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App Spree: Citi AAdvantage; Lowe's Advantage; Apple Card

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Senior Contributor

App Spree: Citi AAdvantage; Lowe's Advantage; Apple Card

March was a fruitful month for me in the realm of credit, despite all of the COVID-19 swirl. I posted earlier this month about 3 CLIs from Comenity and Synchrony. In addition to this, I was also approved for a new auto loan by Capital One. Today, what started out as an innocent soft pull check for the Apple Card turned into a mini-app spree, and now I'm off to the garden for a really long time.

 

Card #1 - GS Apple Card

SL - $2,000

APR - 23.49%

Notes - App required driver's license upload and phone identify verification before approval. This was the second soft pull offer from Apple. The first was for the same SL and APR, which I declined. I applied a day later and ultimately received the same offer, which I accepted.

 

Card #2 - Citi® / AAdvantage® Platinum Select® card

SL - $5,600

APR - ? (I forgot to ask)

Notes - Applied using a passthrough link from AA's website. Applied, received the 7-10 day message. I used a number from this site to call and ask if anything else was needed. Quick address verification and I had an approval 4 mins later. I didn't see this approval coming!

 

Card #3 - Synchrony Lowe's Advantage

SL - $2,500 

APR - 26.99%

Notes - Instant approval. I called Credit Solutions to ask for an increase but no dice. I was told I'll receive a letter in the mail within 7-10 days. It was a good run.

 

So here's the deal, I realize these aren't the best APRs but I'm thankful that my rebuild has allowed me to get this far. I'm off to the garden to age my accounts, lose some inquiries, and lower my utilization! Also, my scores are up to date in my signature but I think the data points are interesting; sharing below:

 

Inquiries (more than half of all of these will fall off in the next 6 months)

EX - 21

TU - 25

 

New accounts - 5/12

Income - $119K+

Utilization - 42%

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

11 REPLIES 11
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Super Contributor

Re: App Spree: Citi AAdvantage; Lowe's Advantage; Apple Card

Congratulations on your approvals!

Message 2 of 12
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Valued Contributor

Re: App Spree: Citi AAdvantage; Lowe's Advantage; Apple Card


@19eighty5 wrote:

... Inquiries EX - 21 TU - 25 ...


You've been a busy beaver, 1985 -- Wow Smiley LOL  Congrats! on your successes & thanks for the DPs. Smiley Happy

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (09/16/2020): FICO 08 EXP: 747; TU: 758; EQ: 775
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 3 of 12
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Super Contributor

Re: App Spree: Citi AAdvantage; Lowe's Advantage; Apple Card

Congrats !

Congrats !

and

Congrats !


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2020 CCT EX 818 TU 826 EQ 840

Color me your color, baby
Color me your car
Color me your color, darling
I know who you are
Come up off your color chart
I know where you're comin' from
Call me (call me) on the line
Call me, call me any, anytime
Call me (call me) my love
You can call me any day or night
Call me

Blondie - Call me ( 1978 )
Message 4 of 12
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Epic Contributor

Re: App Spree: Citi AAdvantage; Lowe's Advantage; Apple Card

Congratulations on your CLI's  ans approvals!

Message 5 of 12
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Community Leader
Super Contributor

Re: App Spree: Citi AAdvantage; Lowe's Advantage; Apple Card

Congrats on the app spree success 1985!!!



My most prized tradeline.
Message 6 of 12
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Valued Contributor

Re: App Spree: Citi AAdvantage; Lowe's Advantage; Apple Card

Congratulations!




Starting score - May 2018

June 2020

AAoA - 9 months
Message 7 of 12
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Valued Contributor

Re: App Spree: Citi AAdvantage; Lowe's Advantage; Apple Card

Congratulations on your approvals! 👍





My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 8 of 12
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Community Leader
Mega Contributor

Re: App Spree: Citi AAdvantage; Lowe's Advantage; Apple Card

Great job 1985Smiley Happy If you have ability to pif, apr will be irrelevant and plus no one can control a retail apr so why fret?Smiley Wink. EnjoySmiley Happy

Message 9 of 12
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Valued Contributor

Re: App Spree: Citi AAdvantage; Lowe's Advantage; Apple Card

Congrats on your approvals!!!








Message 10 of 12
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