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App spree results

Visitor

App spree results

Thank you to everyone who posts in these forums: your info is always helpful and encouraging.

I went on a bit of an app spree last week and here are the results (good, bad and ugly):

 

Chase Sapphire Reserve: Approved, $17,000

PenFed Platinum: Approved, $20,000 (but required sending tax returns, quickly approved after that)

Amex Hilton Surpass: Approved, $1,000 (rendering it basically useless since any Hilton stay of more than a few nights would take a deposit for more than that)

Citi Costco Business: Declined (Citi apparently doesn't like me - nothing shows up on the prequal site either)

Amex SPG Business: Declined (I called for reconsideration and they said it might require another hard pull, so I passed on that)

 

All three of my scores are in the 690 range. Now to the garden for a few months or longer.

 

Message 1 of 9
8 REPLIES 8
Frequent Contributor

Re: App spree results

WoW, nice SLs. Congrats. 


Message 2 of 9
Valued Contributor

Re: App spree results

You had a really good day , Congrats Smiley Wink

NFCU Visa 25k | Cap1 QS 11K | Cap1 QS 10.5K | Barclay Apple Rwds 9k | Amex AU 20k | Citi AU 10k | Delta Amex 5k | CFNA FS 3200 | VS 1200 | Car Loan 10/14 |
Message 3 of 9
Regular Contributor

Re: App spree results

Congrats!

***Nothing Beats a try but a Fail*** I refuse to fail, success is the only option.
Message 4 of 9
Contributor

Re: App spree results

Congratulations, especially on snatching CSR. Nice card!

 

Though... isn't it a bit dangerous to app for 5 cards in such a short time?  I am a little nervous that I have 7 inquiries on my Experian report all this year.

Message 5 of 9
Senior Contributor

Re: App spree results

Lots of ppl choose to do app sprees and get everything all at once rather than an app here and there , it could help with AAOA , it's whatever works best for you . Congrats OP
Message 6 of 9
Frequent Contributor

Re: App spree results


@Absolution16 wrote:

Congratulations, especially on snatching CSR. Nice card!

 

Though... isn't it a bit dangerous to app for 5 cards in such a short time?  I am a little nervous that I have 7 inquiries on my Experian report all this year.


@Congrats to OP on the CSR, great card!  @Absolution16 - Spree's aren't for everyone and YMMV. I did a 12 card spree between May 3-10th. Approved for 10 of 12. Almost all cards have been used, bonuses met, and several have received CLI's since. I also PIF almost everything every month with about $7000 in usage between cards. each month. I would probably have had some Adverse Action if I had just charged small amounts or if I had run up the cards and carried balances.

Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $282,650
Barclay AA - $28k | Cap1 QS $26k | PenFed Plat $25k | NFCU Sig VS $24k | Chase CSP $20k | Chase Ritz $20k | Amex SPG $20k | BofA BBR $15k | NFCU LOC $15k | BofA CR $13.5k | Sync Lowe’s $12k | Citi AA $10.5k | Amex Delta Plat $10.4k | Marvel MC $8k | Citi Costco VS $7k | Sync Amazon $6.1k | Amex ED $2k | Amex BCP $1k | Amex PRG NSP / $25k Pay Over Time
Message 7 of 9
Regular Contributor

Re: App spree results


@Absolution16 wrote:

Congratulations, especially on snatching CSR. Nice card!

 

Though... isn't it a bit dangerous to app for 5 cards in such a short time?  I am a little nervous that I have 7 inquiries on my Experian report all this year.


 

 

You have nothing to worry about unless you intend to finance a house or vehicle within two years from the date of the inquiries.  There are a handful of banks that are sensitive to inquiries (Citi and Barclays come to mind) and many more who consider the rest of your credit file to be much more telling.

 

Some people here blow inquiries out of proportion. 

 

Even if you do intend to take out a mortgage or an auto loan, you probably won't get denied for having a few inquiries.  Lucy might got some 'splainin' to do for those inquiries but I don't they'll ruin your chances. 

Message 8 of 9
Established Contributor

Re: App spree results

Congrats!

Message 9 of 9
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