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Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

app spree! few questions

Well after my success with NFCU and my new limit will get reported on Monday there are a few cards I'm targeting. There's only one problem they all pull TU! BOFA to unsecure my secured card, chase freedom, amazon, and Walmart. I really like Barclay's ring card but there is no way I can pull off 5 inquiries and be successful. At the moment I don't feel I qualify for discover or Citi with my one year AAOA and I don't quite think I really need a charge card from amex but haven't really looked into it.

I do have one unpaid derogatory from 2006 amount is 200 for a utility bill that falls off in about 5-6 mos. This I believe would keep me from discover or Citi maybe most likely chase too but I'm going to try.

I may have to recon chase and boa.

Any suggestions? Scores are in my sig
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: app spree! few questions

Why not get chase amazon instead of freedom and amazon?

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!



Take the myFICO Fitness Challenge
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: app spree! few questions

How many cards you need ? Do you know if you apps them all at one days ?? Creditor might not be able to see the recent inquiry. So if its a long term then there shouldnt be any problem. Some creditor like Amex or Discover sometime pull different CB to approved.To be honest with you, Your change getting the cards you want on your list pretty high......But if you plan apps for some cards then garden then i suggest you do them all at once so they all aged and heal at the same time.

 

With credit score closed to 700, you pretty get approved for some decent cards. The only thing is you probably get some ""toys "" limit. But if you only want to get some high limit cards then i suggest you wait a lil bit till your score get up higher than 700 and the collection account shuold be closed to drop off soon. Then your change should be higher than its right now.

Good luck with your spree and keep us updated.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: app spree! few questions

Web what's the chase amazon? I know you have it that's why I ask. I believe GE would give me an initial higher limit than chase and seems more lenient towards cli's
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: app spree! few questions

Chase amazon gives you 1 pt for every dollar on everything. 2 pts for everydollar on gas, restaurant and drugstore, and 3 pts on amazon purchases.

Mine came with a great limit. I also got a BT offer recently. 12 months no interest, 1 percent BT fee.

Most of my retail purchases are on amazon so I like it! No rotating catagories to keep track of. Sure it isn't the "best" rewards card, but it suits my needs since I'm not a fan of citi. Forward is a good card if you like citi

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!



Take the myFICO Fitness Challenge
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: app spree! few questions

3000 pts is equivalent to 30 dollars. You can do cash back, statement credit, or pay with points at amazon.

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!



Take the myFICO Fitness Challenge
Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

Re: app spree! few questions

Plus they have a black version of the card that looks sweet!


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
Imua
Posts: 292
Registered: ‎01-17-2009
0

Re: app spree! few questions


rootpooty wrote:
Well after my success with NFCU and my new limit will get reported on Monday there are a few cards I'm targeting. There's only one problem they all pull TU! BOFA to unsecure my secured card, chase freedom, amazon, and Walmart. I really like Barclay's ring card but there is no way I can pull off 5 inquiries and be successful. At the moment I don't feel I qualify for discover or Citi with my one year AAOA and I don't quite think I really need a charge card from amex but haven't really looked into it.

I do have one unpaid derogatory from 2006 amount is 200 for a utility bill that falls off in about 5-6 mos. This I believe would keep me from discover or Citi maybe most likely chase too but I'm going to try.

I may have to recon chase and boa.

Any suggestions? Scores are in my sig

re BofA, they recently  pulled EX, not TU, for me (hawaii)


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: app spree! few questions

BOFA did pull ex on initial app but I do believe they pull tu to unsecure account. It would be better if they did pull ex
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Valued Member
Yankeefan
Posts: 42
Registered: ‎09-09-2012
0

Re: app spree! few questions

OP, where are located? I'm in CA and chase pulled EX.


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