topic Re: traveler2005's app spree in Credit Cards

traveler2005's app spree

traveler2005 — Tue, 27 Mar 2012 02:23:31 GMT

Just finished app spree. Got Sony rewards, Care Credit, Firestone and Kohls. No more apps for me for at least 6 months. Hope to see some CLI on some of my more established cards while I continue to work on getting my baddies off my reports.

edit: this post and the following ones were split off from the March Gardening thread --hauling

Re: traveler2005's app spree

LS2982 — Tue, 27 Mar 2012 02:30:19 GMT

@traveler2005 wrote:
Just finished app spree. Got Sony rewards, Care Credit, Firestone and Kohls. No more apps for me for at least 6 months. Hope to see some CLI on some of my more established cards while I continue to work on getting my baddies off my reports.

Congrats on your new cards!!!

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Re: traveler2005's app spree

Smug — Tue, 27 Mar 2012 02:30:41 GMT

@traveler2005 wrote:
Just finished app spree. Got Sony rewards, Care Credit, Firestone and Kohls. No more apps for me for at least 6 months. Hope to see some CLI on some of my more established cards while I continue to work on getting my baddies off my reports.

You need to stop, I apped for all these toy cards, and once you have them they never grow, andyouwill not get the large limit cards you really want, I closed over 6 cards this year, take it from me.

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Re: traveler2005's app spree

LS2982 — Tue, 27 Mar 2012 02:31:02 GMT

@Smug wrote:
@traveler2005 wrote:
Just finished app spree. Got Sony rewards, Care Credit, Firestone and Kohls. No more apps for me for at least 6 months. Hope to see some CLI on some of my more established cards while I continue to work on getting my baddies off my reports.
You need to stop, I apped for all these toy cards, and once you have them they never grow, andyouwill not get the large limit cards you really want, I closed over 6 cards this year, take it from me.

Firestone and CareCredit will grow, not sure about Sony and Kohls (They are Cap1 so that should say something)

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Re: traveler2005's app spree

Anonymous — Tue, 27 Mar 2012 02:31:22 GMT

The Kohl's savings is worth it though. If you shop there.

Which I do, but don't want the card.

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Re: traveler2005's app spree

Repo-ed — Tue, 27 Mar 2012 02:31:41 GMT

I would shop at Kohls, but instead, I shop at the store I work p/t. It's a GE card and my first CL request netted a 1k gain, so I'm hoping it will grow with me. I've seen as high as $7500 CL on other cust. accts when they ask me to look it up.

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Re: traveler2005's app spree

Smug — Tue, 27 Mar 2012 02:32:03 GMT

Until I dropped all my under 1 k cards I was notable to get good CL cards, my first was Barclays for 6.5k, they denied me when I had the small cards open, I then added NFCU foe 10k and PESCU for 5K, Myself, I would close small cards I don't use, as for me my cards would not LETme get better TL and prime cards until, I closed them.

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Re: traveler2005's app spree

Repo-ed — Tue, 27 Mar 2012 02:32:23 GMT

@Smug wrote:
Until I dropped all my under 1 k cards I was notable to get good CL cards, my first was Barclays for 6.5k, they denied me when I had the small cards open, I then added NFCU foe 10k and PESCU for 5K, Myself, I would close small cards I don't use, as for me my cards would not LETme get better TL and prime cards until, I closed them.

If ever I get my Amex back or app for another one and it is backdated, I'll be sure to close my cap one and hsbc, as I just don't need CL. I just need a CC for rental cars :lol:

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Re: traveler2005's app spree

crunching_numbers — Tue, 27 Mar 2012 12:03:21 GMT

@Anonymous wrote:
The Kohl's savings is worth it though. If you shop there.
Which I do, but don't want the card.

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I have been denied for Kohls at the register 3 times over the course of the years. No matter how great I can get my credit, I will never app there again.

Re: traveler2005's app spree

Anonymous — Tue, 27 Mar 2012 12:35:59 GMT

That sucks, crunchy

I can pass on the 30% discounts just for having their credit card. I routinely get 20% friends/family discounts anyway.

Plus I think if I had the Kohls CC, I'd be more liable to wanting to spend more than I should.

Re: traveler2005's app spree

traveler2005 — Wed, 28 Mar 2012 02:04:11 GMT

Thank you for all of the feedback. I do appreciate it. I am closing my first premier card after it reaches 1 year next month. I have reduced my utilization of all cards down to 20%, working to get them down to <9%. I have a state tax lien that I am working on getting paid off. I have a few paid baddies on my report that I have tried to GW but to no avail, so it will be several more years before I will qualify for the "elite" cards. But for now I will continue to Garden.