Need help with next App spree

[Anonymous]

Hello,

So I went on a cc app spree.

June 2015
Amex Blue Cash - Instant Approval
Chase Sapphire Preferred - Instant Approval
**Did not meet minimum spend for bonus**
Discover It - letter - eventually approved

Didn’t have much credit prior to June but did have an excellent payment history with Capital One for a little over 2 years and several student loans with a good payment history. I was elated! I’m sure many of you remember that first cc with clout. It felt like that 3 times over.

Naturally, I wanted to repeat that experience again. Then, less than 2 years later, I went on a true Apporama (verbiage I’ve been learning here).

February of 2017
Chase Sapphire Reserve - Instant Approval
Chase Southwest RR Plus - Instant Approval
Chase United Mileage Plus Exp - 7/10 day
letter. called to xfer partial cl from Reserve to United limit. Approved. Downgraded sapphire preferred to Freedom 5% category.
**waited for approval then went for Amex**
Amex Delta Gold - Instant Approval
Amex Hilton HHonors - Instant Approval
Discover It Miles - Instant Approval
Barclaycard Arrival + - needed to confirm identity. Sent copies of passport, drivers license, and SSN card to Wilmington DE. Approved.
CapitalOne Venture - Denied
Upgraded CapitalOne Platinum to Quicksilver

Construction ends in August for the new house, hazaa! I’m planning another Apporama shortly after close before the house tanks my credit report.

740+ FICOs
Always pay in full

Calling all app guru’s. Which bank first? Which Lendor last. 05/24 rules included. Detailed list of which cards should be included and it what order.

Prefer travel cards over cash back. No specific destination in mind. This is entirely about increased credit limits. Resting at 100k aiming for 250k, end game. Prefer soft pull CLI credit cards. Need a pro. That’s why I’m in this forum.

Thanks for all your time!

[Anonymous]

Actually I would hold off from apping for a while if I were you. You have opened a lot of new accounts recently, and when all of them report it can be troublesome, especially Chase is recently closing accounts on those who have applied for many credit cards (Chase and non-Chase) in a short period.

[Anonymous]

I believe it, i’ve heard some rough stories on here. It seems banks close accounts on people that milk points, over spend by MS’ing in the first month of approval then ask “why me?”

Hysterical that people wouldn’t do their research before. I don’t care for the points all that much, honestly. It’s just a perk. I’ve met minimum spend on each except for one about 3 years ago, had a different income then.

It’s been 14 months since I last applied for a card.

Any suggestions you may have if you were me?

[AverageJoesCredit]

If you are looking for big limits or chance at big limits you might check out Boa, who seem to grow big time if your profile and income support it or even the Cap One Venture which seems to hand out 15k plus sl. Theres the US Bank Altitude Reserve that is known to give high limits.

[Anonymous]

Groundhog Day?

Apporama suggestions - Need Pro Advice

[Anonymous]

Lol. Sorry wasn’t getting requested feedback earlier, would prefer a list of CC’s that offer high CLs in order of best to worst not on my current list as seen in my posts

[BronzeTrader]

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@Anonymouswrote:
Hello,

So I went on a cc app spree.

June 2015
Amex Blue Cash - Instant Approval
Chase Sapphire Preferred - Instant Approval
**Did not meet minimum spend for bonus**
Discover It - letter - eventually approved

Didn’t have much credit prior to June but did have an excellent payment history with Capital One for a little over 2 years and several student loans with a good payment history. I was elated! I’m sure many of you remember that first cc with clout. It felt like that 3 times over.

Naturally, I wanted to repeat that experience again. Then, less than 2 years later, I went on a true Apporama (verbiage I’ve been learning here).

February of 2017
Chase Sapphire Reserve - Instant Approval
Chase Southwest RR Plus - Instant Approval
Chase United Mileage Plus Exp - 7/10 day
letter. called to xfer partial cl from Reserve to United limit. Approved. Downgraded sapphire preferred to Freedom 5% category.
**waited for approval then went for Amex**
Amex Delta Gold - Instant Approval
Amex Hilton HHonors - Instant Approval
Discover It Miles - Instant Approval
Barclaycard Arrival + - needed to confirm identity. Sent copies of passport, drivers license, and SSN card to Wilmington DE. Approved.
CapitalOne Venture - Denied
Upgraded CapitalOne Platinum to Quicksilver

Construction ends in August for the new house, hazaa! I’m planning another Apporama shortly after close before the house tanks my credit report.

740+ FICOs
Always pay in full

Calling all app guru’s. Which bank first? Which Lendor last. 05/24 rules included. Detailed list of which cards should be included and it what order.

Prefer travel cards over cash back. No specific destination in mind. This is entirely about increased credit limits. Resting at 100k aiming for 250k, end game. Prefer soft pull CLI credit cards. Need a pro. That’s why I’m in this forum.

Thanks for all your time!

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You seem really enjoy your credit card rides. You should raise the bar higher.  Good luck with your spreeing....

[JackBeNimble1]

Capitol One has given me the largest credit lines but it looks like they've denied you once before, probably due to your spree(s). Barclays has been fairly generous, too. American Express and Chase have been stingier with how much credit they'll issue me. But it's different for everyone.

[coldfusion]

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@Anonymouswrote:
Hello,

So I went on a cc app spree.

June 2015
Amex Blue Cash - Instant Approval
Chase Sapphire Preferred - Instant Approval
**Did not meet minimum spend for bonus**
Discover It - letter - eventually approved

Didn’t have much credit prior to June but did have an excellent payment history with Capital One for a little over 2 years and several student loans with a good payment history. I was elated! I’m sure many of you remember that first cc with clout. It felt like that 3 times over.

Naturally, I wanted to repeat that experience again. Then, less than 2 years later, I went on a true Apporama (verbiage I’ve been learning here).

February of 2017
Chase Sapphire Reserve - Instant Approval
Chase Southwest RR Plus - Instant Approval
Chase United Mileage Plus Exp - 7/10 day
letter. called to xfer partial cl from Reserve to United limit. Approved. Downgraded sapphire preferred to Freedom 5% category.
**waited for approval then went for Amex**
Amex Delta Gold - Instant Approval
Amex Hilton HHonors - Instant Approval
Discover It Miles - Instant Approval
Barclaycard Arrival + - needed to confirm identity. Sent copies of passport, drivers license, and SSN card to Wilmington DE. Approved.
CapitalOne Venture - Denied
Upgraded CapitalOne Platinum to Quicksilver

Construction ends in August for the new house, hazaa! I’m planning another Apporama shortly after close before the house tanks my credit report.

740+ FICOs
Always pay in full

Calling all app guru’s. Which bank first? Which Lendor last. 05/24 rules included. Detailed list of which cards should be included and it what order.

Prefer travel cards over cash back. No specific destination in mind. This is entirely about increased credit limits. Resting at 100k aiming for 250k, end game. Prefer soft pull CLI credit cards. Need a pro. That’s why I’m in this forum.

Thanks for all your time!

---

I'd do a bit of cleanup first.

Downgrade the CSP to a FU for the Chase trifecta (CSR, FU, Freedom) allowing you to maximize your UR earnings by selecting the most appropriate card for each purchase and leveraging the CSR for redemption.

If you've already burned through your Arrival+ SUB, close it. 

You're past 5/24, else I would have recommended the Ink Business Preferred if you could have met the $5K/3mo threshold for the SUB.

Since you have no specific destinations in mind, consider getting a true chip + pin priority card like the SDFCU Platinum Visa/First Tech/UNFCU cards, which will work properly in Europe including at unattended locations like kiosks and gas pumps.  The Arrival+ and most other US based cards that claim chip + pin are in fact signature priority w/o offline pin functionality.

What is it that you want from additional travel cards that the Chase cards won't get you, other than collecting SUB?

[UncleB]

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@Anonymouswrote:
Lol. Sorry wasn’t getting requested feedback earlier, would prefer a list of CC’s that offer high CLs in order of best to worst not on my current list as seen in my posts

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@Anonymous, please don't cross-post the same question on multiple boards; it's confusing to follow and goes against our rules here.

I've locked your other thread and provided a link to this one.

--UncleB

myFICO Moderator