650 EQ: 630 TU: 620 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2015 / Last App: 05/04/2015 / In the Garden Until: 01/04/2017
Desired Scores EQ 700 EX 700 TU 700
1k 2k 4k $2,200
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