topic Re: App Spree!!! maybe... in Credit Card Applications

App Spree!!! maybe...

Anonymous — Mon, 09 Mar 2020 03:23:27 GMT

Hello,

im have been rebuilding my credit however now i am wondering how and if i should do a app spree.

just approved for for Navy federal yesterday! 1000 SL. i checked the discover site and i was pre approved.

Amex also prequalifed me for the amex gold card. what one should i do first? if i did both. Should i apply at the same time with different browsers. i know they both pull from experian which is my best score.

DPs

676 experian fico score. 8 almost 9 year Bk

last card was in december.

6 cards that i have:

morgan jewelers opened 07/13

american united credit union card 1000 CL opened 04/19

capital one secured 700 CL opened 04/19

citi secured 200 CL opened 05/19

My jewelers club CL 5000

Capital one platinum 300 CL 12/19

AAOC 2 years

so what do yall think?? too early for that? or go for it! and how? also i plan on applying for my second Navy fed card in 95 days, would this affect that? i could wait longer on that, i wouldnt mind. let me know

thanks

Re: App Spree!!! maybe...

kerplunk — Mon, 09 Mar 2020 02:08:59 GMT

My personal opinion is that no one should do an "app spree," but in your case, I especially would not recommend it. You should let that garden grow. At least went until your bankruptcy falls off. Always have a plan before making any moves.

Re: App Spree!!! maybe...

AllZero — Mon, 09 Mar 2020 02:13:23 GMT

@Anonymous wrote:
Hello,

im have been rebuilding my credit however now i am wondering how and if i should do a app spree.
just approved for for Navy federal yesterday! 1000 SL. i checked the discover site and i was pre approved.
Amex also prequalifed me for the amex gold card. what one should i do first? if i did both. Should i apply at the same time with different browsers. i know they both pull from experian which is my best score.
DPs
676 experian fico score. 8 almost 9 year Bk
last card was in december.
5 cards that i have:
american united credit union card 1000 CL opened 04/19
capital one secured 700 CL opened 04/19
citi secured 200 CL opened 05/19
My jewelers club CL 5000
Capital one platinum 300 CL 12/19

so what do yall think?? too early for that? or go for it! and how? also i plan on applying for my second Navy fed card in 95 days, would this affect that? i could wait longer on that, i wouldnt mind. let me know

thanks

Congratulations on your Navy approval!

Do you need the credit now? Your starting limits shows a pattern of low limits. If you are seeking more low limit cards, app away. If you have patience, perhaps, wait until your profile gets stronger?

Only app I would recommend is the 2nd Navy card at 91/3.

Re: App Spree!!! maybe...

AllZero — Mon, 09 Mar 2020 02:12:29 GMT

Capital One check for upgrade link

Re: App Spree!!! maybe...

Anonymous — Mon, 09 Mar 2020 02:14:53 GMT

thanks, Bk will be 9 years this year

Re: App Spree!!! maybe...

AllZero — Mon, 09 Mar 2020 02:17:59 GMT

@Anonymous wrote:
thanks, Bk will be 9 years this year

2nd Navy card should give you the breathing room you need for a credit line. Then, you can wait out the remainder for the EE at 10 years.

Re: App Spree!!! maybe...

mikesonthemend — Mon, 09 Mar 2020 03:37:04 GMT

@AllZero wrote:
@Anonymous wrote:
Hello,

im have been rebuilding my credit however now i am wondering how and if i should do a app spree.
just approved for for Navy federal yesterday! 1000 SL. i checked the discover site and i was pre approved.
Amex also prequalifed me for the amex gold card. what one should i do first? if i did both. Should i apply at the same time with different browsers. i know they both pull from experian which is my best score.
DPs
676 experian fico score. 8 almost 9 year Bk
last card was in december.
5 cards that i have:
american united credit union card 1000 CL opened 04/19
capital one secured 700 CL opened 04/19
citi secured 200 CL opened 05/19
My jewelers club CL 5000
Capital one platinum 300 CL 12/19

so what do yall think?? too early for that? or go for it! and how? also i plan on applying for my second Navy fed card in 95 days, would this affect that? i could wait longer on that, i wouldnt mind. let me know

thanks
Congratulations on your Navy approval!

Do you need the credit now? Your starting limits shows a pattern of low limits. If you are seeking more low limit cards, app away. If you have patience, perhaps, wait until your profile gets stronger?

Only app I would recommend is the 2nd Navy card at 91/3.

this!

Re: App Spree!!! maybe...

Anonymous — Mon, 09 Mar 2020 03:45:41 GMT

Amex doesn't care about inq or how many cards you have. I would apply for that one last since they don't care

Re: App Spree!!! maybe...

Anonymous — Mon, 09 Mar 2020 03:48:30 GMT

I would wait a few months before applying actually. You're getting those very low limits almost wasting the HP for them. I would wait til my score goes up so that when you apply you're getting bigger limits. NFCU will give you that. Disco or other cards will probably give you know more than $2K limit at best looking at your other card limits.......Not worth the HP in my opinion. But hey if you want a bunch of low limit credit cards.......ROCK ON! LOL

Re: App Spree!!! maybe...

Anonymous — Mon, 09 Mar 2020 06:03:00 GMT

Waiting until your BK falls off is not the path to rebuilding credit. The rebuilding section is full of posters who have done it with a BK on their report. Right now you are getting low limits because of your scores. Either your utilization is high or you have negatives (lates and other negatives) since the BK. I would make a plan to replace some of those rebuilders (like my jewelers club) with prime cards. To do that you are going to need to get your utilization down. Get some distance between you and any negatives. Don't app spree.

oh and applying for credit in different browsers does nothing to increase your chance of approval despite what you've read.

Re: App Spree!!! maybe...

Anonymous — Mon, 09 Mar 2020 06:18:04 GMT

Yes! You are right 100 percent! I had lates since my BK and collections. However I did credit repair, all collections from Experian are off and my utilization is at 5 percent, which is why I'm thinking of applying for one or both. This month utilization will be at 3 percent. So I'm thinking of going for it and see what happens. Credit repair really helped and I haven't applied for any cards since besides the navy fed. Which there is still 3 collections on TransUnion which I'm still working on, so maybe that's why they only gave me 1k but there are no collections on my Experian, and I know Amex pulls Experian, same with discover.

Re: App Spree!!! maybe...

Brian_Earl_Spilner — Mon, 09 Mar 2020 06:33:08 GMT

Amex can pull more than 1 report. They pulled EX and TU for me.

Re: App Spree!!! maybe...

seattletravels — Mon, 09 Mar 2020 11:19:33 GMT

If you're going to apply, apply for whichever you want the most first. Does the Amex or Discover fit your spending habits better? Do you prefer a rewards structure or cash back?

Personally, I'd recommended waiting for the 2nd Navy card.

Re: App Spree!!! maybe...

Anonymous — Mon, 09 Mar 2020 11:48:09 GMT

Many many dps suggest that 2nd navy card is the best option, wait the 91/3 and you will have a great chance at an awesome card with a real limit, also as a bonus if you do app discover only report income that matches your tax return due to the numerous 4506 t requests, and some users experience suggest discover will be more willing to extend a better limit

With a higher limit card on your profile they do not like to be the first to extend higher limits.

If it were me I would get all my navy cards out of the way first, your profile will look much better to discover amex Citi and others with that second navy card on there

Re: App Spree!!! maybe...

Anonymous — Sun, 15 Mar 2020 00:06:03 GMT

congrats on your amex delta plat, did they pull transunion or exp?

Re: App Spree!!! maybe...

Meanmchine — Sun, 15 Mar 2020 01:59:03 GMT

Good luck with whatever you decide

Re: App Spree!!! maybe...

Anonymous — Sun, 15 Mar 2020 03:15:06 GMT

Thanks, They pulled Experian