https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670398#M463049 <P>After rebounding my utilization from 93% down to 27% I applied for a Chase freedom card on the 26th. I had to call in to verify info since I had moved in the last 6 months. I was approved with a $3,000 credit limit.</P><P>&nbsp;</P><P>Also on the 26th my DW wanted to go get a Sam's Club membership. Problem was I didn't have a Discover or Walmart credit card, so I had to apply for a Sam's card. I wasn't confident enough in my CR to app for the Sam's Discover, so I went with the store card. Instant approval for $700.</P><P>&nbsp;</P><P>I was set to go into the garden...then I remembered that the BCE gives nice rewards to fill in for the Freedom when the quarterly bonuses aren't really all there. I applied today, I got a message to call in to complete the app. After verifing my address I was approved for $2,000 on a new BCE.</P><P>&nbsp;</P><P>Finally today, I decided that since I don't need to save inquiries at the moment as it will be about a year until I need any additional credit (new car followed a year or two later by a mortgage), I apped online for a Walmart card because the Sam's doesn't have a free TU each month, and I kind of want to keep my spending seperated between the two stores. Instantly approved for the Discover version of the card for $700. Didn't even have to select which one I wanted.</P><P>&nbsp;</P><P>So I now have $6,400 in new credit at 20, after two years with a Cap 1 Platinum that had a $750 credit limit after a $250 credit steps increase. I'm so excited that I can finally close that dead end account. At least it gave me 1% cash back with 2% back on my phone bill and fast food, but I had to pay it multiple times per month to do anything useful with it.</P><P>&nbsp;</P><P>My local bank advised me to take out a small personal loan in Febuary to help build my credit, but even though they advised me to do so, they wouldn't approve me without a co-signer and the co-signer's $7,500 vehicle as collateral&nbsp;for a $2,000 loan. While I did get a pre-approval for a $1,600 citi platinum select card (The one with worthless citi cash rewards), one week after receiving it, I feel that loan was rather worthless to my overall credit profile.</P><P>&nbsp;</P><P>Oh well...As least now I jumped from $2,350 in credit to a nice comfy $8,750 that will actually grow with me and help my profile for when I really need to borrow money in the future.</P> Mon, 29 Oct 2012 21:18:06 GMT JL421 2012-10-29T21:18:06Z https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670398#M463049 <P>After rebounding my utilization from 93% down to 27% I applied for a Chase freedom card on the 26th. I had to call in to verify info since I had moved in the last 6 months. I was approved with a $3,000 credit limit.</P><P>&nbsp;</P><P>Also on the 26th my DW wanted to go get a Sam's Club membership. Problem was I didn't have a Discover or Walmart credit card, so I had to apply for a Sam's card. I wasn't confident enough in my CR to app for the Sam's Discover, so I went with the store card. Instant approval for $700.</P><P>&nbsp;</P><P>I was set to go into the garden...then I remembered that the BCE gives nice rewards to fill in for the Freedom when the quarterly bonuses aren't really all there. I applied today, I got a message to call in to complete the app. After verifing my address I was approved for $2,000 on a new BCE.</P><P>&nbsp;</P><P>Finally today, I decided that since I don't need to save inquiries at the moment as it will be about a year until I need any additional credit (new car followed a year or two later by a mortgage), I apped online for a Walmart card because the Sam's doesn't have a free TU each month, and I kind of want to keep my spending seperated between the two stores. Instantly approved for the Discover version of the card for $700. Didn't even have to select which one I wanted.</P><P>&nbsp;</P><P>So I now have $6,400 in new credit at 20, after two years with a Cap 1 Platinum that had a $750 credit limit after a $250 credit steps increase. I'm so excited that I can finally close that dead end account. At least it gave me 1% cash back with 2% back on my phone bill and fast food, but I had to pay it multiple times per month to do anything useful with it.</P><P>&nbsp;</P><P>My local bank advised me to take out a small personal loan in Febuary to help build my credit, but even though they advised me to do so, they wouldn't approve me without a co-signer and the co-signer's $7,500 vehicle as collateral&nbsp;for a $2,000 loan. While I did get a pre-approval for a $1,600 citi platinum select card (The one with worthless citi cash rewards), one week after receiving it, I feel that loan was rather worthless to my overall credit profile.</P><P>&nbsp;</P><P>Oh well...As least now I jumped from $2,350 in credit to a nice comfy $8,750 that will actually grow with me and help my profile for when I really need to borrow money in the future.</P> Mon, 29 Oct 2012 21:18:06 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670398#M463049 JL421 2012-10-29T21:18:06Z https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670406#M463052 <P>Congrats</P> Mon, 29 Oct 2012 21:20:08 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670406#M463052 Anonymous 2012-10-29T21:20:08Z https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670412#M463055 <P>Way to go.&nbsp; Those accounts should grow nicely with a bit of TLC and restraint <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />&nbsp; Don't forget to ask for the 3xCLI at 61 days with your AMEX <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></P> Mon, 29 Oct 2012 21:22:07 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670412#M463055 Anonymous 2012-10-29T21:22:07Z https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670416#M463056 Congrats on your journey and new accounts! Your time in the garden will serve you well! Mon, 29 Oct 2012 21:23:02 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670416#M463056 Epcot 2012-10-29T21:23:02Z https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670580#M463113 <P>Nice spree! Congratulations! <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></P> Mon, 29 Oct 2012 22:23:17 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670580#M463113 ntx 2012-10-29T22:23:17Z https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670582#M463114 nice! Mon, 29 Oct 2012 22:23:52 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1670582#M463114 Repo-ed 2012-10-29T22:23:52Z https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1678538#M465785 <P>Congrats on the spree!! Kind of exhilerating isn't it! I just did my first one over the weekend!</P> Fri, 02 Nov 2012 16:21:04 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1678538#M465785 Anonymous 2012-11-02T16:21:04Z https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1678790#M465869 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Congrats on the spree!! Kind of exhilerating isn't it! I just did my first one over the weekend!</P><HR /></BLOCKQUOTE><P>Wonder how many thread S7 gonna have if S7 do 5 app !!!!!!!!!! Lmao......he get too excitedddddddd&nbsp;</P> Fri, 02 Nov 2012 18:02:13 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Mini-App-Spree/m-p/1678790#M465869 nicholasyud 2012-11-02T18:02:13Z