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App Spree Results

jerzd1981
Valued Member

App Spree Results

I am finally gardening!!!!

 

Got some good cards while i was on a long app spree:

 

My approvals:

Citi AAdvantage Platinum Select $7,000

Chase Sapphire Preferred $5000

Discover IT Cashback Card $3500

Barclays Jetblue $3000

Overstock Store Card $2100

Macys Store Card $800

Walmart Store Card $600

Home Depot $500 (BOOOOO!!!)

American Express Everyday $500

American Express PRG NPSL (had it up to $3400)

 

What I missed out on:

Bank of America Alaska Airlines 

Chase United Mileage Plus Explorer

Wells Fargo Cash Wise 

Comenity Total Rewards VISA

Lowe's (but yet i get walmart? smh)

American Express Business Gold Rewards

HSBC World Permiere Mastercard

Penfed Gold Visa

 

 

Im fine with the denials except for Chase Mileage Plus (I use United A LOT) and the Amex Business Gold Rewards.  I have some high util so its pay down time and garden until January.  **bleep** chase and their 5/24 will keep me in the garden longer, but at least come Jan I can try for Amex business card.  

 

Heres an idea of my profile if it helps:

6 lates on mortage, been current now for 8 months

6 lates on vehicle, been current now for 8 months

3 lates on one credit card, been current for 11 months

1 paid collection, Portfolio Recovery (im planning on complaint with CFPB, seems like only way to get it removed!!)

1 paid charge-off, Raymour Flannigan (it was paid direct to them, they list it as charge-off but put in the notes paid, SMH!!)

 

My FICO score bobs around 660-690 EQ, 630-660 TR (I hate them, they take forever to update) and 640-685 EX.

My AAOA is horrible now, like between 1 year and 1 month and inquires are around 10-14, however I did purchase a new car.

 

With pay down and time im hoping to reach 700 on EX and EQ by Jan-2018.

 

I am a seedling and proud of it LOL!!!

 

Message 1 of 10
9 REPLIES 9
UncleB
Moderator

Re: App Spree Results

Congrats on your success, @jerzd1981screamer.gif

 

Note:  I moved your post here since we're not supposed to discuss apps and approvals in the Garden Club thread.  Smiley Wink

 

 

P.S.  If you would like a seedling added to your siggy let me know and I'll add it for you.  Smiley Happy

Message 2 of 10
donny10
Senior Contributor

Re: App Spree Results

Congratulations on your approvals. Enjoy.

Message 3 of 10
CreditMagic7
Super Contributor

Re: App Spree Results


@UncleB wrote:

Congrats on your success, @jerzd1981screamer.gif

 

Note:  I moved your post here since we're not supposed to discuss apps and approvals in the Garden Club thread.  Smiley Wink

 

 

P.S.  If you would like a seedling added to your siggy let me know and I'll add it for you.  Smiley Happy


Smiley Very Happy Smiley Very Happy

 

Awesome! A bonified approval right smack in the garden thread. Smiley LOL

 

Anyway CONGRATULATIONS! on the App Spree and results!

 

That Citicards approval popped right out to me. Yowza!

Message 4 of 10
BronzeTrader
Valued Contributor

Re: App Spree Results


@jerzd1981 wrote:

I am finally gardening!!!!

 

 

Heres an idea of my profile if it helps:

6 lates on mortage, been current now for 8 months

6 lates on vehicle, been current now for 8 months

3 lates on one credit card, been current for 11 months

1 paid collection, Portfolio Recovery (im planning on complaint with CFPB, seems like only way to get it removed!!)

1 paid charge-off, Raymour Flannigan (it was paid direct to them, they list it as charge-off but put in the notes paid, SMH!!)

 

My FICO score bobs around 660-690 EQ, 630-660 TR (I hate them, they take forever to update) and 640-685 EX.

My AAOA is horrible now, like between 1 year and 1 month and inquires are around 10-14, however I did purchase a new car.

 

With pay down and time im hoping to reach 700 on EX and EQ by Jan-2018.

 

I am a seedling and proud of it LOL!!!

 


Just wonder how you have so many baddies. You better not to run more late, now that you get more cards.

 

Message 5 of 10
Disabled-Vet
Valued Contributor

Re: App Spree Results

Congratulations on your approvals. Dv


     $500         $1,000        $1,300        $1,500        $1,850         $3,400        $3,500                            $9,500        $1,000
Message 6 of 10
ImaPirate
Established Contributor

Re: App Spree Results

Congrats! Now time to garden

Message 7 of 10
Appleman
Valued Contributor

Re: App Spree Results

Does your Discover It have the double cash back the first year?

If so, you need to MAX out those 5% categories, it can be a nice credit to your account next year. I love knowing I have been getting 10% back this year on  many purchases.

Message 8 of 10
LadyJEsq
Established Contributor

Re: App Spree Results

Wow, now that's what I call a spree! Congrats on the approvals and the denials, well they can suck it! JK! Smiley LOL Once you let your accounts age, and you get those baddies off your reports, you'll be sitting pretty and if you should go on another spree (not something I would recommend mind you) you won't have so many denials. Good luck!

**FICO 8 Scores Nov 2017 EQ 759 EX 744 TU 748**


Message 9 of 10
jerzd1981
Valued Member

Re: App Spree Results

thanks for all the kudos, as for discover yes i have the double cash back its nice at 0% apr i dont feel like im gettin robbed and like using it a lot...yup in the garden to get my AAOA up, inquires down and baddies age... working towards my last two cards as goal
Message 10 of 10
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