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$56,200 App Spree w/Amex Gold/Chase Sapphire Reserve/USAA

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$56,200 App Spree w/Amex Gold/Chase Sapphire Reserve/USAA

Greetings to all.
Longtime lurker here, with my first post...

Okay, so after four years gardening with the following:

USAA Visa Platinum $15,000
CAP1 MC Platinum $2,200
CAP1 MC Quicksilver $750
————————————————
TOTAL REVOLVERS = $17,950

I pulled the trigger on 5 strategic apps with the following DPs:

801 Experian FICO 8
$91k annual
1% utilization
0 delinquents
AAoA 70 months
1 inquiry (past 2 years)

No prior relationship with Amex or Chase. Member of USAA since 2000. Amex/Chase/USAA - all three - hard pull on Experian only, with the following SL results:

Amex Gold $[n/a] (instant approval)
CSR $18,700 (not instant, called recon)
USAA Visa Signature $15,000 (instant)
USAA Amex $15,000 (instant)
USAA Amex $7,500 (see NOTE*)
——————————————————
TOTAL APP SPREE = $56,200

*NOTE: After already having in hand a total of $45k in USAA revolvers ($15,000 x3), my 3rd USAA app went to underwriting for approval - and ultimately provided a total of $52,500 in USAA revolvers (thus breaking USAA’s rather firm policy of $50k limit for all revolvers). I called to reconfirm USAA’s $50k limit policy (but of course, made no mention of underwriting’s generous decision).

I am thankful to many wise members in this forum for my overall success during this recent app spree. Back to the garden for a couple years (with the primary goal of automatic CLIs w/CSR).

Cheers,
KW1OTR
Amex Gold $[n/a] • CSR Visa Infinite $18,700 • USAA Visa Signature $15,000 • USAA Visa Platinum $15,000 • USAA Amex $15,000 • USAA Amex $7,500 • TOTAL REVOLVERS = $71,200
21 REPLIES 21
Moderator

Re: Longtime Lurker $56,200 App Spree w/Amex Gold/Chase Sapphire Reserve/USAA

Welcome to the board, nice run Smiley Happy
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 22
Established Contributor

Re: Longtime Lurker $56,200 App Spree w/Amex Gold/Chase Sapphire Reserve/USAA

Now that is an app spree! And after four years of gardening?! What a payoff! You got two of my goal cards like it was nada. USAA looks like the best overall bank out there. Sad I don't have the ability to make use of their services Smiley Sad My coworker has them and she absolutely loves them. Gets paid a day earlier than those of us with normal banks/CU and everything. Good job!

office congrats.gif

 

 


AU




Starting Score: 651
Current Score: 683
Goal Score: 751

Take the myFICO Fitness Challenge
Message 3 of 22
Contributor

Re: $56,200 App Spree w/Amex Gold/Chase Sapphire Reserve/USAA(x3)

Nice way to get into the pool!!! Those are nice cards with nice CLi's, congrats on your outcomes!! Proves patience works!!




8/19 FICO 8 TU 724 EX 712 EQ 698

FICO 9 EX 737
Starting Score: 720
Current Score: 720
Goal Score: 800


Take the myFICO Fitness Challenge
Message 4 of 22
Super Contributor

Re: $56,200 App Spree w/Amex Gold/Chase Sapphire Reserve/USAA(x3)

 

Congrats on yer approvalsSmiley Happy

 

Message 5 of 22
Frequent Contributor

Re: Longtime Lurker $56,200 App Spree w/Amex Gold/Chase Sapphire Reserve/USAA

TOTALLY AWESOME!



Current Scores Jul 2019 – FICO 8
Message 6 of 22
Frequent Contributor

Re: Longtime Lurker $56,200 App Spree w/Amex Gold/Chase Sapphire Reserve/USAA

Gee golly batman lol
Congrats @kw1otr
WIIIIINNNNIIIINNNNGGGG!
CSP 17.8K
CHASE FU 7k
BECU VISA CARD 13K
BECU LOC 10K
CONNS(SYNCHRONY) 10K
MY JEWELERS 5K
NEW COAST DIRECT 5K
REGIONS PLATINUM 4K
BBT CASH REWARDS 3.5K
BBT TRAVEL 3.5K
PFU(ELAN FINANCIAL) 2K
CAP1 QS1 1.5K(closed GONE)
DISCOVER IT 2K
KAYS 1K(closed GONE)
NFCU CASH REWARDS 4.5k
CREDIT ONE 500(closed GONE)
OPENSKY 300(closed GONE)
DISCOVER(AU) 38.6K
CITI(AU) 12.5K

INCOME = 207K

Score for Fico are: Oct. 2019 Util 5%
Eq= 689
Trans= 719
Ex= 692
Inquires in last 24mths(Aug19)
Eq= 15
Trans= 12
Ex= 17
Accounts in Last 24mth= 19 6mths= 8(Aug19) 4 accounts have been closed
Car Loan= 1
Installment Loans= 5
CC= 12
4 AU accounts for AAoA since I have so many accounts(lol)
(1)10yrs, (3)8yrs
Message 7 of 22
Community Leader
Senior Contributor

Re: Longtime Lurker $56,200 App Spree w/Amex Gold/Chase Sapphire Reserve/USAA

Wow, that’s how you make a big splash jumping in the pool for the first time. Nicely done and welcome to the forum!


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 8 of 22
Valued Contributor

Re: Longtime Lurker $56,200 App Spree w/Amex Gold/Chase Sapphire Reserve/USAA

Woot woot!! Congrats on your approvals!!
Message 9 of 22
Regular Contributor

Re: Longtime Lurker $56,200 App Spree w/Amex Gold/Chase Sapphire Reserve/USAA

Quite a way to come out of the garden! Congrats to you! I'm looking to get on the USAA ship here very soon. I have to wait to apply for anything though, waiting until next year to get my Chase Ink cards.

CO Platnium - $500; CO Quicksilver - $8,500; CO BuyPower - $500; Target MC - $7,000; Chase Amazon Prime - $2,000; Care Credit - $14,400; PNC Core - $7,500; Citi DoubleCash - $4,300 - AmEx Everyday - $5,000; Citi Simplicity - $17,000; Chase World of Hyatt - $17,300; PayPal LOC - $3,750

Hidden Trade Lines - Chase Ink Cash - $15,000; Amazon Business Prime - $5,000

Total CLI - $107,750
Message 10 of 22
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