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Applied for 10 cards & Shopping Cart Trick approvals

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Anonymous
Not applicable

Re: Applied for 10 cards & Shopping Cart Trick approvals

You don't need 21 accounts to have an 850 FICO.

Message 31 of 33
Pikaboo-icu
Valued Contributor

Re: Applied for 10 cards & Shopping Cart Trick approvals


@wdkwang wrote:

@Pikaboo-icu sorry to see that happen to the person. it's very unfortunate indeed.

 

As you mentioned, some of my cards are pretty old and I've 99% of the time never had high utilization on them. They're usually within the 0-2% range due to the allocated credit limits. Most recently I had a ~12k balance on the Chase FU card while it was interest free but paid it off in 3 months which is likely what pushed it over to 823. I was stuck between 790-799 for over a year.


Below is a breakdown of my cards prior to the app spree this month sorted by age (oldest to newest). The AMEX Delta and Chase Amazon cards are AU, and I pretty much solely used the BofA card for about 8 years until 2 years ago when i became more knowledgeable about things such as points and rewards. Hopefully the long relationships, history of paying off on time and in full, low utilization will keep me under the radar. The only thing that should stand out to them is the random app spree. Otherwise, I shouldn't be a threat (at least I'm hoping so).

 

#NameAge
1AMEX Delta17Y 8M
2Chase Amazon13Y 5M
3BofA Cash10Y 11M
4Citi DoubleCash2Y 1M
5AMEX Everyday1Y 10M
6BofA Travel1Y 9M
7Chase Sapphire Reserve1Y 8M
8Chase Freedom Unlimited1Y 3M

Yeah, you got it going on with that profile..

I'm sure you'll be fine.. AAAnodding-head-smiley-emoticon.gif

  


Message 32 of 33
wdkwang
Contributor

Re: Applied for 10 cards & Shopping Cart Trick approvals

Thanks pika =)
Chase Sapphire Reserve 34K | Chase Freedom Unlimited 28K | Chase Amazon 25K
Chase IHG 8.5K | Chase Freedom 5K | Chase Sapphire 3K
Bank of America Cash 40K | Bank of America Travel 40K
AMEX Delta Gold 30K | AMEX Everyday 25K | AMEX Delta 13K | AMEX Blue Cash Everyday 2.62K
Citi Rewards Plus 31K | Citi ThankYou Premier 18.7K
PenFed Pathfinder 5K | PenFed Platinum 5K
City National Bank Crystal Visa 15k
TD Cash 14K | Uber Visa 13K | USBank Cash+ 10K
Wells Fargo Cash Wise 6.5K | Discover IT 5.2K
Overstock 13K | Target RedCard 2.5K | Victoria Secret Angel 1K | LOVE LOFT .25K
BP Visa 5K | Walmart MC 3.3K

08/18: TCL 246.95K | AoOA: 18Y | AAoA: 5.0Y || TU: 820 | EQ: 823 | EX: 815 || INQ - TU: 3 | EQ: 3 | EX: 7
12/18: TCL 386.95K | AoOA: 18Y | AAoA: 3.1Y || TU: 805 | EQ: 813 | EX: 769 || INQ - TU: 5 | EQ: 4 | EX: 10
11/19: TCL 421.55K | AoOA: 18Y | AAoA: 4.2Y || TU: 818 | EQ: 820 | EX: 794 || INQ - TU: 6 | EQ: 5 | EX: 9
Message 33 of 33
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