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App Spree! Success

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Valued Member

App Spree! Success

So, since around November of 2018 I have not applied for credit. The last thing I applied for was a second VA Mortgage and Home Depot Card in November. Upon being approved for both the mortgage and HD card I disappeared and stayed away from applications. Well this past week has been a different story....

 

I started out with the following:

Military Star Card - $4100 (12 years old)

Cap One Journey - $300 SL (11 years old)

Cap One Platinum - $2000 SL (8 years old)

Credit One - $500 SL (2 years old)

AMEX - $500 SL (1 yr 2 mo old)

Ashley Advantage - $1000 SL ( 1 yr 2 mo old)

Kohls Card - $1500 SL ( 1 year 5 mo old)

 

I received an offer a couple weeks ago for the USAA Rewards Card, I put off applying until one day logging into my account i noticed a banner saying your invited. So i applied, well this kicked off everything!...

 

From that to today:

USAA Rewards Card- $2000 SL

Amazon Prime - $5000 SL
Discover It - 4000 SL

Pen Fed Platinum Rewards- $5000 SL

Lowes Advantage (to replace HD) - $5000 SL (initial SL was $1000 called and requested $20k they countered with $5k)

Citi AAdvantage Plat World Elite - $9400 SL 

NFCU Cash Rewards - $15000 SL (Applied Today)

 

Some may frown on this however I have done well with my previous cards keeping my utilization between 10-20%, now that I have built a decent profile I am heading to the garden for a minimum of a year. I have also froze my credit on all 3 bureau's. Its a success in my eyes as now I will drop my Credit One, unfortunetly don't want to drop the Cap One Journey as it is one of my oldest accounts. I am sure my credit will take a dip now which I am okay with, now I will be sitting back and letting my seeds grow!


Current Cards:
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Starting Scores August 2017:

Current Scores: (as of: 12/01/2019)

Message 1 of 20
19 REPLIES 19
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Super Contributor

Re: App Spree! Success

Congratulations on your approvals!
Message 2 of 20
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Valued Contributor

Re: App Spree! Success

Congrats on the nice approvals!

Message 3 of 20
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Mega Contributor

Re: App Spree! Success

 

Quite the run, Congrats!!!

 

Message 4 of 20
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Valued Contributor

Re: App Spree! Success

Nice spree, MS! Congratulations on the solid results (and good cards) -- hopefully they'll all stick post-spree. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (05/20/2020): FICO 08 EXP: 743; TU: 751; EQ: 759
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 5 of 20
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Established Contributor

Re: App Spree! Success

Congratulations !! Red Alert ! You Killed It !!

 

I actually prefer app sprees when your credit history and finances can absorb the temporary hit. I've completed a few over the years and have only benefited from them. 

AOD FCU VS. BBVA CP. Cap One: QS, SavorOne, VentureOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cR VS, Plat MC, Plat Visa, CLOC. Sync: Amazon, eBay MC, Lowe's, PP MC, PPC. WF Propel Amex. Misc: Overstock, Target.

[04/20] Scores: 700s. Util: 3-5%. Inq: TU 9, EX 7, EQ 11. AAoA=6y9m, AoOA=32y10m, AoYA=0m.
$200k GOAL Met !! TCL 226k. Extend thru CLI's over 1-2yrs: 250-300k.

Next: CLI's, combine and/or close 2-3 accts. Garden? Can't quite get the hang of it yet, un/fortunately, Ha ! Late this year, hope to start adding a few business accounts.
Message 6 of 20
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Valued Contributor

Re: App Spree! Success

7 cards? HOT **bleep**! Congrats.

Message 7 of 20
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Valued Contributor

Re: App Spree! Success

Congrats on the success!


Message 8 of 20
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Epic Contributor

Re: App Spree! Success

I don't mind the app spree at all but are you or did you also ask for CLI on your old cards at the same time?

 

Military Star Card - $4100 (12 years old)

Cap One Journey - $300 SL (11 years old)

Cap One Platinum - $2000 SL (8 years old)

Credit One - $500 SL (2 years old)

AMEX - $500 SL (1 yr 2 mo old)

Ashley Advantage - $1000 SL ( 1 yr 2 mo old)

Kohls Card - $1500 SL ( 1 year 5 mo old)

 

You can close Cap1 Journey and the Credit one as they both will continue to report for 10 years as a positive closed account.

Amex no increase? I would pickup a new amex while your at it!

 

Message 9 of 20
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Super Contributor

Re: App Spree! Success

Message 10 of 20
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