From what OP has said...score drop to 650 "for a couple of years" he hasn't considered the drop consequences in his insurance rates hmmmm big $$$$ difference from 750-800 rate to 650 or lower...just thinking out loud....
Once again Good Luck on your endeavors 
I kind of wish 12Njoy would stop by this thread and let op how its possible to get to his level without taking shortcuts. I just look as if you want those high limits and you got scores and income now to back you up , you go for the big boy/girl limit cards like CSR, Altitude, Get 1 or 2 cards with Navy and Penfed, watch them grow , Venture, and so forth. Heck you can throw in a fee Sync cards and you could be over 200k fast . I remember the popcorn being mention, i just braught the juju bees
@Anonymous wrote:I'm applying for over 30 cards at once. I've done the due diligence as far as issuers and their respective guidelines on having more than one of their cards. I have 2 high limit trade lines (20k, 2002 Discover, and 15k Bofa 2013 card) and a high FICO, as well as over 3 years of positive primary credit with a good mix of accounts. My goal is to leverage all of that and secure those accounts now so that as the years progress my average age of accounts becomes impenetrably high. I know that many new accounts will hurt my score in the short term, I have good income so I'm not worried about the near future, this is a long term play. I want to eventually get to 1 million in available credit, so I plan on strategically funneling my expenses through the multiple accounts in an effort to grow the limits over time. Also, in 2 or 3 years, if I wanna add 5 or so cards to my collection, my AAoA won't really go down because of the sheer number of accounts.
I want to know, does anyone have experience, feedback, or knowledge regarding so many apps at once? I plan on pre-filling out all 30 applications to where they all just need a final click to process. At that point I'll tab through and hit apply on them almost all simultaneously. I'm actually gonna have 15 or so of them on my laptop, and have my friend click through those while I'm doing it on my desktop. I can even have my roommate command another laptop and split it 3 ways. My hope is that it's too quick for the bureaus to report the inquiries to all the CC apps. Just in case, I'm prioritizing the more important cards to be more in the beginning of the line. My main concern is if this will flag anything and automatically freeze my credit with any of the bureaus.
Feel free to discuss, I appreciate any and all feedback.
I've had a considerable amount of experience with this exact thing. Back in December of 2015 my partner and I set up several laptops and I applied for somewhere around 6-8 cards. All my scores were over 800 and we accumulated over $149,500 in credit in about 30 minutes.
We did the same thing in 2016 and scored about another $80,000
All the time in between we received soft pull increases totaling over $60,000
The bottom line is this: There are only maybe 6-9 creditors out there even worth applying for cards.This list is in no particular order:
Discover
Chase (Can be stingy)
Synchrony (Can be flaky)
Citi
Amex
Cap One
Barclay (Can be stingy)
FNBO (Really conservative)
BOA (Can be trouble)
(No, I didn't forget Commenity)
Probably 12-15 if you include the best credit unions.
NFCU
USAA
Penfed
Alliant (Can be spooked easily)
DCU
NASA (Just plain crazy)
Bureaus like Transunion and Equifax have even less creditors that pull those bureaus exclusively, so that also cuts down on the number you can safely apply for in 1 sitting. If you have a list of over 30 plus cards, it's likely filled with bottomfeeders that aren't even worth the waste of a hardpull.
Your total number of 30 plus cards will most certainly slaughter your credit score. Not to mention, after 6-8 inquiries are generated to each report in that short amount of time, you will start receiving automatic denials, it doesn't matter how high your score is. When you generate 6-8 inquiries on a report in that short amount of time, they start turning you down instantly and the reason will be stated as: "Too many recent inquiries".
Take it from someone who has over $400,000 in credit.
It ain't worth it.
I have literally read through this entire post and still don't understand the desire for 30 apps at once. Yikes OP, but good luck with whatever you choose! Definitely let us know the results
@AverageJoesCredit wrote:
I kind of wish 12Njoy would stop by this thread and let op how its possible to get to his level without taking shortcuts. I just look as if you want those high limits and you got scores and income now to back you up , you go for the big boy/girl limit cards like CSR, Altitude, Get 1 or 2 cards with Navy and Penfed, watch them grow , Venture, and so forth. Heck you can throw in a fee Sync cards and you could be over 200k fast . I remember the popcorn being mention, i just braught the juju bees
it doesn't take long at all. 2 years ago I had mid 600 FICO 8's, and $1k total revolving credit. Today my scores are all 750-770 and I have a bit over 200k.
.... and my income is not high by any means.
Point is, one can easily reach 200k of available credit if one has discipline and is willing to take a short amount of time to build history.
Lol," credit willy nilly" Does he sing country?
Does he sing country?
I am rubbernecking with other ficoers. Did the OP actually app these many cards? Hopefully, you reconsider and just go slow with it .
