topic Re: Mini App Spree in Credit Cards

Mini App Spree

CreditExpressNJ — Tue, 09 Jul 2013 15:25:06 GMT

So it happened over a period of a month during June 4th and July 4th but here goes small limits but im happy:

Approved:

Us Bank Plat 1.5k ( Was declined in May then applied the 4th of July)

Affinity FCU Reward 1k

Paypal Extra 1.5k

Care 2.5k

Old Navy Store 200

Walmart Discover 1k

ShopNBC 1k

All were instant approvals..

All before my Birthday too this is an awesome gift step my foot into the credit prior to this i had baddies but had never had credit history my baddies were Sprint, Medical and Verizon but all off except medical and university of phoenix

Now off to the garden to reach my goal cards so i can eventually get rid of a few of these...and build those CLI's with GE ...

Re: Mini App Spree

GatorGuy — Tue, 09 Jul 2013 15:24:52 GMT

If that is mini, I would hate to see what your real spree would look like.

Re: Mini App Spree

Revelate — Tue, 09 Jul 2013 15:34:09 GMT

@GatorGuy wrote:
If that is mini, I would hate to see what your real spree would look like.

Heh, oh dear. I think I may have coined that term here, and meant 3 or less cards at the time compared to the 5+ I commonly saw.

Regardless, OP congrats!

Re: Mini App Spree

MsLadyRover — Tue, 09 Jul 2013 15:43:44 GMT

Happy Birthday! Congrats!

Re: Mini App Spree

CreditExpressNJ — Tue, 09 Jul 2013 15:52:30 GMT

Thanks ill be 23 thursday

Re: Mini App Spree

OptimalCS — Tue, 09 Jul 2013 16:02:59 GMT

I pulled the trigger on a Discover app yesterday.

gardening??? what's that??? lol

Re: Mini App Spree

manwoot — Tue, 09 Jul 2013 16:08:50 GMT

@OptimalCS wrote:
I pulled the trigger on a Discover app yesterday.

gardening??? what's that??? lol

For those who are new to the concept of gardening, it involves refraining from applying for new credit or seeking CLIs that require hard pulls. Soft pulls CLIs, however, are not only acceptable, but are encouraged. The idea is to allow one's current TLs to grow and mature, waiting for inqs to age or fall off, and possibly waiting for "baddies" to be removed or age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade.

From here: http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-July-2013/td-p/2259577

[Edit] Unless that "lol" meant you were being sarcastic... in which case I agree. I love to app

Re: Mini App Spree

CreditExpressNJ — Tue, 09 Jul 2013 16:22:24 GMT

Im just happy im finally in with a prime bank

Re: Mini App Spree

CreditExpressNJ — Tue, 09 Jul 2013 16:22:59 GMT

I actually got the news today from us bank about the approval

Re: Mini App Spree

09Lexie — Tue, 09 Jul 2013 17:23:50 GMT

Congratulations. Did you app for the GE cards at the same time?

Re: Mini App Spree

CreditExpressNJ — Tue, 09 Jul 2013 17:33:54 GMT

A few i did a day apart and the care i just did last weeek

Re: Mini App Spree

CBTS — Tue, 09 Jul 2013 17:36:05 GMT

@manwoot wrote:
@OptimalCS wrote:
I pulled the trigger on a Discover app yesterday.

gardening??? what's that??? lol
For those who are new to the concept of gardening, it involves refraining from applying for new credit or seeking CLIs that require hard pulls. Soft pulls CLIs, however, are not only acceptable, but are encouraged. The idea is to allow one's current TLs to grow and mature, waiting for inqs to age or fall off, and possibly waiting for "baddies" to be removed or age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade.

From here: http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-July-2013/td-p/2259577

[Edit] Unless that "lol" meant you were being sarcastic... in which case I agree. I love to app

Congrats OP!

Stupid question, but what does TL stand for? Total Limit?

Re: Mini App Spree

09Lexie — Tue, 09 Jul 2013 17:39:57 GMT

TL= trade line

Re: Mini App Spree

09Lexie — Tue, 09 Jul 2013 17:47:49 GMT

I'd leave GE alone for awhile. I'm sure you'll be fine- just don't poke the bear.

Re: Mini App Spree

CreditExpressNJ — Tue, 09 Jul 2013 18:09:09 GMT

@09Lexie wrote:
I'd leave GE alone for awhile. I'm sure you'll be fine- just don't poke the bear.

oh yea definitely im not applying for anymore cards with them i have all i need right now .... dont want them to start closing my cards but overall im happy with what they have given me...my next cards will be BCE, Freedom, IT