Happy Sunday, all! I’m attempting a one-day spree of 5 cards today:
Chase United Club Infinite
Wells Fargo Attune
US Bank Cash+
Comenity Ford Rewards
AMEX Marriott Brilliant
I’ll post updates as the day progresses. Been working VERY hard to set this up for the last two months, and I thought this would serve as some good datapoints for others. Please feel free to ask any questions for your reference. First off, I went from 5/24 to 3/24 with Chase as of today (3/22/2026). Current scores are in my signature. Very excited! 😆
Chase United Club Infinite
Wells Fargo Attune
US Bank Cash+
Comenity Ford Rewards
AMEX Marriott Brilliant
I’ll post updates as the day progresses. Been working VERY hard to set this up for the last two months, and I thought this would serve as some good datapoints for others. Please feel free to ask any questions for your reference. First off, I went from 5/24 to 3/24 with Chase as of today (3/22/2026). Current scores are in my signature. Very excited! 😆
9:15 AM: Started with United Club Infinite due to the Chase 5/24 rule
• To confirm, I had not received any personalized offers via mail or email. I also checked the “Just for you” section in the app and website to confirm there was nothing listed. Finally, I ran the “check if I’m pre-approved” marketing button on Chase’s homepage. All returned no cards.
• I have two Chase cards currently: Disney Inspire Visa and IHG Rewards Premier MC, $30,000 and $12,800 CLs, respectively. The IHG currently has a $0 balance; Disney is around $4700, but it’s all 0% APR promo.
• I was expecting a limit around $18,000.
Applied and got instant approval for $28,500! This FAR exceeded my expectations! 😊
• To confirm, I had not received any personalized offers via mail or email. I also checked the “Just for you” section in the app and website to confirm there was nothing listed. Finally, I ran the “check if I’m pre-approved” marketing button on Chase’s homepage. All returned no cards.
• I have two Chase cards currently: Disney Inspire Visa and IHG Rewards Premier MC, $30,000 and $12,800 CLs, respectively. The IHG currently has a $0 balance; Disney is around $4700, but it’s all 0% APR promo.
• I was expecting a limit around $18,000.
Applied and got instant approval for $28,500! This FAR exceeded my expectations! 😊
10:45 AM: Moving on to Wells Fargo Attune
• I was seeking this card specifically to get 4% cashback in categories that usually only get 2-3%.
• I only have one account with Wells Fargo at the moment, which is my Slumberland store card.
• I was expecting a limit around $10,000.
Applied and was denied, most likely due to my same-day inquiry with TU from Chase. Not completely unexpected as I know I'm shooting for the moon. This was not a high priority card for me, but rather more of a "nice to have" card. I'll reapply in 30-90 days. Keep moving forward!
• I was seeking this card specifically to get 4% cashback in categories that usually only get 2-3%.
• I only have one account with Wells Fargo at the moment, which is my Slumberland store card.
• I was expecting a limit around $10,000.
Applied and was denied, most likely due to my same-day inquiry with TU from Chase. Not completely unexpected as I know I'm shooting for the moon. This was not a high priority card for me, but rather more of a "nice to have" card. I'll reapply in 30-90 days. Keep moving forward!
Would be nice to know your data stats in detail. Like, number of HP's, 6 months, 12 months, and 24 months with each bureau. Same for new accounts, before starting the spree. Know that you 3/24 on new accounts. What's you current total utilization? Any particular CC over 30%?
Congrats on the Chase, Wells Fargo can be peculiar, so I wouldn't draw much from being declined. You should have done a preapp with Wells before applying full. I would have relied on that preapp, especially after having the pull from Chase, same bureau. Wells pulls Equifax for me, AZ.
Citi:
US Bank:
Chase:
Aven:
RH:
@ElvisCaprice Great questions! Here are my stats:
Equifax: 3 total HPs (1 within 6 mo, 2 within 24 mo)
Experian: 8 total HPs (2 within 6 mo, 2 within 12 mo, 4 within 24 mo)
- NOTE: 1 of the within 6 mo inquiries was for a personal loan, and 1 of the within 12 mo was for an auto loan
TransUnion (not counting today): 1 total HP (1 within 24 mo)
Newest credit card accounts opened 5/11/2024, 12/4/2024, & 10/11/2025
Total CU = ~21%
Only one card >30%; it's at 69%
Let me know if any more details would help! Yes, I was assuming the second TU HP might fail. It's all good!
12:45 PM: Next up: U.S. Back Cash+
• Curently hold the Shopper Cash Rewards card. There were many "offers" to apply for various additional cards in the my account dashboard.
• Based on my spending habits, the Cash+ card will ultimately replace the Shopper Cash Rewards card as my sole US Bank account. Without the annual fee along with the perpetual 5% cashback in specific categories, I will come out far ahead on cashback return.
• I was expecting a limit around $7,500.
Applied and got instant approval for $3,500! I see this not as a reflection of creditworthiness, but rather a reflection of same‑day spree velocity. This limit is honestly just fine as I only expect $500-$1000 monthly spend on this card, so it will stay <30% regularly.
The next two cards (supposedly) do not care about same-day inquiries at all, so we'll see!
The first thing that jumps out at me is the utilization. It's way too high. Ideally I would want to be around 1% utilization or less going into a spree and definitely not over 8 to 9 % on a single revolver. This is probably what tripped you up at Wells for the decline. Also I would want to be 0/6 and no more than 2/12 on pulls going into a spree on all the bureaus. Your Fico scores are in the range that they really don't matter, not a factor. Of course if the preapprovals are telling you, you are good to go, then go for those giving you the green light, regardless of data stats.
@just1morecard wrote:12:45 PM: Next up: U.S. Back Cash+
• Curently hold the Shopper Cash Rewards card. There were many "offers" to apply for various additional cards in the my account dashboard.
• Based on my spending habits, the Cash+ card will ultimately replace the Shopper Cash Rewards card as my sole US Bank account. Without the annual fee along with the perpetual 5% cashback in specific categories, I will come out far ahead on cashback return.
• I was expecting a limit around $7,500.
Applied and got instant approval for $3,500! I see this not as a reflection of creditworthiness, but rather a reflection of same‑day spree velocity. This limit is honestly just fine as I only expect $500-$1000 monthly spend on this card, so it will stay <30% regularly.
The next two cards (supposedly) do not care about same-day inquiries at all, so we'll see!
Congratulations, that's a whole lot of TU pulls. Did you confirm that all 3 pulls were TU? Maybe an EX or EQ, pulled CC has a further better chance at this point. The data is always appreciated!!
@ElvisCaprice 100%! Lower is always better, of course. I personally wouldn't have been able to get to that level of utilization before today, and I wanted to provide some real-world data for users here. I'm fairly confident that the next two are going to be successful based on the issuers alone. I knew going into this that it was a long shot, but I wanted to take the chance for myself and others. Thank you for your thoughtful questions and past advice on this forum. Very much appreciated!
1:45 PM: Comenity Ford Rewards Visa
• I did run through the prequalification process for this card; I was immediately pre-approved.
• I have one Comenity card currently (Big O Tires) with a $1,500 CL, which I will be getting rid of later this year.
• I was expecting a limit around $3,000.
Applied and got instant approval for $3,000 SL and $4,000 CL! Pretty much on par with expectations. Interesting quirk with this card initially is you are not only limited to $3,000 SL, but you are also limited to only 6 total transactions. Not planning on using this card right away, so this doesn't really impact me. I appreciated the much higher CL than what FNBO is willing to provide, as I plan on using this card (among other things) to pay for my auto insurance every six months.
Last one up: AMEX! Here we go!