topic Re: Bread Amex Approval - $5,000 SL! App Spree Concludes in Credit Card Approvals

Bread Amex Approval - $5,000 SL! App Spree Concludes

LADave — Fri, 10 Feb 2023 15:21:33 GMT

My spree ends here. This is my last card for at least the next 6 months. And that's it! Nothing else!

Here's the unedited footage of me just after I wrapped up my credit application spree

After my recent Synchrony/Sleep Number approval, I wanted some extra padding, since I'll be nearly maxing out the Sleep Number card for a while with the 36 month 0% special. (I didn't intend any pun by mentioning "padding" - but that would have been interesting, wouldn't it?)

The Bread Amex has been on my radar for a while, in part because it's a 2% card, and in part because it's got some Amex offers. (I got spoiled last year from having a second 2% cash back card, after Chase gave me an extra 1% on non-category spend on my Amazon Prime card for signing up for checking.) Bread is also known for high approvals, which helps with my credit padding - which is what I really wanted from this card.

Bread/Comenity approved me for $5K. They pulled Experian, which had a FICO 8 score of 700, and which now shows 694.

Here are the results of my spree and recent CLIs:

$8,500 Synchrony/Sleep Number
$5,000 Bread
$3,000 Bank of the West
$3,400 Wells Fargo CLI (Autograph - from $1700 to $5100)
$500 Capital One CLI (SavorOne - from $5000 to $5500)

That's $20,400 in credit that I didn't have before my spree. I also got declined for a Venture X and a Barclays AAdvantage Red card. I'm going to stop now before Synchrony gives me the side eye 😂

This keeps my overall utilization below 26% - much higher than I want it to be, but still OK - while still paying no interest. As I pay down my 0% balances, my utilization will improve.

Edit: I also briefly considered the PayPal and SoFi Mastercards. The biggest issue for me with the PayPal card was that it's from Synchrony, which is the company that I just got approved with for Sleep Number. SoFi was promising for its SUB of an extra 1% cash back for the first year, but I wasn't as confident about getting a high SL with them, and they don't do CLIs.

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

schsa210 — Thu, 09 Feb 2023 20:26:49 GMT

Congrats!

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

nytokyobred79 — Thu, 09 Feb 2023 21:00:24 GMT

What a successful spree. Impressive run of success. Now head to the garden bc I need be firmly entrenched their myself 😅

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

captainsensation — Thu, 09 Feb 2023 21:19:37 GMT

Similar situation. I went on an app spree and i got declined NFL visa from Comenity. I didnt realize it was one of their cards after going for Bread Amex a week earlier. I like Bread Amex so far. 6000 approval and once i got the card i asked for an increase and it jumped to 8000!!! I am hoping it is like other comenity cards that tend to approve increases after 91 days.

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

KingRue8500 — Thu, 09 Feb 2023 22:28:39 GMT

Congrats on your Bread Cashback AMEX approval

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

cashorcharge — Thu, 09 Feb 2023 22:50:20 GMT

WooHoo!! Congratulations on your Bread Approval!!👏🏼🍾🥂

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

CreditAggie — Thu, 09 Feb 2023 23:23:11 GMT

Congratulations on your Bread Amex approval!

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

Anonymous — Thu, 09 Feb 2023 23:50:17 GMT

Congratulations

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

NoMoreDebt — Fri, 10 Feb 2023 00:09:51 GMT

congrats on the amex

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

JoeRockhead — Fri, 10 Feb 2023 12:32:26 GMT

Nice SL, congratulations on your new Bread!!

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

CreditMagic7 — Thu, 23 Feb 2023 13:13:40 GMT

Congratulations on your new Bread Amex approval!

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

Yasselife — Thu, 23 Feb 2023 19:58:43 GMT

@LADave Congratulations on your new Bread Amex approval.🎊🎉

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

LADave — Thu, 23 Feb 2023 21:21:30 GMT

@Yasselife wrote:
@LADave Congratulations on your new Bread Amex approval.🎊🎉

Thank you @Yasselife! And to everyone else I haven't acknolwedged yet, since I can't thank you all. (Really, I can't. The forum only lets me name 10 people in a post.)

@nytokyobred79 wrote:
What a successful spree. Impressive run of success. Now head to the garden bc I need be firmly entrenched their myself 😅

@nytokyobred79 I did grow a $1,000 CLI on the Bread Amex. Does that count as gardening? 😁

Re: Bread Amex Approval - $5,000 SL! App Spree Concludes

nytokyobred79 — Fri, 24 Feb 2023 01:34:49 GMT

I've alwaya wondered. I look at it as if a flower just happens to blooming more than usual and producing more fruit and nectar. Hah