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App Spree! Citi, Chase, PenFed

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Senior Contributor

Re: App Spree! Citi, Chase, PenFed

Congrats on your approvals and CLI!

Currently: Gardening since 04/2020




Message 11 of 21
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Valued Contributor

Re: App Spree! Citi, Chase, PenFed


@mimi1 wrote:

... Citi DC, $11k Chase Freedom Unl, $7k, with $200 acct bonus, PenFed Power Cash, $25k, 14.99% Plus, Citi Costco CLI from $5,500 to $8,500 ...


Great job, Mimi -- Congrats! & thanks for the DPs. Smiley Happy Nice to see. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (05/20/2020): FICO 08 EXP: 743; TU: 751; EQ: 759
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 12 of 21
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Established Contributor

Re: App Spree! Citi, Chase, PenFed

@mimi1  Super Congrats on your app spree and approvals!!! Smiley Very Happy

 

Your BK7 falling off 6 weeks ago really seemed to help you a lot.

From a credit perspective, that put you onto a different scorecard.

So you went from good credit with a BK7 to good credit w/o a BK7,

which made you more attractive to lenders. Especially PenFed. I don't 

need to tell you they can be finicky, but now they like you. Very well done! Smiley Very Happy

 

Congrats again on your success. Thanks so much for sharing! Smiley Very Happy

Message 13 of 21
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Regular Contributor

Re: App Spree! Citi, Chase, PenFed

Congratulations on everything!!








Message 14 of 21
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Frequent Contributor

Re: App Spree! Citi, Chase, PenFed

Congratulations! App Spree threads are my favorite on this forum.

My Cards:



Future Cards:

Accounts Currently: 3/6, 7/12, 9/24
Gardening until May 2021-0/12[US Bank 1/12 Rule].
Sept 2021-4/24[Chase 5/24 Rule]. Oct 2021-2/12[Bank of America 3/12 Rule].
Message 15 of 21
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New Member

Re: App Spree! Citi, Chase, PenFed

Thanks. Have been waiting 10 long years for that BK to go away. Scores jumped 30-50 points when it fell off.  

However, even with perfect payment history these last 10 years on mortgages, cars, and $150k in available CCs (PIF every month), some banks would not give me the time of day until now.  

I owe it all to everyone here on the forums, with guidance on where to apply to rebuild and how to maximize on the credit that was extended (such as the old CapOne acct combos - those started me on the path to larger CLs and building a clean portfolio).

 

Message 16 of 21
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New Contributor

Re: App Spree! Citi, Chase, PenFed


@mimi1 wrote:

Woo Hoo!  Been working to get these for years, they finally like me!

Citi DC, $11k

Chase Freedom Unl, $7k, with $200 acct bonus

PenFed Power Cash, $25k, 14.99%

Plus, Citi Costco CLI from $5,500 to $8,500

Have had plenty of love from CapOne, NFCU, & Amex over the years, but have wanted to expand options and get these three for quite a while. 

 

DP:

All Fico8

EX 754

EQ 787

TU 768

BK7 finally fell off 6 weeks ago

Util, avg 5-6% overall


Congrats!!

 

I have the Citi DC, PenFed PC, Amex EDC & CFU.

 

How many inquiries?



Message 17 of 21
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New Member

Re: App Spree! Citi, Chase, PenFed

Congratulations on your approvals and CLIs! Smiley Happy

Hey

Message 18 of 21
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Frequent Contributor

Re: App Spree! Citi, Chase, PenFed


@Carmy03 wrote:

Congratulations! App Spree threads are my favorite on this forum.


+1-Congratulations!!!

Message 19 of 21
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Contributor

Re: App Spree! Citi, Chase, PenFed

Congratulations

TU804 EQ788 EX787 04/20
Message 20 of 21
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