topic Re: Small App spree in Credit Card Approvals

Small App spree

Anonymous — Mon, 29 Jun 2020 08:26:06 GMT

Scores recently just hit mid 600's so I figured I would apply for a couple things I will get use out of, and allow me to get rid of a few smaller limit cards that I no longer need for rebuild anymore.

Applied and was approved for Kohls store card ($300 CL), Macy's Store card ($400 CL) and Amazon Store card ($2,400 CL). I know 2 of those 3 will grow quickly and Kohls will probably be the one to not budge in the future.

Applied and was denied for Best Buy. They were IIB back in 2016, so I was surprised to see an approval for the Macy's Store card. I'm currently an AU on an AMEX Macy's card, so maybe that helped?

This will allow me to cancel an Indigo, Credit One and a bucketed CapOne. They served their purpose but now its time to move on.

FICO 8 at times of pull were: 662 EQ, 656 for both TU and EX. Unsure of the version, but will update these DP's once the cards arrive.

Kohls and Amazon pulled TU, while Macy's and Best Buy pulled EX.

Re: Small App spree

Anonymous — Mon, 29 Jun 2020 10:49:49 GMT

@Anonymous Super Congrats on your app spree!!!

Re: Small App spree

Anonymous — Mon, 29 Jun 2020 12:37:31 GMT

Congratulations!

Re: Small App spree

Anonymous — Mon, 29 Jun 2020 12:38:51 GMT

First off, CONGRATS!

Second, other than the bottom-feeder cards, why cancel the Cap1? Its a major card from a major issuer, and you obviously have some history with it... Maybe just sock-drawer it instead? Yeah, its bucketed, but it won't HURT you... if you've had it over a year, consider holding on to it... the crappy bottom feeding cards like Credit 1 - yeah, to the left.

Re: Small App spree

gdale6 — Mon, 29 Jun 2020 13:44:38 GMT

Grats to all your approvals and yes if they included AUs in their cals the Amex AU did most likely help.

Re: Small App spree

AllZero — Mon, 29 Jun 2020 14:16:00 GMT

Congratulations on your approvals!

Re: Small App spree

MyFault — Mon, 29 Jun 2020 14:20:18 GMT

Congrats!

Re: Small App spree

M_Smart007 — Mon, 29 Jun 2020 15:21:35 GMT

Re: Small App spree

Anonymous — Mon, 29 Jun 2020 15:25:10 GMT

Congratulations!!

Re: Small App spree

CreditAggie — Mon, 29 Jun 2020 15:39:30 GMT

Congratulations on your approvals!

Re: Small App spree

Anonymous — Mon, 29 Jun 2020 17:11:33 GMT

congrats!

Re: Small App spree

blazerein — Tue, 30 Jun 2020 00:58:53 GMT

Congrats on your approvals. Keep CapOne and keep using it. My bucketted CapOne started at 500SL on credit steps and now it's 3K after 15 months. I used it and sometimes I keep a balance to post. Good Luck.

Re: Small App spree

CreditobsessedinFL — Tue, 30 Jun 2020 01:35:19 GMT

@Anonymous wrote:
Scores recently just hit mid 600's so I figured I would apply for a couple things I will get use out of, and allow me to get rid of a few smaller limit cards that I no longer need for rebuild anymore.

Applied and was approved for Kohls store card ($300 CL), Macy's Store card ($400 CL) and Amazon Store card ($2,400 CL). I know 2 of those 3 will grow quickly and Kohls will probably be the one to not budge in the future.

Applied and was denied for Best Buy. They were IIB back in 2016, so I was surprised to see an approval for the Macy's Store card. I'm currently an AU on an AMEX Macy's card, so maybe that helped?

This will allow me to cancel an Indigo, Credit One and a bucketed CapOne. They served their purpose but now its time to move on.

FICO 8 at times of pull were: 662 EQ, 656 for both TU and EX. Unsure of the version, but will update these DP's once the cards arrive.

Kohls and Amazon pulled TU, while Macy's and Best Buy pulled EX.

LOVVVEEE A MINI SPREE, many congratulations 🎈🍾🎉🎊!!!

Re: Small App spree

nuohlac — Thu, 02 Jul 2020 02:46:42 GMT

Congrats!!!

Re: Small App spree

Meanmchine — Thu, 02 Jul 2020 02:52:06 GMT

Congrats and good luck with yor rebuild !

Re: Small App spree

Anonymous — Sun, 12 Jul 2020 08:38:12 GMT

Just wanted to provide an update on this post. In addtion to the cards I was approved for, there were 3 more approvals.

Overstock ($500 CL)

Chevron Gas Card ($800 CL)

Ashley Home Furniture ($1,300 CL)

After receiving the cards, I applied for a few CLI's based on DP's from others on the forum.

Here are my results:

Ashley Home Furniture increased to $4,500

Overstock increased to $1,300

The other cards are more "time-based" for CLI's and so I will wait for the 60-90 day timeframe, possibly up until 6 months if needed. But back to the garden I go now.

Re: Small App spree

AllZero — Sun, 12 Jul 2020 15:35:14 GMT

@Anonymous wrote:
Just wanted to provide an update on this post. In addtion to the cards I was approved for, there were 3 more approvals.

Overstock ($500 CL)
Chevron Gas Card ($800 CL)
Ashley Home Furniture ($1,300 CL)

After receiving the cards, I applied for a few CLI's based on DP's from others on the forum.

Here are my results:

Ashley Home Furniture increased to $4,500
Overstock increased to $1,300

The other cards are more "time-based" for CLI's and so I will wait for the 60-90 day timeframe, possibly up until 6 months if needed. But back to the garden I go now.

Congratulations on your additional approvals and CLIs!

Re: Small App spree

CreditAggie — Sun, 12 Jul 2020 15:45:08 GMT

@Anonymous wrote:
Just wanted to provide an update on this post. In addtion to the cards I was approved for, there were 3 more approvals.

Overstock ($500 CL)
Chevron Gas Card ($800 CL)
Ashley Home Furniture ($1,300 CL)

After receiving the cards, I applied for a few CLI's based on DP's from others on the forum.

Here are my results:

Ashley Home Furniture increased to $4,500
Overstock increased to $1,300

The other cards are more "time-based" for CLI's and so I will wait for the 60-90 day timeframe, possibly up until 6 months if needed. But back to the garden I go now.

Congratulations on your approvals and CLIs!