topic Re: What's the most apps you've ever done during an App Spree? in Credit Cards

What's the most apps you've ever done during an App Spree?

djc1puno — Sat, 06 Jul 2013 06:41:13 GMT

After reading a lot of members' sprees, I was just wondering what's the most apps you've ever done during an app spree? how many days did you guys spread those apps, or where they all in one day?

Re: What's the most apps you've ever done during an App Spree?

dodfire — Sat, 06 Jul 2013 06:47:16 GMT

10 new cards in 2013

6 apps in 1 day

4 approvals 2 denied

Re: What's the most apps you've ever done during an App Spree?

09Lexie — Sat, 06 Jul 2013 06:59:40 GMT

Six apps -5 in 1 day, the other a week later. All approved

Re: What's the most apps you've ever done during an App Spree?

teddybearkelli1 — Sat, 06 Jul 2013 06:59:53 GMT

13 new cards between Oct and Feb... Then closed 8 with fees of my old ones. 😊

Re: What's the most apps you've ever done during an App Spree?

djc1puno — Sat, 06 Jul 2013 07:03:52 GMT

thanks for the replies! this makes it handy for those new to credit and might be thinking of going on an app spree... merci!

Re: What's the most apps you've ever done during an App Spree?

09Lexie — Sat, 06 Jul 2013 07:08:17 GMT

Keep in mind, every profile is different and you should consider how many inqs/cc's your individual file can handle at once.

Re: What's the most apps you've ever done during an App Spree?

Open123 — Sat, 06 Jul 2013 07:12:47 GMT

3 on the same day, with a HP on each CRA. Usually, Amex/Citi on Ex, Chase/US Bank on Eq, and Barclay on TU. I try not to exceed 3 per quarter, but app'ed for about 10 cards last year, all of which were approved.

Re: What's the most apps you've ever done during an App Spree?

HYPASS33 — Sat, 06 Jul 2013 08:00:42 GMT

13 Inq with 11 new accounts in past two months which is why I'm in the garden for a while.

Re: What's the most apps you've ever done during an App Spree?

shanac — Sat, 06 Jul 2013 12:09:48 GMT

Five new accounts in 2013:

Three total in June. Freedom Signature and Amex BCP on the same day and CSP the very next day. The app for Freedom was 2 HPs (EX/TU); Amex pulled TU. CSP used the same pulls from the day before, so no new pulls there.

J Crew & Victoria's Secret in April using the shopping Cart trick so no INQ used but I sort of regret these now that I have prime cards with better rewards structures. Plus I don't use them as much as I thought I would so am considering canceling them. (I hit the luv button on the JCrew this week and received a $400 increase to $1150.)

Re: What's the most apps you've ever done during an App Spree?

Repo-ed — Sat, 06 Jul 2013 12:24:23 GMT

Be sure to try and use multiple browsers at the same time.

Re: What's the most apps you've ever done during an App Spree?

Dubious — Sat, 06 Jul 2013 13:45:53 GMT

Five-- 4 of them over a couple of consecutive days and the 5th a couple of weeks later in the same month. All approved.

Re: What's the most apps you've ever done during an App Spree?

Kutuzov — Sat, 06 Jul 2013 13:49:24 GMT

Maximun I did was 2 in 1 day. Not really a lot of apps here, got approved for both and canceled my older cc. So happy with those 2.

Re: What's the most apps you've ever done during an App Spree?

jeffery581 — Sat, 06 Jul 2013 14:27:23 GMT

RE: Be sure to try and use multiple browsers at the same time.

I don't agree with that. Inquiries will show up one right after the other, regardless of how you apply. You can't fool them by trying to be sneaky.

Re: What's the most apps you've ever done during an App Spree?

Anonymous — Sat, 06 Jul 2013 14:48:59 GMT

I've done 4 in one day, all approved, I ended up closing 1 within 2 weeks of having it. Waste of an inq. But you live and you learn.

Re: What's the most apps you've ever done during an App Spree?

Kutuzov — Sat, 06 Jul 2013 15:26:18 GMT

It won't fool them, but it the inq will all age at the same time, so th 1 year mark is a set date not 3-4 different dates.

Re: What's the most apps you've ever done during an App Spree?

Open123 — Sat, 06 Jul 2013 15:30:06 GMT

@Kutuzov wrote:
It won't fool them, but it the inq will all age at the same time, so th 1 year mark is a set date not 3-4 different dates.

Right, and also, with inquiries, there's a diminishing effect on the amount it reduces one's score. After 3 or 4, there's almost no effect, as opposed to "one" with a clean slate.

Much more "bang for the buck" to string along 5+ inquiries in a short time, as opposed to "one" every 6 - 8 months.

Re: What's the most apps you've ever done during an App Spree?

KIPPIE12 — Sat, 06 Jul 2013 15:36:44 GMT

Geez, i must be a lightweight here. The most i've done at one time is 3, as i was afraid of pushing my luck. I didn't want to see that dreaded decline message. Fortunately, they were all approved, but i've been gardening for over 8 mos now, and am preparing for another app spree in the next day or so.

Re: What's the most apps you've ever done during an App Spree?

Open123 — Sat, 06 Jul 2013 15:39:43 GMT

@KIPPIE12 wrote:
The most i've done at one time is 3, as i was afraid of pushing my luck.

Anything above 3 or 4 carries with it some "added" risk for AA. Doesn't mean it'll happen, but unless there's a compelling reason, I'd stick with 3 per quarter, which seems to never elicit AA.

Re: What's the most apps you've ever done during an App Spree?

Simply827 — Sat, 06 Jul 2013 15:50:47 GMT

I just signed up for 5 new accounts over the past 3 days, 4 CC and 1 CU. Three approved so far, CU membership and 1 CC pending.

I don't see myself going on another spree for a very long time. I feel I've obtained a good mix of cards for my needs.

Re: What's the most apps you've ever done during an App Spree?

oscar_actuary — Sat, 06 Jul 2013 15:58:13 GMT

Only recently from reading here, did I understand any reason to spree. I just accumulated many of mine this year as I wanted to stop leaving bonus money and cash back on the table

7 new cards

Home Refi

Car Refi

between March and June of 2013

No denials. But I did have to maintain the same total CL with BofA, and for Walmart Discover, my CL was $800. That looks funny. I got the hint.