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App Spree Success so far..

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freak4tech
New Contributor

App Spree Success so far..

I was looking over my credit and only have a few lines of credit so i decided to go on a small app spree

 

Credit Score 684 

 

Current cards 

 

Cap1 $1500 only reporting $400 on credit

Cap1 busines spark $1250 

 

1 collections ( i am now disputing this as its being reported incorrectly ) its from at&t when i was 17

 

Anyways, applied to Chase Freedom, got review application message. Called recon and got approved for $4500 ( highest limit so far ) 

 

First card i ever had was BOFA, sadly burned them for $1100, the refused to give me any type of credit for the last 2 years. So i applied for secured card with Max deposit. Got review application message again. Recon again, approved! Just gld to be back with bofa

 

Applied to Amex everyday, been an amex customer for a year now with business gold card. Applied got denied. Recon and awaiting outcome. Hopefully i can get the card with my high charge card use. 

Amex Business Gold NPSL ( 85k internal limit ) - AMEX Everyday $4200 - Chase Freedom $5500 - Discovery it $1300 - BOA Secured $4900 - Cap1 Sparks $1250 - Cap1 Spark Business $1500

2/18/2015
Fico EQ 682 - EX 691 - TU 699
1 boa baddie from 10/08 dying to get this removed
Message 1 of 11
10 REPLIES 10
yudeology101
Senior Contributor

Re: App Spree Success so far..

Congrats on your successful app spree!  For AMEX, gluck on your recon process but they rarely overturn their decision so keep us updated on the outcome.  Although you have a Biz card w/ them, the underwriting criteria for Biz & Personal is different from what i know. 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 2 of 11
coldnmn
Mega Contributor

Re: App Spree Success so far..

Congrats! Good Luck and thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 11
gdale6
Moderator Emeritus

Re: App Spree Success so far..


@freak4tech wrote:

I was looking over my credit and only have a few lines of credit so i decided to go on a small app spree

 

Credit Score 684 

 

Current cards 

 

Cap1 $1500 only reporting $400 on credit

Cap1 busines spark $1250 

 

1 collections ( i am now disputing this as its being reported incorrectly ) its from at&t when i was 17

 

Anyways, applied to Chase Freedom, got review application message. Called recon and got approved for $4500 ( highest limit so far ) 

 

First card i ever had was BOFA, sadly burned them for $1100, the refused to give me any type of credit for the last 2 years. So i applied for secured card with Max deposit. Got review application message again. Recon again, approved! Just gld to be back with bofa

 

Applied to Amex everyday, been an amex customer for a year now with business gold card. Applied got denied. Recon and awaiting outcome. Hopefully i can get the card with my high charge card use. 



@freak4tech wrote:

I was looking over my credit and only have a few lines of credit so i decided to go on a small app spree

 

Credit Score 684 

 

Current cards 

 

Cap1 $1500 only reporting $400 on credit

Cap1 busines spark $1250 

 

1 collections ( i am now disputing this as its being reported incorrectly ) its from at&t when i was 17

 

Anyways, applied to Chase Freedom, got review application message. Called recon and got approved for $4500 ( highest limit so far ) 

 

First card i ever had was BOFA, sadly burned them for $1100, the refused to give me any type of credit for the last 2 years. So i applied for secured card with Max deposit. Got review application message again. Recon again, approved! Just gld to be back with bofa

 

Applied to Amex everyday, been an amex customer for a year now with business gold card. Applied got denied. Recon and awaiting outcome. Hopefully i can get the card with my high charge card use. 


Nice run, enjoy Smiley Happy

Message 4 of 11
BigBS
Senior Contributor

Re: App Spree Success so far..

Congrats on the approvals!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 5 of 11
Vegas247
Established Contributor

Re: App Spree Success so far..


@freak4tech wrote:

I was looking over my credit and only have a few lines of credit so i decided to go on a small app spree

 

Credit Score 684 

 

Current cards 

 

Cap1 $1500 only reporting $400 on credit

Cap1 busines spark $1250 

 

1 collections ( i am now disputing this as its being reported incorrectly ) its from at&t when i was 17

 

Anyways, applied to Chase Freedom, got review application message. Called recon and got approved for $4500 ( highest limit so far ) 

 

First card i ever had was BOFA, sadly burned them for $1100, the refused to give me any type of credit for the last 2 years. So i applied for secured card with Max deposit. Got review application message again. Recon again, approved! Just gld to be back with bofa

 

Applied to Amex everyday, been an amex customer for a year now with business gold card. Applied got denied. Recon and awaiting outcome. Hopefully i can get the card with my high charge card use. 


Congrats! Very nice! Smiley Happy

$600 Barclaycard® Rewards MasterCard® - Average Credit $6500 Blue Cash Everyday® Card from American Express $30k credit card16k Chase Freedom® - $200 Bonus12k VSiggy
Message 6 of 11
-Wade-
Valued Contributor

Re: App Spree Success so far..


@freak4tech wrote:

I was looking over my credit and only have a few lines of credit so i decided to go on a small app spree

 

Credit Score 684 

 

Current cards 

 

Cap1 $1500 only reporting $400 on credit

Cap1 busines spark $1250 

 

1 collections ( i am now disputing this as its being reported incorrectly ) its from at&t when i was 17

 

Anyways, applied to Chase Freedom, got review application message. Called recon and got approved for $4500 ( highest limit so far ) 

 

First card i ever had was BOFA, sadly burned them for $1100, the refused to give me any type of credit for the last 2 years. So i applied for secured card with Max deposit. Got review application message again. Recon again, approved! Just gld to be back with bofa

 

Applied to Amex everyday, been an amex customer for a year now with business gold card. Applied got denied. Recon and awaiting outcome. Hopefully i can get the card with my high charge card use. 


Congrats on your success Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 7 of 11
alvon123
Super Contributor

Re: App Spree Success so far..

congrats


Message 8 of 11
freak4tech
New Contributor

Re: App Spree Success so far..

quick update regarding amex everyday, after 3 days of in progess after i called for recon i called to check status. two minutes later i received a you are approved email! 

 

dont know limit yet though

Amex Business Gold NPSL ( 85k internal limit ) - AMEX Everyday $4200 - Chase Freedom $5500 - Discovery it $1300 - BOA Secured $4900 - Cap1 Sparks $1250 - Cap1 Spark Business $1500

2/18/2015
Fico EQ 682 - EX 691 - TU 699
1 boa baddie from 10/08 dying to get this removed
Message 9 of 11
BigBS
Senior Contributor

Re: App Spree Success so far..

Congrats on the AMEX ED!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 10 of 11
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