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App Spree Results...$67k! Next Steps for Rd2?

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Valued Member

App Spree Results...$67k! Next Steps for Rd2?

*Updated: I received approval on BofA Bankamericard for $11k SL !!!    (should I call in and double App???)

*Updated 2: App'd online w/BofA on pre-selected offer, approved for Cash Rewards SL $19k!    Still waiting on US Bank, Barclays, and Southwest.

*Update 3: Citi Double Cash approved for $13,700, Care Credit denied, Barclays Denied

 

Today's work:

 

Chase Slate4000
Southwest30 day decision pending
Citibank13700
Bank of Americard$11k
The Golden 1$10k
US Bank$8700
Care Creditdenied
Barclaysdenied

BofA Cash Card          $19k

***** end update

I'm pretty happy with coming up with $28k in new credit today, but only 3 out of 7 instant approvals.  I need to research here, but I'm not sure if I should just wait for all the results of the 4 that are under review or if I should recon immediately.  Thoughts??

 

10/01/2018: FICO 8 Scores (INQ) EQ=758(1) TU=740(5) EX=769(7)
9/17/2018: FICO 8 Scores (INQ) EQ=739(1) TU=734(5) EX=733(5)
TCL=$105K Utilization=10%
3/18/2018: FICO 8 Scores EQ=690 TU=784 EX=743 (INQ) EQ=0 TU=0
EX=0 TCL=$10K

Amazon $2500, Barney's $1000, Bloomingdales $1000, BofA Cash Card $19k, BofA Americard $11k, BofA Cash Card Business $8500, Cap 1 Platinum SECURED MC $1250, Chase Slate $4000, Citi Double Cash $14k, Gap Visa $1500, Golden1 Card $10k, Macy's $1500, Nordstrom $6300, Sak's $1500, PenFed PowerCash $10k, US Bank+ $8500
, 6 Cards opened 3.5 Months ago, 9/24. Average Age of Accounts 8 yrs, Oldest Account 22yrs
14 REPLIES 14
Senior Contributor

Re: App Spree Results...$28k! Next Steps?

Congrats on Approvals , very nice haul

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 15
Valued Member

Re: App Spree Results...$28k! Next Steps?

Thank you!  It's been a loooooooooooong time coming. 


@VoltronM wrote:

Congrats on Approvals , very nice haul


 

10/01/2018: FICO 8 Scores (INQ) EQ=758(1) TU=740(5) EX=769(7)
9/17/2018: FICO 8 Scores (INQ) EQ=739(1) TU=734(5) EX=733(5)
TCL=$105K Utilization=10%
3/18/2018: FICO 8 Scores EQ=690 TU=784 EX=743 (INQ) EQ=0 TU=0
EX=0 TCL=$10K

Amazon $2500, Barney's $1000, Bloomingdales $1000, BofA Cash Card $19k, BofA Americard $11k, BofA Cash Card Business $8500, Cap 1 Platinum SECURED MC $1250, Chase Slate $4000, Citi Double Cash $14k, Gap Visa $1500, Golden1 Card $10k, Macy's $1500, Nordstrom $6300, Sak's $1500, PenFed PowerCash $10k, US Bank+ $8500
, 6 Cards opened 3.5 Months ago, 9/24. Average Age of Accounts 8 yrs, Oldest Account 22yrs
Message 3 of 15
Established Contributor

Re: App Spree Results...$28k! Next Steps?

Is that the order that you applied? By your signature I assume you had 2 hard inquiries between 12 and 24 months old before this.

Chase, Citi, BoA, US Bank, Barclays...that's kind of like a who's who of boats you don't want to rock by apping along with a bunch of other cards. The Southwest card is actually affected by Chase's 5/24 rule, so you might want to call and see if they need verification or something. But don't use words like recon or denial - remember, you're just seeing if you can provide some documentation or verification for the application, not reconning at this point. But you want to expedite that application because if those other 3 post before it plus the other 2 that's 5, now it's not like they'll pull it again before approving you but still I think safest to expedite that application. You should be able to do that with all of them without issue. But you might want to do them in order of how much you want each card. Seems to me even though they should have all already pulled your credit, calling in order of how much you want each card minimizes the chances of some weird situation coming up and an issuer for a card you really want noticing more recent approvals and denying you. Of course, even if not, the peace of mind is nice. Anyway, after you call them all up and verify any hang ups they have, you should be able to get decisions or at least will get them sooner.
Chase UR: Amex MR:Citi TY:
Cash back:Travel:
Debit: + DCU savings acct for 5.12% APY for $1k
Message 4 of 15
Valued Member

Re: App Spree Results...$28k! Next Steps?


@f4phantom2500 wrote:
Is that the order that you applied? By your signature I assume you had 2 hard inquiries between 12 and 24 months old before this.

Chase, Citi, BoA, US Bank, Barclays...

Thanks for the info 4fantom2500!!Yes, that's the order I applied in.  I did Chase first because of the 5/24 rule and because my DH got a huge SL with them recently. I wasn't as lucky but at least they approved me Smiley Happy   

 

I'll call each company and see if they need anything from me to make the decision (in order as you suggest).

 

Any ideas on other cards I could apply for?  It seems like the small credit unions (like Golden1) give out nice starting limits.   If I could find some more that pull TransUnion or Experian I'd go for it.   

 

I'm trying to avoid Equifax because I still have an old charge-off with Sync/Home Design showing (falls off in October).

 

I'm also not sure how many more to try.  I know that once all the new accounts show up it may be hard to get anymore for awhile.  That's one of the reasons I went for so many now.


@f4phantom2500
10/01/2018: FICO 8 Scores (INQ) EQ=758(1) TU=740(5) EX=769(7)
9/17/2018: FICO 8 Scores (INQ) EQ=739(1) TU=734(5) EX=733(5)
TCL=$105K Utilization=10%
3/18/2018: FICO 8 Scores EQ=690 TU=784 EX=743 (INQ) EQ=0 TU=0
EX=0 TCL=$10K

Amazon $2500, Barney's $1000, Bloomingdales $1000, BofA Cash Card $19k, BofA Americard $11k, BofA Cash Card Business $8500, Cap 1 Platinum SECURED MC $1250, Chase Slate $4000, Citi Double Cash $14k, Gap Visa $1500, Golden1 Card $10k, Macy's $1500, Nordstrom $6300, Sak's $1500, PenFed PowerCash $10k, US Bank+ $8500
, 6 Cards opened 3.5 Months ago, 9/24. Average Age of Accounts 8 yrs, Oldest Account 22yrs
Message 5 of 15
Frequent Contributor

Re: App Spree Results...$28k! Next Steps?

Amex - any revolver or charge

It's almost certain that Amex will look at EX.

Feb - May 2017

Current Fico 8
Message 6 of 15
Established Contributor

Re: App Spree Results...$28k! Next Steps?

The more cards you get the more likely one of the issuers will close one of the accounts after noticing all the activity, apparently Barclay in particular has some kind of reputation for that.

Your safest bet is to not app anymore and let these accounts establish for at least a couple of months. But if you really want more, I suggest perusing my signature. Every card I listed has high rewards or great perks. You should check out my debit cards too, more perks, cash back, and interest to be had there.
Chase UR: Amex MR:Citi TY:
Cash back:Travel:
Debit: + DCU savings acct for 5.12% APY for $1k
Message 7 of 15
Established Contributor

Re: App Spree Results...$28k! Next Steps?

Congrats

Goal: 700's by 11/1/2015 (all baddies will be gone)
Message 8 of 15
Valued Member

Re: App Spree Results...$28k! Next Steps?

*Update: I received approval on BofA Bankamericard for $11k SL !!!    (should I call in and double App???)

 

I'm wondering if it's too late to get another card under the same HP.    BofA was so generous with my DH, I'm guessing they might give another card at a similar limit if I app today.

 

I'm not planning any more apps for now, but might as well get all I can get with these HPs!

10/01/2018: FICO 8 Scores (INQ) EQ=758(1) TU=740(5) EX=769(7)
9/17/2018: FICO 8 Scores (INQ) EQ=739(1) TU=734(5) EX=733(5)
TCL=$105K Utilization=10%
3/18/2018: FICO 8 Scores EQ=690 TU=784 EX=743 (INQ) EQ=0 TU=0
EX=0 TCL=$10K

Amazon $2500, Barney's $1000, Bloomingdales $1000, BofA Cash Card $19k, BofA Americard $11k, BofA Cash Card Business $8500, Cap 1 Platinum SECURED MC $1250, Chase Slate $4000, Citi Double Cash $14k, Gap Visa $1500, Golden1 Card $10k, Macy's $1500, Nordstrom $6300, Sak's $1500, PenFed PowerCash $10k, US Bank+ $8500
, 6 Cards opened 3.5 Months ago, 9/24. Average Age of Accounts 8 yrs, Oldest Account 22yrs
Message 9 of 15
Valued Member

Re: App Spree Results...$58k! Next Steps?

*Update 2: 

Went with my gut and decided to apply online.  Figured the computers should know they just checked my credit and approved me yesterday so no need to do another HP. 

 

When I started the application, BofA had a pre-selected offer on a Cash Rewards card.  I had planned to go for a Travel Rewards, but I figured the pre-selected offer might be safer bet.  Also, checked and DH's highest BofA SL was Cash rewards card.  Hit the button and bingo. Instant approval, Cash Rewards SL $19k!!!!!  wow.

 

Up to $59k on my first App Spree, with three cards decisions pending.  Wooo hooo. 

10/01/2018: FICO 8 Scores (INQ) EQ=758(1) TU=740(5) EX=769(7)
9/17/2018: FICO 8 Scores (INQ) EQ=739(1) TU=734(5) EX=733(5)
TCL=$105K Utilization=10%
3/18/2018: FICO 8 Scores EQ=690 TU=784 EX=743 (INQ) EQ=0 TU=0
EX=0 TCL=$10K

Amazon $2500, Barney's $1000, Bloomingdales $1000, BofA Cash Card $19k, BofA Americard $11k, BofA Cash Card Business $8500, Cap 1 Platinum SECURED MC $1250, Chase Slate $4000, Citi Double Cash $14k, Gap Visa $1500, Golden1 Card $10k, Macy's $1500, Nordstrom $6300, Sak's $1500, PenFed PowerCash $10k, US Bank+ $8500
, 6 Cards opened 3.5 Months ago, 9/24. Average Age of Accounts 8 yrs, Oldest Account 22yrs
Message 10 of 15
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