Recently moved from Chicago to Orlando. Haven't gotten any “pre-approvals” or CC offers in the mail for the last 7-8 months since the last app spree. Noticed my TU fico finally crossed back over the 700 mark a couple weeks ago after the drop from the last spree in Q1.
Over the past few days I got a mailer from NFCU & BCU travel card and a pre-approval from US Bank. I have a flagship already but the APR is high and they pretty much have the card capped for me at $19,700. Decided that id app for the three last night around 10pm. Woke up to an NFCU Amex approval for $14,800 at 16%. Ill be interested to see what the other two result in.
Citi TY MC (AU) $30,000 |Hilton Amex (AU) $30,000|USAA CR Amex $28,000 |Chase United $22,000|Nordstrom VS $25,000 PenFed Rwz VS $30,000 |Quick Silver $13,000 |BAC Cash Rwz $25,000|BBY Visa $10,000|PenFed LOC $25,000 | Lowes $30,000 | Care Credit $15,000 Discover It $6,600 |Costco Visa $5,000 |Consumer CCU VS $10,000 NFCU Flagship $19,800 |State Farm Visa $4,000 | Marvel MC $10,000| NFCU LOC $15,000| Wells Fargo 360 Amex $9,500| Citi AA $9,000| Huntington $6,500| BCU loc $25,000| Cap1 savor $10,000| PenFed Amex $7,500
Total Credit line $421,000 | FICO as of 8/3/2019 TU 730 |EQ 699 |EX 697| UTI 2%
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