topic Re: Getting ready for mini spree. in Credit Card Approvals

Getting ready for mini spree - Update: Approved

MakingProgress — Sun, 11 Feb 2018 15:37:03 GMT

I plan on going on a mini spree in March. I am looking for a Discover for the 5% cash back rotating catagories, and a Citi Double CB. Provided I get at least one of those I plan to ask Cap One to combine my cards onto the QS1 and get my deposit back from the secured. I would like to PC the QS1 to a QS and avoid the annual fee. The annual fee won't come up until July so should I wait on the PC or ask for now?

As far as my mini spree goes is it best to do the apps the same day?

Current EX Fico 8 699

Current Baddies - 3 120day lates, 1 30 day late

Current Good - Cap One Platninum 500CL (secured), QS1 3300 CL, State Farm Car Loan, AU on Sync Lowes 8400 CL.

Mod note: I've updated your subject to reflect your approvals; feel free to change/edit if you would like. --UB

Re: Getting ready for mini spree.

jlitnns — Fri, 09 Feb 2018 18:04:55 GMT

I don't think there is any harm in asking to PC to QS right now. I did it last month and my AF on my QS1 wasn't due until June but I figured why not.

Re: Getting ready for mini spree.

BronzeTrader — Fri, 09 Feb 2018 19:48:21 GMT

I do not think you can call 2 card application as a spree, even a mini one. Just a double applications.

Re: Getting ready for mini spree.

Gmood1 — Fri, 09 Feb 2018 20:02:46 GMT

Use Discover prequal and grab it on a SP. Then app for Citi card.

Re: Getting ready for mini spree.

MakingProgress — Fri, 09 Feb 2018 20:41:41 GMT

wrote:
I do not think you can call 2 card application as a spree, even a mini one. Just a double applications.

When you are as conservitive as I am anything more than 1 every six months is a spree.

Re: Getting ready for mini spree.

Anonymous — Sat, 10 Feb 2018 00:33:31 GMT

wrote:
I plan on going on a mini spree in March. I am looking for a Discover for the 5% cash back rotating catagories, and a Citi Double CB. Provided I get at least one of those I plan to ask Cap One to combine my cards onto the QS1 and get my deposit back from the secured. I would like to PC the QS1 to a QS and avoid the annual fee. The annual fee won't come up until July so should I wait on the PC or ask for now?

As far as my mini spree goes is it best to do the apps the same day?

Current EX Fico 8 699
Current Baddies - 3 120day lates, 1 30 day late
Current Good - Cap One Platninum 500CL (secured), QS1 3300 CL, State Farm Car Loan, AU on Sync Lowes 8400 CL.

How long ago are the lates?

Re: Getting ready for mini spree.

BronzeTrader — Sat, 10 Feb 2018 01:18:58 GMT

wrote:
wrote:
I do not think you can call 2 card application as a spree, even a mini one. Just a double applications.

When you are as conservitive as I am anything more than 1 every six months is a spree.

Good luck with your spreeing.

If one card application every 6 months is a spree, then 100% of us here are spreeing. We can still stay within 5/24 after all the spreeing.

Re: Getting ready for mini spree.

HeavenOhio — Sat, 10 Feb 2018 02:53:37 GMT

Ask for a PC on the QS1 now. If an offer isn't available, ask again in a month. Rinse and repeat every month until you're successful. It may take some patience as QS1s aren't easy to PC. Also, use the card for a transaction or two (or more) each month, and make a payment each month. I was able to PC my two QS1s after about 12 or 13 consecutive months of usage. I can't guarantee that there was a connection, but using the card is a safer tack than not using it.

Re: Getting ready for mini spree.

Anonymous — Sat, 10 Feb 2018 03:25:57 GMT

Your not going to get in with Citi with three 120 day lates.

Re: Getting ready for mini spree.

MakingProgress — Sat, 10 Feb 2018 04:12:28 GMT

They are 3 consecutive that will drop off my report in September.

I know Citi is tough by I did get a pre-qual offer so I might as well give it a shot.

As for the pc. I have had the QS1 for 6 months and they gave me an auto CLI OF 3K this month.

Re: Getting ready for mini spree.

Anonymous — Sat, 10 Feb 2018 04:23:04 GMT

If I could make a suggestion. Forget about the Double Cash for now. The Discover it offers 2% cashback on all purchases for the first year. Find another card that could be more use to you for now and if in a year you still want the Double Cash, get it then.

Re: Getting ready for mini spree.

MakingProgress — Sat, 10 Feb 2018 14:34:57 GMT

Any suggestions ?

Re: Getting ready for mini spree.

MakingProgress — Sat, 10 Feb 2018 21:42:43 GMT

So I did my mini spree a little earlier than planned. I was buying some stuff on Amazon today and the total came to $72.01, of course I got the nag to apply for the Prime Rewards Visa and get $70 off. I figued what the heck, and applied. I got that one with a 5K CL

Since I did the Amazon thing I went over to Discover and got approved there with a CL of 11.5K. Then I decided to try for AMEX Blue Cash Everyday (since I have never in my life had an AMEX) and got approved for a 6K CL.

Against advice here I went over to Citibank and tried for the Citi Double Cash and got the dreaded 7-10 wait message. Probably means No, but we will see.

Still not bad I went from total CL of 3.8K to 26.3K all in about 15 minutes.

Back to the Garden until at least Oct 1.

Re: Getting ready for mini spree.

Anonymous — Sat, 10 Feb 2018 22:09:52 GMT

If Citibank sends you to the Pit of Misery, you may have to wait there until those lates fall off, and then apply again. Your chances will be much better then.

Dilly, Dilly.

Re: Getting ready for mini spree.

AverageJoesCredit — Sat, 10 Feb 2018 23:18:13 GMT

Lol, no dilly dilly haha

Those are really great sls. Your spree turned into Sweet tarts. Fantastic job. Ive never seen anyone spree 18 months in 1 day

Re: Getting ready for mini spree.

MakingProgress — Sun, 11 Feb 2018 01:51:55 GMT

Cap One did the pc on my QS1 so I now have the QS with no annual fee. They wouldn't combine my secured card with it so I closed that one. It is my oldest card in my name by about 10 months, I am AU on an older card. The baby CL isn't worth letting them keep my $200 any more. It will be interesting to see what the HPs, new accts and closing an account do to my FICO score.

Re: Getting ready for mini spree.

joltdude — Sun, 11 Feb 2018 04:16:55 GMT

Op:

I wouldn't sweat it.. might notice some temporary ups and downs but should stablize in a few months.... at most 6 months.. But your pretty much done apping for the year so I wouldn't sweat it.. just garden and let it grow on its own... Did you get the Citi afterall or did it end up being a denial.. either way.. As long as you keep gardening and paying things on time.. things will grow.. and esp if i recall you said some stuff was falling off in Sept...

Congrats.. that was a pretty successfull spree.. Nothing mini about it =)

-J

Re: Getting ready for mini spree.

jlitnns — Mon, 12 Feb 2018 16:56:40 GMT

Nice SL's on all 3 of those cards and the PC to QS!

Re: Getting ready for mini spree.

theBeardedNerd — Mon, 12 Feb 2018 16:58:34 GMT

Congrats on your approvals!

Re: Getting ready for mini spree. 4 for 4

MakingProgress — Thu, 15 Feb 2018 20:21:30 GMT

I wasn't getting any updates from Citibank on my 7-10 day wait so I called the reconsideration line. They said I they had a ssn mismatch on my app. Not sure how that happend cause they pulled my credit report already. However with the correct ssn I got the Citi Double Cash Rewards card with a $7,900 CL!