I applied for TR Visa during my last major app spree. Went overboard with the apps, so I felt that this was a good time to freeze my reports. Then today, I received a letter from Comenity asking me to call. They verified some info, and I was approved for 2k.
Honestly, I'm kind of sick of all this credit. Too many introductory requirements to fulfill. And I'm getting confused about which one I should use at the register.
Here's a list of credit I obtained since closing on my house on 9/27/13;
Amex BCP 1k
Amex Blue Sky 5k
Chase Freedom 7k
Chase Slate 4k
Lowes 5k
OCCU Duck Card 1k
Total Rewards Visa 2k
Victoria's Secret $500 (shopping cart)
CLIs
NFL Visa 1k
Walmart
Amazon
At least I have nothing major to apply for in the next few years. Now I know how people end up with 90 inquiries.
Honestly, I'm kind of sick of all this credit. Too many introductory requirements to fulfill. And I'm getting confused about which one I should use at the register.
Here's a list of credit I obtained since closing on my house on 9/27/13;
Amex BCP 1k
Amex Blue Sky 5k
Chase Freedom 7k
Chase Slate 4k
Lowes 5k
OCCU Duck Card 1k
Total Rewards Visa 2k
Victoria's Secret $500 (shopping cart)
CLIs
NFL Visa 1k
Walmart
Amazon
At least I have nothing major to apply for in the next few years. Now I know how people end up with 90 inquiries.
Congratulations....I assume you want a CLI with Amex in a month or so. That many new accts may hinder your chances.
I was looking forward to an Amex CLI at first, but now, it doesn't really matter to me. I'll probably still try. It's a SP anyway, right? I've been using it like crazy and have made 3 payments already. But with all the new accounts, I think I have enough credit for now.
@FinStar - I've been very, VERY careful with my apps and rebuilding my credit since I joined this forum and learned a few things. Because my goal was to buy a house, it was easier. Now I kind of feel that I don't have anything to work towards. Of course, I will do everything I can to keep my credit clean. But I got crazy with the apps. I told myself that all I wanted was an Amex. Then when I was approved, I wanted more. I'm kicking myself now, but the damage is done. But I guess a year from now, it'll be a good kind of damage. 
@john398 - Same thing happened with my DH. He went from $1500 to $4500. They wouldn't go any further. They won't budge for me. I didn't even think I was approved. Saw the letter from Comenity and thought it was my denial letter. They pulled EQ and I have 30 inqs - many are recent.
@john398 - Same thing happened with my DH. He went from $1500 to $4500. They wouldn't go any further. They won't budge for me. I didn't even think I was approved. Saw the letter from Comenity and thought it was my denial letter. They pulled EQ and I have 30 inqs - many are recent.
@Ravensfan2001 wrote:
@FinStar - I've been very, VERY careful with my apps and rebuilding my credit since I joined this forum and learned a few things. Because my goal was to buy a house, it was easier. Now I kind of feel that I don't have anything to work towards. Of course, I will do everything I can to keep my credit clean. But I got crazy with the apps. I told myself that all I wanted was an Amex. Then when I was approved, I wanted more. I'm kicking myself now, but the damage is done. But I guess a year from now, it'll be a good kind of damage.
@john398 - Same thing happened with my DH. He went from $1500 to $4500. They wouldn't go any further. They won't budge for me. I didn't even think I was approved. Saw the letter from Comenity and thought it was my denial letter. They pulled EQ and I have 30 inqs - many are recent.
LOL "good damage" sounds about right. At the end of the day, your efforts ended up with a very positive outcome. Just keep things in check, don't overspend on those cards and treat the new seedlings well - they will grow for sure! Best of luck on your credit journey!