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App Spree after closing on 1st home

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Valued Member

App Spree after closing on 1st home

Closed on our house 11/25 and decided it was time to apply for some cards.

 

Approved for the following-

Penfed Promise Card- $15,000 

Target RedCard- $2000.00

Citi Double Cash Card- $9,500

Capital One SavorOne- $10,000

Amex Blue Cash Preferred- $10,000

 

CLI- NFCU Flagship $25,000 to $31,000

 

Declined for Wells Fargo Propel Amex. I should have applied for that first, but I didn't smh. I decided to stop after Wells Fargo because I felt the next ones would start declining. On each report I had about 10-13 inquiries ( 3 for the house) with utilization at 5%.

 

Scores were 710+ on all three credit reports. Thank you all so much for the advice on this channel. I went from horrible credit (540 and lower) to having a house and tons of credit, and it's all from this board and advice. Now time to garden for 2-3 years LOL!

 

Happy Thanksgiving!

Hilton AMEX $3000 | NFCU Amex $15,000 | NFCU Flagship $31,000 | NFCU GoRewards $15,200 | PayPal MC $10,000 | USAA AMEX $6,000 | Citi Costco $8,000 | Discover $5,000 | Chase Southwest $4,500 | Chase World of Hyatt $10,000 | Overstock Store Card $23,150 | Express $5,000| Victoria Secret $4,9000 | Walmart Store Card $6,000 | Ashley Furniture $10,000 | Living Spaces $7,500 | PenFed $15,000 | Citi Double Cash $9,500 | CapitalOne SavorOne $10,000 | Target $2,000 | Amex BlueCard $10,000
Message 1 of 17
16 REPLIES 16
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Moderator

Re: App Spree after closing on 1st home

Well, well, grats on your new home and new run of cards Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 17
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Super Contributor

Re: App Spree after closing on 1st home

Congratulations on your approvals and CLI!

Message 3 of 17
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Valued Contributor

Re: App Spree after closing on 1st home

Congrats on the new house and all the new cards!




Message 4 of 17
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Moderator

Re: App Spree after closing on 1st home

Quite the spree.. I need to step up my game(jk).. Enjoy the new house and the nice new card line-up.  Also WF is just weird you would of probably been declined if it was your first card in your spree..  They will eventually hunt you down with pre-approvals at that time then and only then apply lol

Message 5 of 17
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Valued Member

Re: App Spree after closing on 1st home

Ahhh good to know! I will wait until that time.
Hilton AMEX $3000 | NFCU Amex $15,000 | NFCU Flagship $31,000 | NFCU GoRewards $15,200 | PayPal MC $10,000 | USAA AMEX $6,000 | Citi Costco $8,000 | Discover $5,000 | Chase Southwest $4,500 | Chase World of Hyatt $10,000 | Overstock Store Card $23,150 | Express $5,000| Victoria Secret $4,9000 | Walmart Store Card $6,000 | Ashley Furniture $10,000 | Living Spaces $7,500 | PenFed $15,000 | Citi Double Cash $9,500 | CapitalOne SavorOne $10,000 | Target $2,000 | Amex BlueCard $10,000
Message 6 of 17
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Super Contributor

Re: App Spree after closing on 1st home

Forget the cards. Congrats on the biggest investment in your life in a new home!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 7 of 17
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Community Leader
Super Contributor

Re: App Spree after closing on 1st home


@kwinky13 wrote:

Closed on our house 11/25 and decided it was time to apply for some cards.

 

Approved for the following-

Penfed Promise Card- $15,000 

Target RedCard- $2000.00

Citi Double Cash Card- $9,500

Capital One SavorOne- $10,000

Amex Blue Cash Preferred- $10,000

 

CLI- NFCU Flagship $25,000 to $31,000

 

Declined for Wells Fargo Propel Amex. I should have applied for that first, but I didn't smh. I decided to stop after Wells Fargo because I felt the next ones would start declining. On each report I had about 10-13 inquiries ( 3 for the house) with utilization at 5%.

 

Scores were 710+ on all three credit reports. Thank you all so much for the advice on this channel. I went from horrible credit (540 and lower) to having a house and tons of credit, and it's all from this board and advice. Now time to garden for 2-3 years LOL!

 

Happy Thanksgiving!


Well what a wonderful early Xmas present or two or three or five. Smiley Very Happy

 

Yep, your year is ending on a very profitable note. Congrats to you on everything.



DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 8 of 17
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Valued Contributor

Re: App Spree after closing on 1st home

Congratulations on your new home, cards and CLI!!!



Message 9 of 17
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Mega Contributor

Re: App Spree after closing on 1st home

 

Congrats on yer approvals

 

Message 10 of 17
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