topic 3 for 3 on an app spree in Credit Card Approvals

3 for 3 on an app spree

jrrsmith18 — Tue, 17 Mar 2020 17:47:50 GMT

I was looking for a good balance transfer card to transfer around 10k of credit card debt (8k on Discover, 1.1k on Amex, and 1k on CSP) and while on credit karma (i know not the most reliable lol) it said I had a very good chance for the Wells Fargo Propel, Citi Diamond Preferred, and PNC core visa.

I wasn't planning on apping for all three but got approved with Citi at 3.3k, figuring that wouldn't be enough to BT all CC debt, I went to Wells Fargo and got approved for 6k. I also hit up PNC. I saw a recent poster with a pretty good SL and tried my chances. The PNC app went pending but after a call with underwriting the next day I was approved for 6k as well. All have decent 0% BT offers, are there any suggestions on how to spread out the 10k in CC debt? I was thinking 4k on both PNC and Wells and 1k on the Citi and use 1k from savings? Or since all this debt would be on 0%, keep the money I have in savings and put 4.5k on PNC and Wells?

DPs

~8 inquires each bureau

725-745 Fico scores

16% overall Util

Re: 3 for 3 on an app spree

AllZero — Tue, 17 Mar 2020 17:48:34 GMT

Congratulations on your approvals!

Re: 3 for 3 on an app spree

blindambition — Tue, 17 Mar 2020 18:13:10 GMT

Congrats on the approvals. I would put more on the DP and Propel. PNC is conservative. Might be spooked by too high utilization.

Re: 3 for 3 on an app spree

Anonymous — Tue, 17 Mar 2020 18:35:58 GMT

Very nice Approvals

Re: 3 for 3 on an app spree

AverageJoesCredit — Tue, 17 Mar 2020 18:43:14 GMT

Congrats on your WININGGGGG

Re: 3 for 3 on an app spree

AverageJoesCredit — Tue, 17 Mar 2020 18:43:40 GMT

Congrats on your WININGGGGG

Re: 3 for 3 on an app spree

M_Smart007 — Tue, 17 Mar 2020 18:56:59 GMT

Congrats!

Re: 3 for 3 on an app spree

newfossil — Tue, 17 Mar 2020 18:59:57 GMT

Congratulations!

Re: 3 for 3 on an app spree

pinkandgrey — Tue, 17 Mar 2020 20:52:33 GMT

Well that worked out well. Congrats! Huge wins there! Especially that PNC--PNC is known to be a touch conservative lol

Re: 3 for 3 on an app spree

SFLSpotter9210 — Tue, 17 Mar 2020 21:19:11 GMT

Congratulation's on the triple dipper 👍

Re: 3 for 3 on an app spree

Meanmchine — Tue, 17 Mar 2020 22:02:25 GMT

Congrats on your triple play

Re: 3 for 3 on an app spree

KLEXH25 — Wed, 18 Mar 2020 00:07:46 GMT

Congrats on your approvals! If you can afford to pay $1k from your savings and still have some cushion, I'd do that since you'll be paying BT fees anyway, negating any savings rates (especially now). I would put a little more on the Citi (like $1500) and put a little less on the other cards so that your utilization isn't so high ($3750 each). Just make sure you make a payment plan for each card so that you don't fall behind.

Re: 3 for 3 on an app spree

19eighty5 — Wed, 18 Mar 2020 02:26:14 GMT

Congratulations on your approvals!

Re: 3 for 3 on an app spree

Anonymous — Wed, 18 Mar 2020 14:09:19 GMT

Congratulations on your approvals! 👍

Re: 3 for 3 on an app spree

Anonymous — Wed, 18 Mar 2020 17:28:08 GMT

congrats on the approval hat trick!

Re: 3 for 3 on an app spree

Anonymous — Wed, 18 Mar 2020 19:25:40 GMT

Congratulations!

Re: 3 for 3 on an app spree

nuohlac — Thu, 19 Mar 2020 00:06:46 GMT

Congrats on the approval Hat Trick!!!

Re: 3 for 3 on an app spree

seattletravels — Thu, 19 Mar 2020 01:05:12 GMT

Congrats on your approvals!

Re: 3 for 3 on an app spree

Openwater — Thu, 19 Mar 2020 01:15:17 GMT

Well played, you got the turkey! Cheers!

Re: 3 for 3 on an app spree

MyFault — Thu, 19 Mar 2020 01:25:09 GMT

Congrats on your approvals!