Ready for a fun App Spree Story?

[Anonymous]

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@xaximus wrote:
Congrats on the house, the new Range and your success so far. I would definitely take it easy after this and build on what you have. You're doing great so far. Word of caution as mentioned before on Chase, they are finicky.

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For sure! Income def helps with a good score. 

I'll start gardening (figuratively and literally) :-) 

[Anonymous]

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@Anonymous wrote:
WOW that was quite the story. Congratulations! Not many people can say they had such a success.

As others have suggested, join us in the garden and let everything age.

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Thanks! I was hoping others could sense the excitement, disappointed, thrill, etc throughout the process. :-) 

[pinkandgrey]

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@Anonymous wrote:

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@pinkandgrey wrote:

Congrats on the house! I love hearing that! Congrats on the spree too. I would say you did very well all things considered. I would stop now, though, while you’re ahead. You don’t want to risk AA. I would hit the garden with your shiny new cards.

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What do you mean AA? Adverse action? In what sense? 

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Sometimes lenders will CLI or even close cards if they see a lot of new credit AFTER getting their card. It probably won’t happen, but always good to be on the safe side!

[Anonymous]

Chase is infamous for doing this. They’re quite the jealous lover like that. “How dare you apply elsewhere after we have approved you??”

[Remedios]

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@pinkandgrey wrote:

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@Anonymous wrote:

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@pinkandgrey wrote:

Congrats on the house! I love hearing that! Congrats on the spree too. I would say you did very well all things considered. I would stop now, though, while you’re ahead. You don’t want to risk AA. I would hit the garden with your shiny new cards.

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What do you mean AA? Adverse action? In what sense? 

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Sometimes lenders will CLI or even close cards if they see a lot of new credit AFTER getting their card. It probably won’t happen, but always good to be on the safe side!

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They wont CLI 

CLD is a possibility especially when Barclay is involved in a form of balance chasing due to numerous apps and/or utilization. 

Chase may approve, or deny the app, deny and close existing cards or do nothing. 

Amex wont care as long as they get paid 

[Anonymous]

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@pinkandgrey wrote:

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@Anonymous wrote:

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@pinkandgrey wrote:

Congrats on the house! I love hearing that! Congrats on the spree too. I would say you did very well all things considered. I would stop now, though, while you’re ahead. You don’t want to risk AA. I would hit the garden with your shiny new cards.

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What do you mean AA? Adverse action? In what sense? 

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Sometimes lenders will CLI or even close cards if they see a lot of new credit AFTER getting their card. It probably won’t happen, but always good to be on the safe side!

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Wow. a close? That's crazy.

Wait, a CLI (credit limit increase) AFTER? 

[Anonymous]

OP, see Remedios’ reply - likely that was a typo/autocorrect from “CLD”.

[Remedios]

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@Anonymous wrote:

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@pinkandgrey wrote:

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@Anonymous wrote:

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@pinkandgrey wrote:

Congrats on the house! I love hearing that! Congrats on the spree too. I would say you did very well all things considered. I would stop now, though, while you’re ahead. You don’t want to risk AA. I would hit the garden with your shiny new cards.

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What do you mean AA? Adverse action? In what sense? 

---

Sometimes lenders will CLI or even close cards if they see a lot of new credit AFTER getting their card. It probably won’t happen, but always good to be on the safe side!

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Wow. a close? That's crazy.

Wait, a CLI (credit limit increase) AFTER? 

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She probably meant CLD. 

You did a bit too much, but sky is not falling. It's already done, so enjoy your newly acquired toys, plastic and metal 

Just no more apps for a while 

[Anonymous]

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@Remedios wrote:

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@pinkandgrey wrote:

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@Anonymous wrote:

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@pinkandgrey wrote:

Congrats on the house! I love hearing that! Congrats on the spree too. I would say you did very well all things considered. I would stop now, though, while you’re ahead. You don’t want to risk AA. I would hit the garden with your shiny new cards.

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What do you mean AA? Adverse action? In what sense? 

---

Sometimes lenders will CLI or even close cards if they see a lot of new credit AFTER getting their card. It probably won’t happen, but always good to be on the safe side!

---

They wont CLI 

CLD is a possibility especially when Barclay is involved in a form of balance chasing due to numerous apps and/or utilization. 

Chase may approve, or deny the app, deny and close existing cards or do nothing. 

Amex wont care as long as they get paid 

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I was thinking the same about the CLI....LOL.

BUT GUESS WHATTT...

I called Chase to check the APP.....they verified information and BOOM!! Approved for $13,600!

I asked for expediting...(so I can use it and hopefully force them not to CLD).....and I got that too!

Now, calling about the Business card app..

[CreditInspired]

OP
As I was reading your post, the thought that kept somersaulting in my brain was “is this for real or a prank?”

I’m so confused as to why someone who just closed on a house would do this type of spree.

So to answer one of your questions, “yes, you should take a 2-yr hiatus.”

Congrats on your successes and GL2U.