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3 month app spree approvals and TRASHED my Credit One!!

Re: 3 month app spree approvals and TRASHED my Credit One!!

That's amazing! Well done. Wish you all the best rebuilding. I'm on the same boat but my SL's are not as high as I would like them to be so have been forced to garden for at least the next 7 to 10 months. I hope to apply for a Citi Cash Rewards 2% card. We'll see. My real hopes are in a CSR but doubt I can get a $10,000 limit with any creditor...at least not in the near future.

 

Amex PRG $??; Amex SPG $1,000; Amex BEC $1,000; Chase Freedom $3,000; Chase Freedom Unl $500; CapitalOne QS $1,100; Target $300; AmazonPrime Card $800

 

Experian 671; EQ 686; TU 709

 

Gardening since 4/1/2017 - LOL!! ^_______^

Amex PRG $?? Amex SPG $1,000 Amex BEC $1,000 Chase Freedom $3,000 Chase Freedom Unl $500 CapitalOne QS $1,100 Target $300 AmazonPrime Card $800 Experian 671 EQ 686 TU 709 Gardening since 4/1/2017 LOL!! ^_______^
Message 11 of 20
CGuru
Established Member

Re: 3 month app spree approvals and TRASHED my Credit One!!

Thanks Mark! You've got some nice cards too I see! See you in the garden as of 4/1 haha

I think I'll keep the Cap one with that last comment. It's definitely not hurting me. Maybe they'll give me a decent CLI at some point but I hear they're pretty tight with their increases.
Message 12 of 20
WaveRider
Established Contributor

Re: 3 month app spree approvals and TRASHED my Credit One!!

Good job, all useful cards at good places that will grow and age together.  Nice Smiley Happy

Message 13 of 20
CGuru
Established Member

Re: 3 month app spree approvals and TRASHED my Credit One!!

Thanks Waverider. I alrequested a CLI on my Penfed Promise last night after the recommendation on this thread and it was approved for $2.5k. Happy dance!
Message 14 of 20
sjt
Senior Contributor

Re: 3 month app spree approvals and TRASHED my Credit One!!

Congrats!

 

With all the new accounts you are going to take a hit on your score but will recover in about 3 months. I would wait until that point before I would make a Laptop purchase.

 

 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 15 of 20
DeeCorey
Valued Member

Re: 3 month app spree approvals and TRASHED my Credit One!!

Congrats, CGuru, on an awesome credit journey and madd successful app spree!! You've definitely inspired me as next month I'll be diving into my first "mini app spree" after a year of gardening/rebuilding. You should be in the "700 club" in no time flat. Congrats again on a NICE set of cards! 😊
Message 16 of 20
CGuru
Established Member

Re: 3 month app spree approvals and TRASHED my Credit One!!

SJT- I was thinking the same thing. I think Penfed used my initial hardpull because I didn't get any new inquiries as of today. For some reason my EX went up 30 points after the BofA inquiry. So strange!
Will wait until I know if Penfed did a fresh pull before deciding on when to get the laptop. Appreciate the tip!

Thanks Loopyman! It really feels good to get some prime love. Good luck and let me know how it goes if you remember!
I'll be in the garden Smiley Wink
Message 17 of 20
MrsCHX
Valued Contributor

Re: 3 month app spree approvals and TRASHED my Credit One!!

I'm also in the keep Cap1 camp. You never know what may come up and Cap1 isn't very sensitive to much. They're not bad at all if you're not paying an AF.

Nice clean up on the new cards! Definitely garden and watch yourself climb. Don't be sad by a temporary score drop - which may happen with the new accounts posting. You'll get it back and continue to grow.

Also cosigning that you want 1-2 cards with the small balance, not all of them.

And get your laptop! Haha. Since you plan to pay it off quickly, get it right after your statement has cut. And then you can pay part of it before the next statement cut (to report under 30%) and then you don't have to worry about utilization on that one card so much. 

11/2017: EX 704 | TU 720 | EQ 672 -- Starting (2/2016): 630 | 620 | 580 -- INQs: 17 | 26 | 28 (last 6 months: 5 | 2 | 6)
AMEX Delta: $10k, Marvel: $8k, Discover IT: $7.2k, AMEX BCE: $6k, Target MC: $5k, PayPal 2%: $8k, CO QS: $2.6k, Merrick: $1.6k, Barclay's NFL Rewards: $1k, CO BuyPower: $500. And a mix of well-loved store cards.
Message 18 of 20
CGuru
Established Member

Re: 3 month app spree approvals and TRASHED my Credit One!!

 
Message 19 of 20
doinit1
Valued Contributor

Re: 3 month app spree approvals and TRASHED my Credit One!!

Congratulations on your approvals and great journey...keep up the good work...Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 20 of 20
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