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I paid off all my debt down to 1% revolving and waiting for my scores to reflect it. I still have poor scores because of tax lien public records, but other than those records I have no lates or baddies with balances in the last 3 years. Here is my APP Spree:
Amex Starwood Preferred: $1000 CL
Citi Double Cash: $4300 CL
Citi Simplicity: Declined.
Citi Costco: Declined.
Blispay: $5000 CL
Notes: As you can see in my signature line, I'm pretty AMEX happy. I love my cards and this is my 5th revolver approved by them. I was extremely disappointed with the $1000 credit line. I travel alot so SPG and Hilton are my thing. I was very happy with the Blispay and Double Cash and presume that Simplicity and Costco were due to multiple applications in the same day? I didn't research before hand what Citi's policies are on multiple apps, but they declined me hard for those two. The double cash was the card I wanted the most.
My plan is to consolidate my credit lines with AMEX next month and only have the cards I used most. Hopefully I am done apping now until we buy our new home in 24 months... so the plan is 2 years of gardening beginning today.. with only CLIs that can be had via softpull.
Cards I will be closing from my sock drawer:
Bank of America: $500 - been stuck here forever
PayPal Visa: $600 - been stuck here forever
Merrick Bank: $2800 - this card was just a big rebuilder card
CapOne QS $10,250 | AMEX Delta Gold $15,000 | AMEX BCE $5,000 | AMEX BCP $1,000 | AMEX HHonors $1,600 | Discover it $2,000 | EQ: 648 TU: 654 EX: 691 (as of 07/15/2017) |
Awesome congrats man!
As you may already know, your Amex is in for some serious 3x CLI
I hope they don't cancel my double cash approval for making 3 apps in an hour's time. ;(
CapOne QS $10,250 | AMEX Delta Gold $15,000 | AMEX BCE $5,000 | AMEX BCP $1,000 | AMEX HHonors $1,600 | Discover it $2,000 | EQ: 648 TU: 654 EX: 691 (as of 07/15/2017) |
Citi has the 8/65 rule.. no more than 2 applications in 8 days and 3 in 65 days. Congrats on the approvals!
Congrats on your approvals!!
Congrats, OP! Did Citi prequalify you or did you cold app?
I had no prequal offers... I just applied... with a 691 experian fico 8.
CapOne QS $10,250 | AMEX Delta Gold $15,000 | AMEX BCE $5,000 | AMEX BCP $1,000 | AMEX HHonors $1,600 | Discover it $2,000 | EQ: 648 TU: 654 EX: 691 (as of 07/15/2017) |