DW and I recently closed on our house on 5/14 after about 4 months of contruction delays. I was itching to apply for cards after almost 1.5 to 2 yrs of gardening. Picked up a few CLI's and had Synchrony shut down 6 of DW cards, we both lost about $56k in available credit lines, because I was an AU on all. Our finaincial plan was to grab all the cards we wanted or "needed" after we closed. Man!...When I tell you the credit gods said you've waited long enough and they let the approvals RAIN!
....and the story goes.
I got approved for the following:
Apple Card - $2,500
BofA Customized Cash Card - $9,000
BofA Travel Rewards Card - $9,700 (app'd for both cards at the same time, approval for this one came almost a week later, actually forgot about the app lol..nice suprise)
Discover IT Chrome - $2,500
Cap1 Platinum (Bucketed) upgrade to QS w/ increased CL from $500 to $1,100
Victoria Secret - $1k
Lowes Advantage - $500 (one that DW lost; it'll grow, last one had $15K)
Rooms to Go - $1,100
JSC FCU Platinum CLI of $1,000 - declined offer to get approvel for JSC FCU LOC - together we are at maximum expsure with JSC
Amazon Store Card - $500 (one that DW lost; it'll grow, last one had $8K)
DW:
Apple Card - SL $1500 (requested CLI less than 12hrs after approval and got CL of $2500)
Discover Miles - $4500
Discover IT - CLI of $1000 to 16.5k
JSC FCU Line of Credit - $10k @ 10.2%
JSC FCU Vehicle Refi - 8.99% down to 3.2% (would have been 2.3% but we took the lower % on the LOC)
Genesis Credit LOC - $4000
There were some "odd" denials and some poor planning denials - most of them were with Synchrony and all had different reasons. Funny thing was Synchrony used there internal scoring as the assigned score.
Floor & Decor - sagestream locked - internal SB score: 929 out of 999
CareCredit - too many inquires in the past months - internal SB score: 911out of 999
IKEA Projekt - sagestream locked - can reapply once unlocked
AMEX Blue Cash Everyday / AMEX Everyday - too many recent inquires - FICO TU 742
But overall I cant complain overall a good spree to close out the closing of our house. We both will benefit from the spree as we are AU's on each others cards. Almost $50K in new available credit....will definately drive down that UTI %
