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Approval Spree

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northway
Frequent Contributor

Approval Spree

So I went a little wild this month after cleaning up my reports from years of bad credit and decisions. Score is currently at a 738. I'm in a much better place now financially and have nearly no outstanding balances beyond some student loans and an auto loan. Don't shame me, but my new accounts are LMAO/24 and inquiries are **bleep**/24. I wanted all accounts and inquiries to age at the same time. Locking my reports now and gardening for a year or two.

 

Received a number of declines due to number of outstanding inquiries, but as for approvals:

 

1CB Rewards Visa Signature - $3.5K @ 17% HP EX

Alaska USA Visa Signature $7.5K @ 12% HP EX

Amex BCP - $10K @ 20% SP

Amex Delta Platinum - $10K @ 20% SP

Amex Green - $10K POT SP

Amex Platinum - $10K POT SP

BCU Cash Rewards Visa Signature - $30K @ 15% HP EX

Bread Cashback Amex - $9.5K @ 26% HP EX

Discover IT - $7K @ 24% HP EX

HVCU Rewards Visa Signature - $30K @ 16% HP EX

ICCU Premier Rewards Visa Signature - $30K @ 17% HP EX

Visions FCU Elite Visa Signature - $15K @ 15% HP EX

Personal Cards:
Message 1 of 22
21 REPLIES 21
JoeRockhead
Community Leader
Super Contributor

Re: Approval Spree

A little wild? Smiley Very Happy No shame at all, good for you, and best of luck in the garden. congratulations on your spree!

Message 2 of 22
House1204
Regular Contributor

Re: Approval Spree

Wow, that is an old fashioned, back in the day app spree! Haven't seen one like that in a while. Congrats on your approvals!





Message 3 of 22
CreditAggie
Community Leader
Super Contributor

Re: Approval Spree

Congratulations on your approvals!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (January 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 4 of 22
Anonymous
Not applicable

Re: Approval Spree

Congrats!

Message 5 of 22
CreditCuriosity
Moderator Emeritus

Re: Approval Spree

Wow went big!  congrats on some big scores

Message 6 of 22
OniStringer
Regular Contributor

Re: Approval Spree


@northway wrote:

So I went a little wild this month after cleaning up my reports from years of bad credit and decisions. Score is currently at a 738. I'm in a much better place now financially and have nearly no outstanding balances beyond some student loans and an auto loan. Don't shame me, but my new accounts are LMAO/24 and inquiries are **bleep**/24. I wanted all accounts and inquiries to age at the same time. Locking my reports now and gardening for a year or two.

 

Received a number of declines due to number of outstanding inquiries, but as for approvals:

 

1CB Rewards Visa Signature - $3.5K @ 17% HP EX

Alaska USA Visa Signature $7.5K @ 12% HP EX

Amex BCP - $10K @ 20% SP

Amex Delta Platinum - $10K @ 20% SP

Amex Green - $10K POT SP

Amex Platinum - $10K POT SP

BCU Cash Rewards Visa Signature - $30K @ 15% HP EX

Bread Cashback Amex - $9.5K @ 26% HP EX

Discover IT - $7K @ 24% HP EX

HVCU Rewards Visa Signature - $30K @ 16% HP EX

ICCU Premier Rewards Visa Signature - $30K @ 17% HP EX

Visions FCU Elite Visa Signature - $15K @ 15% HP EX


Wow you went hard! Haha. I plan to do this or something similar in about a year or so. Apply for all the cards I would want or could possibly use at once so that they age together.


Message 7 of 22
DesertWanderer
Frequent Contributor

Re: Approval Spree

Congrats on all of your approvals!



Message 8 of 22
Elpadrino1
Valued Contributor

Re: Approval Spree

Congratulations on your approvals!!

Message 9 of 22
SouthJamaica
Mega Contributor

Re: Approval Spree


@northway wrote:

So I went a little wild this month after cleaning up my reports from years of bad credit and decisions. Score is currently at a 738. I'm in a much better place now financially and have nearly no outstanding balances beyond some student loans and an auto loan. Don't shame me, but my new accounts are LMAO/24 and inquiries are **bleep**/24. I wanted all accounts and inquiries to age at the same time. Locking my reports now and gardening for a year or two.

 

Received a number of declines due to number of outstanding inquiries, but as for approvals:

 

1CB Rewards Visa Signature - $3.5K @ 17% HP EX

Alaska USA Visa Signature $7.5K @ 12% HP EX

Amex BCP - $10K @ 20% SP

Amex Delta Platinum - $10K @ 20% SP

Amex Green - $10K POT SP

Amex Platinum - $10K POT SP

BCU Cash Rewards Visa Signature - $30K @ 15% HP EX

Bread Cashback Amex - $9.5K @ 26% HP EX

Discover IT - $7K @ 24% HP EX

HVCU Rewards Visa Signature - $30K @ 16% HP EX

ICCU Premier Rewards Visa Signature - $30K @ 17% HP EX

Visions FCU Elite Visa Signature - $15K @ 15% HP EX


Congratulations on your approvals.

 

Question: it seems like you've joined various geo-fenced credit unions, which are in very different geographical areas. Can you tell us how you managed that?


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 10 of 22
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