Brother just went on a REAL SPREE

[Kostya1992]

Yeah he is done after being denied for Cap1 Journey.

[lg8302ch]

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@kostyan1992 wrote:

The spree is just starting. Anyone have suggestions on what else to app on?

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stop stop stop stop.... head to the garden asap ...that is my 2cents  ...but good luck if he wants to proceed !

[Anonymous]

wow lol, I don't think spree is the proper term.. more like splurge

[Anonymous]

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@kostyan1992 wrote:

His TU08 from Barclay: 632. EQ from Discover: 562.

DIscover IT: Decline
Citi TYP: Review
Cap1 QS: $3000
Cap1 Platinum: $1000
Chase Freedom: Review
Walmart: 500
Target: 500
Chevron: 500
Shell: 500
Barclay Mastercard: Decline
Macys: Review
Barclay NFL: Decline
Bank of Americard: Review
Wells Fargo: Review
Lowes: Review

Kohls: Review

Fingerhut: Decline

TJ Maxx: Review

Barclay Hotel: Review

CareCredit: Decline

Amex Everyday Blue: Decline

Credit One: 400

Cap1 Journey: Decline

Will keep you guys updated.

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That's 23 apps. 7 Instant denials, 9 Reviews, 7 Approvals.

And only $6,400 in credit to show for it, $2,000 of it in stores only.

I'd have stopped at CapOne however i'm actually kind of impressed with the $3,000 CL right off the bat from CapOne though with that EQ score.

[juggar]

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@kostyan1992 wrote:

His TU08 from Barclay: 632. EQ from Discover: 562.

DIscover IT: Decline
Citi TYP: Review
Cap1 QS: $3000
Cap1 Platinum: $1000
Chase Freedom: Review
Walmart: 500
Target: 500
Chevron: 500
Shell: 500
Barclay Mastercard: Decline
Macys: Review
Barclay NFL: Decline
Bank of Americard: Review
Wells Fargo: Review
Lowes: Review

Kohls: Review

Fingerhut: Decline

TJ Maxx: Review

Barclay Hotel: Review

CareCredit: Decline

Amex Everyday Blue: Decline

Credit One: 400

Cap1 Journey: Decline

Will keep you guys updated.

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heh, looks like the only thing you left out was First Premier and the "Verve" card.... LOL 

[Creditaddict]

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@kostyan1992 wrote:

His TU08 from Barclay: 632. EQ from Discover: 562.

DIscover IT: Decline
Citi TYP: Review
Cap1 QS: $3000
Cap1 Platinum: $1000
Chase Freedom: Review - Call Chase: 888-245-0625 and ask if the application needs verification or has been decisioned.
Walmart: 500
Target: 500
Chevron: 500
Shell: 500
Barclay Mastercard: Decline - Call 866-408-4064 and ask for reconsideration
Macys: Review - Call Macy's: 800-477-2167 and ask for reconsideration
Barclay NFL: Decline - your not being smart when you apply for a 2nd card by the same issuer that's already declined you (Barclay)
Bank of Americard: Review - call BofA:  866-618-4585
Wells Fargo: Review
Lowes: Review - GE Declined - if they didn't give you a number to call instantly 7-10 with ge are denied and can't be reconsidered and usually start to happen after about 3 apps in a row with ge!

Kohls: Review - same they give you a number if they want to talk to you otherwise think it's denied and that's bad! they are easy!

Fingerhut: Decline 

TJ Maxx: Review - GE denied

Barclay Hotel: Review - really 3 Barclay! what a waste

CareCredit: Decline - GE!

Amex Everyday Blue: Decline LOL

Credit One: 400 - I highly suggest closing this as it's a costly card to have and your approvals that you did get are to good for this card... it's not beneficial in your rebuilding at this point

Cap1 Journey: Decline

Will keep you guys updated.

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WOW... Lets see:

[Focused10]

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@kostyan1992 wrote:

The spree is just starting. Anyone have suggestions on what else to app on?

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Garden for a while and get into the groove. Too much too soon may be detrimental.

Congrats on the approvals.

[rlx01]

The whole problem here was applying for more than a single card.

Those store cards are pointless, and CreditOne is subprime...

1 card is enough to build history. Quite frankly the CapOne 3k approval was generous. Could have built that into much better cards in 6-12 months.

Instead he now has 23 HP's that will haunt him for a year.

[DrZoidberg]

That spree was an absolutely terrible idea. I wouldn't have even advised it if his score was 800+. He should have done 3 cards max. And then wait a year to do some more. People are free to do their own but it's sprees like this and others that are encouraging wrong behavior. 

[uswala]

Congrats to your brother!