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Application Spree 08/04/2014

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ExplicitElicit
Established Contributor

Re: Application Spree 08/04/2014

Congrats, you've added some great cards to your line up!

Message 11 of 23
Man-Of-Steel
Established Contributor

Re: Application Spree 08/04/2014

Wow, that was quite an app spree!  Congrats on the new cards.

Message 12 of 23
mzgg09
Regular Contributor

Re: Application Spree 08/04/2014

Congrats! I too am glad to see a good old fashioned app spree. Wish you the best going forward.

Experian 750 Equifax 750 Transunion 753
Message 13 of 23
alvon123
Super Contributor

Re: Application Spree 08/04/2014

congrats


Message 14 of 23
Erusidhion
Frequent Contributor

Re: Application Spree 08/04/2014

 

    Just wanted to thank everyone on myFICO! Without everyone that provides so much knowledge on these forums I would have never fixed my credit or cared about it as much as I do now. It can be a gift and a curse. And also a shoutout to all the myFICO lurkers who may not have an account yet but read these boards on a daily basis. I wish everyone success in the future Smiley Happy

 

    I definitely wouldn't recommend this spree for everyone I probably have about 20 inquiries on Experian now Smiley Sad But it was worth it to force myself into the garden for 12-24 months. I look forward to the 61 day CLI on my AMEX BCE at least and hopefully some auto CLIs on the others; and quite possibly my Wells Fargo graduating sometime in the future.

 

    I am scared for my credit score after this spree but it should recover within 6 months. Just in time for an auto loan and then 5 years after that; hopefully a mortgage of my own. Smiley Happy Baby steps. In hindsight, I get a lot of free credit reports now that I have a few declines under my belt lol. So there's that.

EQ 654 -- 43 Inquiries
TU 695 -- 54 Inquiries
EX 668 -- 50 Inquiries

Utilization: 9% AAoA: 20 months Total History: 3Y
Updated: 08/04/2017 Premier 3B
Message 15 of 23
One7
Valued Contributor

Re: Application Spree 08/04/2014

Congratulations on your awesome app spree approvals and good luck on the recons

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 16 of 23
Tony275
Valued Contributor

Re: Application Spree 08/04/2014

Congrats!! Big spree!
Message 17 of 23
toi34
Established Contributor

Re: Application Spree 08/04/2014

Nice Round! Smiley Wink

Message 18 of 23
MissMoni223
Senior Contributor

Re: Application Spree 08/04/2014

CONGRATS on your App Spree and hopefully those pendings will work out!!!

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)
Message 19 of 23
Kenny
Moderator Emeritus

Re: Application Spree 08/04/2014


@Erusidhion wrote:

 

        So I had a really great spree today and tons of inquiries added to my credit reports BUT it was worth it. Below are the cards that I applied for and the results:

 

            Approvals:

 

        1. Walmart Discover -- Approved for $1800.00

        2.  Chase Freedom -- Approved for $1200.00

        3. Discover it -- Approved for $2000.00

        4.  American Express Blue Cash Everyday -- Approved for $1000.00

 

            Under Review:

 

        1. Bank of America Cash Rewards -- Under Review (called, it was not declined)

        2. USBank FlexPerks Travel Rewards VISA Signature -- Under Review (still need to call)

 

            Declines:

 

        1. Capial One Quicksilver -- Declined (called, wanted another hard for Quicksilver One; I refused -- I own Secured Credit Card $500 6 month history)

        2. Citibank Simplicity -- Declined (still need to call)

        3. Wells Fargo Cash Back -- Declined (9 month banking relationship + $500 Secured Card - 6 months old)

        4. Sallie Mae Mastercard (Barclay) -- Declined (asked about last 3 years of work history, too short credit history is reason, they asked about other LOC)

        5. Barclay Rewards Mastercard -- Declined (asked about last 3 years of work history, too short credit history is reason, they asked about other LOC)

 

        All the scores in my signature are from two days ago along with the inquiries. I am afraid to know how many inquiries I have acquired today but I plan on gardening for a long time now, probably two years from this date lol. We'll see if I get any of the ones under review but after getting the big cards I wanted; I am doubtful but you never know.

 

        Thanks everyone! I'll update the 'Under Reviews' within the next week when I know what's happening.


Congratulations on your approvals! Thanks for sharing. Smiley Happy

Message 20 of 23
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