topic Re: Many App Approvals!!!!! :) in Credit Card Approvals

Many App Approvals!!!!! :)

Anonymous — Wed, 23 Jul 2014 20:20:56 GMT

Alright, some of you guys may find this a little weird, as do i! I am new to credit and have really low scores! These scores were as of last week when i pulled all of my scores and they were accurate with the same score i had on my electric bill!

Here is where it gets fun, i have a First Premier card, it reported to all three with a $269 balance of $400 credit limit, they reported in the middle of the month, i pay off all cards monthly. So, it reported that to my credit, and all of my scores magically BUMP, and they BUMPED HARD! Mind you that FP isn't the only card i have on the report. I have two capital ones, Fingerhut, and a US bank all reporting too.

Pervious:

EX: 524
TU:525

EP:518

New:

EX:678

TU:676

EP:660

Now, please tell me how these would jump in this way, with a negative ding on the report! Mind blown right?

New Cards: Mind you i have less than 4 months of credit!

Firestone- $900
JC penny- $100
Walmart- $150
GAP- $200
Bannana Republic-$400
Dillards- $300
Lord and Taylor- $300
Chevron- $300
TJX Rewards- $250
Kemba Credit Union- $500
Credit One- $300
PREVIOUS CARDS:
Capital one Quicksilver One- $500
Capital One Journey's- $500
US BANK College Student- $600
Fingerhut- $400
First Premier $400

You could imagine my excitment, especially the credit score jump, now i know it will lower because of the new accounts, but i don't need any further credit in the near future and will most likely freeze my reports to stop the temtation of applying!

Thanks!!!!!! BTW i learned it all from you guys and will continue too!!!! Read all new posts everynight before bed!

Re: Many App Approvals!!!!! :)

coldnmn — Wed, 23 Jul 2014 19:11:33 GMT

Congrats! Thanks for sharing.

Re: Many App Approvals!!!!! :)

-Wade- — Wed, 23 Jul 2014 19:12:03 GMT

@Anonymous wrote:
Alright, some of you guys may find this a little weird, as do i! I am new to credit and have really low scores! These scores were as of last week when i pulled all of my scores and they were accurate with the same score i had on my electric bill!

Here is where it gets fun, i have a First Premier card, it reported to all three with a $269 balance of $400 credit limit, they reported in the middle of the month, i pay off all cards monthly. So, it reported that to my credit, and all of my scores magically BUMP, and they BUMPED HARD! Mind you that FP isn't the only card i have on the report. I have two capital ones, Fingerhut, and a US bank all reporting too.

Pervious:
EX: 524
TU:525
EP:518

New:
EX:678
TU:676
EP:660

Now, please tell me how these would jump in this way, with a negative ding on the report! Mind blown right?

New Cards: Mind you i have less than 4 months of credit!

JC penny- $100
Walmart- $150
GAP- $200
Bannana Republic-$400
Dillards- $300
Lord and Taylor- $300
Chevron- $300
TJX Rewards- $250
Kemba Credit Union- $500
Credit One- $300
PREVIOUS CARDS:
Capital one Quicksilver One- $500
Capital One Journey's- $500
US BANK College Student- $600
Fingerhut- $400
First Premier $400
You could imagine my excitment, especially the credit score jump, now i know it will lower because of the new accounts, but i don't need any further credit in the near future and will most likely freeze my reports to stop the temtation of applying!

Thanks!!!!!! BTW i learned it all from you guys and will continue too!!!! Read all new posts everynight before bed!

Congrats on your success Now you need to stop apping and garden

Re: Many App Approvals!!!!! :)

Tony275 — Wed, 23 Jul 2014 19:13:43 GMT

Congrats!! Now come join us in the garden!!

Re: Many App Approvals!!!!! :)

tonyjones — Wed, 23 Jul 2014 20:21:37 GMT

Congrats! , but why so many store cards lol

Re: Many App Approvals!!!!! :)

2NE1 — Wed, 23 Jul 2014 20:37:05 GMT

Congrats on the approvals... but how were you able to generate a score with only a 4 month credit history??

Re: Many App Approvals!!!!! :)

taxi818 — Wed, 23 Jul 2014 20:44:15 GMT

He said he got dings. So history longer. Just his aa of a

Re: Many App Approvals!!!!! :)

alvon123 — Wed, 23 Jul 2014 21:07:15 GMT

congrats!!!!

Re: Many App Approvals!!!!! :)

Creditaddict — Wed, 23 Jul 2014 21:49:17 GMT

why would you open a credit one... close it now before you pay the extreme fees... you don't need it!

Re: Many App Approvals!!!!! :)

Creditaddict — Wed, 23 Jul 2014 21:49:41 GMT

and I would close first premier now too.

Re: Many App Approvals!!!!! :)

gdale6 — Wed, 23 Jul 2014 23:16:30 GMT

Grats to all your approvals

Re: Many App Approvals!!!!! :)

Anonymous — Thu, 24 Jul 2014 00:30:40 GMT

@ Creddit Addict, i am seriously going to consider it, but honesly i opted for credit one first, and it was 3-4 days ago, and i only had the First Premier to start my credit, now it seems.... What people try to build for 6 months- 1 year. I just did in 4 months with a score like that... And reports like that.... I don't know how.. Or why my score jumped over 140 Points for a ding!

I will definitely keep everyone updated on the credit situation!!!

Re: Many App Approvals!!!!! :)

Chaselover — Thu, 24 Jul 2014 00:47:24 GMT

I also think as u hav these many cards, u shud immediately close the first premier.

Re: Many App Approvals!!!!! :)

Kenny — Thu, 24 Jul 2014 01:02:54 GMT

@Anonymous wrote:
Alright, some of you guys may find this a little weird, as do i! I am new to credit and have really low scores! These scores were as of last week when i pulled all of my scores and they were accurate with the same score i had on my electric bill!

Here is where it gets fun, i have a First Premier card, it reported to all three with a $269 balance of $400 credit limit, they reported in the middle of the month, i pay off all cards monthly. So, it reported that to my credit, and all of my scores magically BUMP, and they BUMPED HARD! Mind you that FP isn't the only card i have on the report. I have two capital ones, Fingerhut, and a US bank all reporting too.

Pervious:
EX: 524
TU:525
EP:518

New:
EX:678
TU:676
EP:660

Now, please tell me how these would jump in this way, with a negative ding on the report! Mind blown right?

New Cards: Mind you i have less than 4 months of credit!
Firestone- $900
JC penny- $100
Walmart- $150
GAP- $200
Bannana Republic-$400
Dillards- $300
Lord and Taylor- $300
Chevron- $300
TJX Rewards- $250
Kemba Credit Union- $500
Credit One- $300
PREVIOUS CARDS:
Capital one Quicksilver One- $500
Capital One Journey's- $500
US BANK College Student- $600
Fingerhut- $400
First Premier $400
You could imagine my excitment, especially the credit score jump, now i know it will lower because of the new accounts, but i don't need any further credit in the near future and will most likely freeze my reports to stop the temtation of applying!

Thanks!!!!!! BTW i learned it all from you guys and will continue too!!!! Read all new posts everynight before bed!

Congratulations on your approvals! Thanks for sharing.

Re: Many App Approvals!!!!! :)

Hubcapjw — Fri, 25 Jul 2014 01:35:22 GMT

Not to be Debbie downer here but I think that what the OP did was kinda stupid cause all your gonna do is tank your score for a while. Not to mention that you got a bunch of worthless cards. I would try to stick with big banks cards and rebuild with low limits until you grow your score and possibly get increases on those cards, setting you up for bigger and better cards with better banks, rewards , and better credit limits. You just tanked yourself for awhile. Sorry for the tough post but just my opinion.

Re: Many App Approvals!!!!! :)

JoshNurse — Fri, 25 Jul 2014 03:33:05 GMT

Congrats on the JC Penny card! I hear its one of the hardest cards to obtain. Congrats on all of those prestigous store cards with high credit limits!

Jk ignore me I am very immature in real life and I hope I dont get banned because I love these forums.

Re: Many App Approvals!!!!! :)

One7 — Fri, 25 Jul 2014 05:34:37 GMT

@Anonymous wrote:
Alright, some of you guys may find this a little weird, as do i! I am new to credit and have really low scores! These scores were as of last week when i pulled all of my scores and they were accurate with the same score i had on my electric bill!

Here is where it gets fun, i have a First Premier card, it reported to all three with a $269 balance of $400 credit limit, they reported in the middle of the month, i pay off all cards monthly. So, it reported that to my credit, and all of my scores magically BUMP, and they BUMPED HARD! Mind you that FP isn't the only card i have on the report. I have two capital ones, Fingerhut, and a US bank all reporting too.

Pervious:
EX: 524
TU:525
EP:518

New:
EX:678
TU:676
EP:660

Now, please tell me how these would jump in this way, with a negative ding on the report! Mind blown right?

New Cards: Mind you i have less than 4 months of credit!
Firestone- $900
JC penny- $100
Walmart- $150
GAP- $200
Bannana Republic-$400
Dillards- $300
Lord and Taylor- $300
Chevron- $300
TJX Rewards- $250
Kemba Credit Union- $500
Credit One- $300
PREVIOUS CARDS:
Capital one Quicksilver One- $500
Capital One Journey's- $500
US BANK College Student- $600
Fingerhut- $400
First Premier $400
You could imagine my excitment, especially the credit score jump, now i know it will lower because of the new accounts, but i don't need any further credit in the near future and will most likely freeze my reports to stop the temtation of applying!

Thanks!!!!!! BTW i learned it all from you guys and will continue too!!!! Read all new posts everynight before bed!

Congratulations on all your success! This is the exact route I took whenever I started to rebuild my credit back in February of last year. My scores were in mid 500s and now they are low to mid 700s. I also had a Credit One account for one year and cut it right before the next AF hit and it did wonders for my scores. At one point I had 6 store cards, fingerhut and two bank cards and look at me now!! My scores went over 700 right around the one year mark (keep in mind I didn't have a single credit card until February 1st 2013). Next year I'll probably cut my comenity cards, my fingerhut account and my Cap 1 secured card leaving me with the cards I have now but with higher limits and better scores. I think you are doing great and keep up with your success. Don't let others put you down and keep to your plan. Good job and congratulations again. It's worked for me

Re: Many App Approvals!!!!! :)

Anonymous — Sat, 26 Jul 2014 15:46:01 GMT

Wow now that is an app spree! Congrats! A little time in the garden, as others here have suggested, should do even more wonders for your score.

Re: Many App Approvals!!!!! :)

Anonymous — Sat, 26 Jul 2014 15:53:41 GMT

Congrats!

Re: Many App Approvals!!!!! :)

Anonymous — Sat, 26 Jul 2014 17:02:05 GMT

8+ GECRB cards

+1 to Hubcapjw