topic Re: Mini-App Spree Results $36,000 in Credit Card Approvals

Mini-App Spree Results $36,000

mapkos13 — Sat, 22 Feb 2014 18:17:05 GMT

So I was bouncing around the forums one day browsing and came across this "app spree" thing.

Although the name says it all, I wasn't sure what the pros and cons were so after a little research I figured I'd give it a shot.

I began with AMEX BCP, followed by Logix, a NFCU Flagship Rewards CLI, and BOA Cash Rewards.

AMEX- Pulled EX at 695 and approved for $5,600

NFCU- Pulled TU at 702 and approved for CLI from $27k to $40,000

Bank of America- Pulled EX at 695 and approved for $15,000

Logix- Pulled EX and received an approval email for $15,000 with the std. "bank rep will be in touch in 1 day to finalize..."

Called them a couple of days later and they said it was denied. When I asked why he said it showed too many maxed out cards?

This was a little strange considering I have one card with $9,000 on a $10,000 limit, my NFCU had $15,000 on a $27,000 limit

and none of my other cards had any balance at all.

When I told him that doesn't make sense he said "well it's also because we don't do business in MN." I then asked to speak to someone

because I said if you don't do business here, then you should have never done a HP on my EX report and taken my credit app. He had

someone call me when the dept opened who took some information and said they would call back. That was Tuesday and it's still showing

and no call back yet.

Kind of BS if they try to pull this and I will fight it because if you cannot extend credit in a state that you don't do business with, you should have

never taken my app and therefore should have never pulled my report.

Anyway, not to move too far off topic but just a warning.

Either way, I think my mini-app spree was pretty good. $33,600 in new credit on four HP's- (3 EX and 1 TU....soon to be three)

Re: Mini-App Spree Results $36,000

coldnmn — Sat, 22 Feb 2014 18:54:33 GMT

Congrats on the app spree! Grrr! On the MN BS! Thanks for sharing.

Re: Mini-App Spree Results $36,000

-Wade- — Sat, 22 Feb 2014 19:01:58 GMT

@mapkos13 wrote:
So I was bouncing around the forums one day browsing and came across this "app spree" thing.

Although the name says it all, I wasn't sure what the pros and cons were so after a little research I figured I'd give it a shot.

I began with AMEX BCP, followed by Logix, a NFCU Flagship Rewards CLI, and BOA Cash Rewards.

AMEX- Pulled EX at 695 and approved for $5,600

NFCU- Pulled TU at 702 and approved for CLI from $27k to $40,000

Bank of America- Pulled EX at 695 and approved for $15,000

Logix- Pulled EX and received an approval email for $15,000 with the std. "bank rep will be in touch in 1 day to finalize..."

Called them a couple of days later and they said it was denied. When I asked why he said it showed too many maxed out cards?
This was a little strange considering I have one card with $9,000 on a $10,000 limit, my NFCU had $15,000 on a $27,000 limit
and none of my other cards had any balance at all.

When I told him that doesn't make sense he said "well it's also because we don't do business in MN." I then asked to speak to someone
because I said if you don't do business here, then you should have never done a HP on my EX report and taken my credit app. He had
someone call me when the dept opened who took some information and said they would call back. That was Tuesday and it's still showing
and no call back yet.

Kind of BS if they try to pull this and I will fight it because if you cannot extend credit in a state that you don't do business with, you should have
never taken my app and therefore should have never pulled my report.

Anyway, not to move too far off topic but just a warning.

Either way, I think my mini-app spree was pretty good. $33,600 in new credit on four HP's- (3 EX and 1 TU....soon to be three)

Congrats on your app spree

Re: Mini-App Spree Results $36,000

yudeology101 — Sat, 22 Feb 2014 19:17:59 GMT

WTG Congrats on your approvals! Shoot, $36k in new credit line from an app spree is beyond "pretty good" in my book...it's amazing! Enjoy your new cards.

Re: Mini-App Spree Results $36,000

Sooners2013 — Sat, 22 Feb 2014 20:07:55 GMT

HOw long had you had your NFCU card when you asked for the CLI?

Re: Mini-App Spree Results $36,000

gdale6 — Sat, 22 Feb 2014 20:12:42 GMT

Congrats on a great run OP

Yes Logix does no business in MN, its operating area is not even the entire US West.

Re: Mini-App Spree Results $36,000

mapkos13 — Sat, 22 Feb 2014 21:31:53 GMT

I had the CC just over a year. Actually maybe 18 months now that I think about it.

The Logic thing just pissed me off. That is an awful system if that's the case.

They need to have very basic logic in their process. Here's a thought... What state do you live iin? No option for yours in the drop down... sorry, we don't service that area. no app taken, no credit pulled.

I'd like to say that's genius but any idiot could figure that out!

Re: Mini-App Spree Results $36,000

Creditaddict — Sat, 22 Feb 2014 21:40:55 GMT

Logix is on a terrible tear of going against the computer system and it just maddens me if they are going to offer such TERRIBLE customer service and underwriting why not take the instant automated computer system away... I would have a lot less negative things to say and feel about them had I not gotten the instant approval and same for you I have a feeling on not being in "state"

They have quickly climbed up my hate list and with each new report of the same thing happening I hate them more... it's stupid.

Re: Mini-App Spree Results $36,000

efranklin23 — Sun, 23 Feb 2014 11:53:13 GMT

Congrats on the app spree! I wonder if the real reason for the Logix denial is really because of all new CLIs/HPs? I know the main CBs don't show the new CLIs but as I noticed with the smaller CBs (innovis for example) that CLIs are started to appear almost as instant as HPs.

Re: Mini-App Spree Results $36,000

alvon123 — Sun, 23 Feb 2014 14:12:22 GMT

great job!!!!

Re: Mini-App Spree Results $36,000

lhcole77 — Sun, 23 Feb 2014 17:35:11 GMT

Congrats on approvals, OP. Sorry to hear about Logix. I just looked them up and seems some people's approvals for their products were SP and that they maybe used Vantage Score. Are you certain you got an EX HP? Did you first try to open an account or just app'ed for CC without membership?

I also saw a couple approvals online for peeps in MN...

Re: Mini-App Spree Results $36,000

mapkos13 — Sun, 23 Feb 2014 17:51:39 GMT

Yes, def a HP as it posted to my Experian credit report on the 15th when I did my AMEX account. I did not have a membership and went for the CC but maybe should have rethrought that one.

I did see some people with Logix in MN on the Credit Pulls Database website. I'm going to call again tomorrow and see what's going on with the MN thing.

I'll update as I find out more.

Re: Mini-App Spree Results $36,000

aubie1kenobie2 — Sun, 23 Feb 2014 18:12:37 GMT

I wouldn't call it a mini-app spree, this is more like a great app spree to me! Congrats!

Re: Mini-App Spree Results $36,000

lhcole77 — Sun, 23 Feb 2014 18:17:22 GMT

Good thinking, mapkos. I'm reading up on them right now. They deff seem appealing. Good luck with the call.

Re: Mini-App Spree Results $36,000

heygirlhey — Sun, 23 Feb 2014 18:25:14 GMT

36K! Wow I obviously did something wrong in my mini app spree, lol. By mini I only did 3 and was approved for 2. womp womp womp

Re: Mini-App Spree Results $36,000

mapkos13 — Sat, 01 Mar 2014 01:35:35 GMT

So I spoke to Logix and they told me to send in a copy of the report with the pull on it and they would remove it.

I guess we'll see what happens on my next monthly report.

Seemed nice enough but I thought the system was crap.