topic Re: Mini App Spree - Looking to Diversify in Credit Card Applications

Mini App Spree - Looking to Diversify

steelers1 — Wed, 09 Dec 2015 12:38:39 GMT

I am looking to add a few cards in the near future.

As you can see by my sig all of my Visa's and MC are issued by Cap One I am looking to diversify my issuers.

I am waiting for Myfico to update some recent payments to bring down my util.

I am estimating that my Fico scores should be 690 - 710 on TU & EQ when they all post. My Ex score should be 660-670 (frozen)

Util is around 10%.

BK 7 discharged 8/14. BK is NOT on TU.

Last app on TU - 8/15 (Walmart), EQ - 10/15 (AT&T New cell svc)

Here is what I'm thinking about:

Sam's Club Mastercard

BP Visa

Discover

Cabellas Visa

Your feedback and advice would be greatly appreciated.

Re: Mini App Spree - Looking to Diversify

Anonymous — Wed, 09 Dec 2015 14:02:32 GMT

@steelers1 wrote:
I am looking to add a few cards in the near future.

As you can see by my sig all of my Visa's and MC are issued by Cap One I am looking to diversify my issuers.

I am waiting for Myfico to update some recent payments to bring down my util.

I am estimating that my Fico scores should be 690 - 710 on TU & EQ when they all post. My Ex score should be 660-670 (frozen)

Util is around 10%.

BK 7 discharged 8/14. BK is NOT on TU.

Last app on TU - 8/15 (Walmart), EQ - 10/15 (AT&T New cell svc)

Here is what I'm thinking about:

Sam's Club Mastercard
BP Visa
Discover
Cabellas Visa

Your feedback and advice would be greatly appreciated.

I have 3/4 cards(SamMC,BPvs and CabelasVs) you have. My TU score(769) was at the time I applied for Sams(10k) and Bp(3k) but got multiples cli to 20k(Sams) and 10k(BP) after a month old. My EQ score was 742 when approve for Cabelas(8k). With your scores you will probably get $1.5-2k SL on those cards that I mentioned but who knows right now with holiday season here..........Good Luck!!

Re: Mini App Spree - Looking to Diversify

olehammer — Wed, 09 Dec 2015 16:30:57 GMT

I'd recommend Chase freedom/Slate. I was approved at mid 600s with a few open collections for $4,500. Freedom has 10% off Amazon through end of year and 1% on all other purchases.

Re: Mini App Spree - Looking to Diversify

Anonymous — Wed, 09 Dec 2015 17:12:36 GMT

I would cast a vote in favor of the Discover IT. It's a good card, especially if you're looking to diversify. They appear to like thin files -- I was approved in July with a SL of $4,5000 with slightly lower scores than you. Then they bumped up to $8,500 a few weeks ago, about 3.5 months after opening.

The double cash promo for the first year is great. I've used it alot for Amazon so far, and I'm looking forward to using it for gas and ground transportation next quarter. You may also find some one-off deals through their portal that you like. I just made a $100 purchase at Sports Authority that gives 10% back and then will match it at the end of the first year. Not bad.

So far with pretty limited usage I've alredy racked up over $70 cash back that will be doubled in July at the end of the year. I also took advantage of a 16 month 0% APR BT offer.

Re: Mini App Spree - Looking to Diversify

Anonymous — Wed, 09 Dec 2015 18:47:59 GMT

If you are apping for more than one, begin with Discover. It gives you a better chance of approval. jmho

Re: Mini App Spree - Looking to Diversify

steelers1 — Thu, 10 Dec 2015 00:56:26 GMT

Thank you for your replies.

Re: Mini App Spree - Looking to Diversify

steelers1 — Thu, 10 Dec 2015 13:35:42 GMT

Discover approved!

Modified terms - $1,800 CL

Re: Mini App Spree - Looking to Diversify

Anonymous — Thu, 10 Dec 2015 13:41:22 GMT

@steelers1 wrote:
Discover approved!

Modified terms - $1,800 CL

Excellent!

Re: Mini App Spree - Looking to Diversify

Wizdog1 — Thu, 10 Dec 2015 14:13:01 GMT

Discover was a good choice for me as well. BK7 discharged 9/2014 and I applied for discover 12/14. Started at 1500 and now 20,600. I had a high limit credit union visa that survived BK. I use it for everything. Applied for the miles card and was declined due to BK as well as declined for cli. I learned real quick not to have them do anymore hard inquiries. I do now have a cap1 quick silver 10k, those 3, and the 3 from discover are my only inquires. I use discover for everything and very happy with them. So how about it Scupra my hero???

Re: Mini App Spree - Looking to Diversify

elim — Thu, 10 Dec 2015 15:02:18 GMT

@Wizdog1 wrote:
Discover was a good choice for me as well. BK7 discharged 9/2014 and I applied for discover 12/14. Started at 1500 and now 20,600. I had a high limit credit union visa that survived BK. I use it for everything. Applied for the miles card and was declined due to BK as well as declined for cli. I learned real quick not to have them do anymore hard inquiries. I do now have a cap1 quick silver 10k, those 3, and the 3 from discover are my only inquires. I use discover for everything and very happy with them. So how about it Scupra my hero???

I have tried for this card twice and denied. 468 positive months reporting on all 3, 700 score, perfect utilization. Denial reason 2010 tax lien (only baddie). 3 month old BK seems to not be a problem, go figure. These banks have some strange alg's sometime. I did just get an invitation to apply in snail mail (first ever) but the APR wasn't solid. ehh, I have to step back a little. I have plenty of credit and am safely diversified. I think it is leaning toward "collecting" now. I am shifting my thinking and actions over to collecting $$$. Saving as much as I can and funding multiple accounts.

congrats OP!

Re: Mini App Spree - Looking to Diversify

Wizdog1 — Fri, 11 Dec 2015 00:57:37 GMT

I know what you mean, I tried several times for American Express with 800 fico and never could get a card. OP I hope your card grows, I think you will be very happy with Discover

Re: Mini App Spree - Looking to Diversify

steelers1 — Fri, 11 Dec 2015 02:16:36 GMT

This was my 4th attempt at Discover.

I read that along with EQ they like to pull EX.

I unfroze it and let them pull it this time and it worked.