topic Re: App Spree Coming Soon in Credit Card Applications

App Spree Coming Soon

Anonymous — Tue, 22 Sep 2020 05:14:19 GMT

So I will be closing on my mortgage at the end of Oct. I want to app for at least 3 cards, I'm thinking 1 pull from each CB. I want to do Amex for the EX but still have not decided. I will deffiently be using my TU pull for my second NF card. For the EQ pull I opened an account and PenFed and will probably use that pull for one of their cards. I was checking my offers on the EX site and all the Cap1 cards were listed. I do have a QS1 with a low limit that will probably never grow. I was curious of would it be worth it to close the card then maybe app for the Savor1 or Venture1. But it's also a 3B pull witch I would maybe want to avoid. Also opened a checking account with Chase and I'm at 5/24 but will be under in March. So many choices and advice would be appreaciated. Then off too the garden I go for at least 2 years to age my profile and mortgage.

Re: App Spree Coming Soon

AllZero — Tue, 22 Sep 2020 05:21:34 GMT

Your first option appears to be your best option; AmEx NFCU, PFCU.

Capital One if you want 3 HP for 1 card.

Re: App Spree Coming Soon

blindambition — Tue, 22 Sep 2020 05:31:04 GMT

@Anonymous wrote:
So I will be closing on my mortgage at the end of Oct. I want to app for at least 3 cards, I'm thinking 1 pull from each CB. I want to do Amex for the EX but still have not decided. I will deffiently be using my TU pull for my second NF card. For the EQ pull I opened an account and PenFed and will probably use that pull for one of their cards. I was checking my offers on the EX site and all the Cap1 cards were listed. I do have a QS1 with a low limit that will probably never grow. I was curious of would it be worth it to close the card then maybe app for the Savor1 or Venture1. But it's also a 3B pull witch I would maybe want to avoid. Also opened a checking account with Chase and I'm at 5/24 but will be under in March. So many choices and advice would be appreaciated. Then off too the garden I go for at least 2 years to age my profile and mortgage.

The important questions- What do you spend on? Cash back or Travel cards?

Re: App Spree Coming Soon

GApeachy — Tue, 22 Sep 2020 05:41:01 GMT

@AllZero

I did what you're thinking.....

I got the Savor with a $5k limit. Closed the bucketed QS. Since then I've pc'd Savor several times, run spend but it's never enough and barely grew in limit. Now all or most of the friendly perks we used to enjoy are gone. I'd save those 3 hp's for 1 product for something more user-friendly like a Boat, lol! (I know, off topic)

App Sprees are fun and your first line up idea looks really good. Good Luck!

Re: App Spree Coming Soon

OmarGB9 — Tue, 22 Sep 2020 09:02:56 GMT

I think your Amex/NFCU/Penfed trifecta is a good idea. BTW, ignore EX's "offers." They're nothing more than marketing. Not actual pre approvals at all.

Re: App Spree Coming Soon

Anonymous — Tue, 22 Sep 2020 10:58:25 GMT

^^^ every word of this.

Re: App Spree Coming Soon

Anonymous — Tue, 22 Sep 2020 14:36:17 GMT

Thanks everyone, I guess I will go with my original plan. I also realized I won't be able to hit all the spend too PIF too get the Subs. Especially just buying a house. Well I could easily hit it but will be carrying a balance. Thinking the gold from Amex but that has a 4000 dollar spend. The other two cards will be much easier too hit. Was maybe also thinking of going with the EDP as well. Or maybe even the Green card. Or even a revolver.

Re: App Spree Coming Soon

BmoreBull — Tue, 22 Sep 2020 14:40:53 GMT

@Anonymous wrote:
Thanks everyone, I guess I will go with my original plan. I also realized I won't be able to hit all the spend too PIF too get the Subs. Especially just buying a house. Well I could easily hit it but will be carrying a balance. Thinking the gold from Amex but that has a 4000 dollar spend. The other two cards will be much easier too hit. Was maybe also thinking of going with the EDP as well. Or maybe even the Green card. Or even a revolver.

Have you done any of the prequals for Amex? The prequal from Navy is said to be not reliable. To me the best card to go for with Navy right now, because there is no sub for the Flagship, would be the more rewards. But if you get the more rewards and an actual Amex, you have two cards that are running on the Amex network. As long as you're ok with that and Amex is accepted where you primarily spend, it's a good idea. I personally would not waste 3 hp's on a Cap One card. But that's just my opinion.

Re: App Spree Coming Soon

Anonymous — Tue, 22 Sep 2020 14:58:08 GMT

@BmoreBull wrote:
@Anonymous wrote:
Thanks everyone, I guess I will go with my original plan. I also realized I won't be able to hit all the spend too PIF too get the Subs. Especially just buying a house. Well I could easily hit it but will be carrying a balance. Thinking the gold from Amex but that has a 4000 dollar spend. The other two cards will be much easier too hit. Was maybe also thinking of going with the EDP as well. Or maybe even the Green card. Or even a revolver.
Have you done any of the prequals for Amex? The prequal from Navy is said to be not reliable. To me the best card to go for with Navy right now, because there is no sub for the Flagship, would be the more rewards. But if you get the more rewards and an actual Amex, you have two cards that are running on the Amex network. As long as you're ok with that and Amex is accepted where you primarily spend, it's a good idea. I personally would not waste 3 hp's on a Cap One card. But that's just my opinion.

I was pre qualified last month for 3 of their cards. The gold Delta and 2 Hilton cards. But ever since that Express card reported and maybe the 3 mortgage pulls I am unable to get them too reappear. Hopefully that doesn't hurt my chances of approval.

I was definitely gonna app for the More from NF, just seems to be the best fit. I don't mind carrying 2 Amex's since I have Visa and MC as back anyways as well as a Discover.

Re: App Spree Coming Soon

BmoreBull — Tue, 22 Sep 2020 16:17:30 GMT

I would honestly wait for the preapproval on Amex's site to come back. Another thing to remember is, just because you are preapproved for one of the co-branded cards, doesn't mean that you will qualify for a core revolver. I check the Amex prequal peridoically. I was approved for all of the hotel and airline cards but nothing else at first. Last week I checked and was approved for the charge cards as well. This week I went back in and checked, I'm back to just the hotel and delta cards. Nothing has changed in my profile.

Re: App Spree Coming Soon

Anonymous — Thu, 22 Oct 2020 03:58:03 GMT

So app day is coming soon, I want to apply for my new cards the same day I close. My current UTI is 14% and fico 8's about the same as my siggy. I did do the pre qual for the lowes card and got 2,000 SL with 26.** apr. That is my back up in case I get denied for others. So far plan is to app for my second nfc. That is almost a solid approval. Still debating with Amex since I still haven't gotten any offers. What would be a good back up for a EXP puller. Also still plan to app for Penfed as well. Thoughts.

Re: App Spree Coming Soon

AverageJoesCredit — Thu, 22 Oct 2020 11:41:13 GMT

You do not need a prequal from Amex to be approved. Many Citi cards can pull Ex as does WF. Cap One cards are 3 hps but i wouldn't waste them on a card that most likely wont grow. Also if you are looking to get any Chase card, plan according to that not on spreeing because you can. 2 years is a long time to wait for a credit card so make your Chase card count.

Re: App Spree Coming Soon

Conceptual23 — Thu, 22 Oct 2020 08:53:14 GMT

Good luck on your spree!

Re: App Spree Coming Soon

Vu — Thu, 22 Oct 2020 17:19:56 GMT

@Anonymous I just sent you a private message. Please kindly check

Re: App Spree Coming Soon

Anonymous — Sat, 24 Oct 2020 00:38:28 GMT

Alright guys just apped for the Amex gold got the we received your application and you will receive a decision in 14 days. Please allow us time too process your application.

Is this a nice way of saying denied or do I still have a fighting chance.

Re: App Spree Coming Soon

FinStar — Sat, 24 Oct 2020 00:48:26 GMT

@Anonymous wrote:
Alright guys just apped for the Amex gold got the we received your application and you will receive a decision in 14 days. Please allow us time too process your application.

Is this a nice way of saying denied or do I still have a fighting chance.

The 14-day 'message' isn't always a denial. There's been reported instances in which additional verification may be required but YEMV. You can periodically check the AmEx application status website to view the progress of your application.

Re: App Spree Coming Soon

Anonymous — Sat, 24 Oct 2020 00:52:37 GMT

@FinStar wrote:
@Anonymous wrote:
Alright guys just apped for the Amex gold got the we received your application and you will receive a decision in 14 days. Please allow us time too process your application.

Is this a nice way of saying denied or do I still have a fighting chance.
The 14-day 'message' isn't always a denial. There's been reported instances in which additional verification may be required but YEMV. You can periodically check the AmEx application status website to view the progress of your application.

Thanks just checked says Declined 😪

Re: App Spree Coming Soon

FinStar — Sat, 24 Oct 2020 00:57:12 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
Alright guys just apped for the Amex gold got the we received your application and you will receive a decision in 14 days. Please allow us time too process your application.

Is this a nice way of saying denied or do I still have a fighting chance.
The 14-day 'message' isn't always a denial. There's been reported instances in which additional verification may be required but YEMV. You can periodically check the AmEx application status website to view the progress of your application.
Thanks just checked says Declined 😪

Sorry to hear that OP.

There should be an option where you can click to learn the reason(s) on why the application was not approved. Maybe you can provide some DPs for the community.

Re: App Spree Coming Soon

Anonymous — Sat, 24 Oct 2020 01:08:42 GMT

If it helps at all, I cold apped for Gold on 5/3/2019 and was declined. Three weeks later I had a preapproval for it, re-apped, and got it (incidentally, four days after my BCP approval). Not sure why that all happened but maybe you'll see a similar result...

Re: App Spree Coming Soon

Anonymous — Sat, 24 Oct 2020 01:31:31 GMT

@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
Alright guys just apped for the Amex gold got the we received your application and you will receive a decision in 14 days. Please allow us time too process your application.

Is this a nice way of saying denied or do I still have a fighting chance.
The 14-day 'message' isn't always a denial. There's been reported instances in which additional verification may be required but YEMV. You can periodically check the AmEx application status website to view the progress of your application.
Thanks just checked says Declined 😪
Sorry to hear that OP.

There should be an option where you can click to learn the reason(s) on why the application was not approved. Maybe you can provide some DPs for the community.

Tried that as well, said unable to process.

UTI 14%

AAOOA 6 Years Mostly old closed accounts

AAOA 11Months Should have waited till I hit 12

FICO 9 EQ 711 TU 692 EXP 682

FICO 8 EXP703 TU 705 EQ 702with 8 Inquiries 3 are from mortgage shopping.

Newest account opened July 29th 2020 last was March 2020 that was it for the year.

3 Lates 4 years ago showing on EXP

Was approved for NFCU Plat $6,800@14.99 was hoping for more but I'll take it. Was also just denied Penfed Plat but countered with the PC with $1,000@17.99.

No HP on Amex or Penfed yet on HP I got instant was NF.

Any other decent cards my DP to get with a EQ or EXP puller. Then off too the garden for 2 years.