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App Spree: Approved for 2

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App Spree: Approved for 2

So I applied for the BBVA CP and got approved for $7500 at 17.24%. Within minutes I applied for the Walmart MC simply because most of my shopping is there and had read that even if you start off with a low SL it grows. Well it was approved but for $500. It’s almost laughable. I almost want to just call and close it even though I took the hard pull. I read that Capital One will be taking over it and I do have a current card with them of $5K. I know many will say since I took the hard pull just leave it but I’m thinking having the card there will negatively impact my average age. Thoughts?
Message 1 of 11
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Community Leader
Senior Contributor

Re: App Spree: Approved for 2

Synchrony walmart grew pretty quickly, cap one who knows,

 

It will report even if you close it right off the bat, so your AAOA will be altered,  closing won't help that now.

 

You took the hit for inquiry and age, so I would just keep it and see how cap one plays out.

 

EXP 760 TU 781 EQ 733
Message 2 of 11
Valued Contributor

Re: App Spree: Approved for 2

CONGRATS @TruFlavor on your BBVA Clear points approval and Welcome to the BBVA family!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 3 of 11
Valued Contributor

Re: App Spree: Approved for 2

Who knows how it will grow but Walmart MC didn't grow at all for me, dh, or ds.  As a matter of fact, three weeks ago I asked for cli on ds's just for s and giggles and they laughed back and took the darned cli button away. (Synch does that to me often)

My sl was $2300.00 and they never gave me one, same with DH.

 

So now we will just have to see how Cap1 handles these cli's....couldn't be any worse for us.

 

"My Take Home Pay Don't Take Me Home"
Personal Credit: Start date Oct 2018 SavorWEMC/Quicksilver-AU/Disco It-AU/Disco Chrome(on chopping block)/SpectrumVS/BrightVS/GoodSamsVS/Care Credit/Lowe's-AU/Home Depot-AU/Synovus LOC- 2012 (Total CL= 186k)
Business Credit: start date April 2019 Blue Business Cash/Lowe's Reward-amex/Lowe's Pros/Staples More/Amazon Net55/Spark (Total CL=81k)
Closed TL's reporting, all positive: 1 Auto; 2 Personal Loans; 9 Revolvers
Message 4 of 11
Member

Re: App Spree: Approved for 2

Got it. Good to know. I thought if I closed it, it wouldn’t count. Learn something new everyday. This is why I love these forums! Let’s see how it pans out!
Message 5 of 11
Member

Re: App Spree: Approved for 2

Thank you! I still need to figure out how to set my categories. Was not the easiest to figure out. I did have a car loan with them before so not sure if that triggered the invite.
Message 6 of 11
Member

Re: App Spree: Approved for 2

Honestly I was shocked with that lie of a limit. All of my approvals have been in the 5-17.5K in the past year with my most recent the BBVA AT 7.5K and Apple at 6.5K. We shall see!
Message 7 of 11
Valued Contributor

Re: App Spree: Approved for 2


@TruFlavor wrote:
Thank you! I still need to figure out how to set my categories. Was not the easiest to figure out. I did have a car loan with them before so not sure if that triggered the invite.

@TruFlavor, I have a BBVA Rewards card and it's a straight 1.5% CashBack card with no categories.

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 8 of 11
Super Contributor

Re: App Spree: Approved for 2

Congrats on your approvals!

Message 9 of 11
Member

Re: App Spree: Approved for 2

This has a 3-2-1. You pick your categories per quarter.
Message 10 of 11
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