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Credit Card Spree (Big Boy limits) 20k+ Haul

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CreditNoob
New Contributor

Credit Card Spree (Big Boy limits) 20k+ Haul

I finally got some big boy credit limits:

 

Approved Applications

Navy Federal cashRewards: $11,000 SL

Dover FCU Cash Rewards: $5200 SL

Capital One Savor: $4000 (This one was a shocker. I was pre-approved and they just said I can claim the card based off the pre approval.)

Prime Visa: $500 (Not much of a big boy limit. I contacted the recon line to see if I can increase the SL as I have another chase card with a higher limit. They are reviewing the request.)

 

Still Pending a Decision

PenFed Pathfinder: Under Review

Amex Blue Cash Everday: Under Review

FirstTech CU Cash Rewards: Under Review

 

Denied Applications

Bilt Mastercard: Denied 

 

My Credit Scores are reflected below and were the scores I had when I applied to all of these products. One the one in review come back with decision I will be gardening for 24 months.

 

Update:

PenFed Pathfinder: Denied (Too many inquiries which was expected.)

Amex Blue Cash Everday: Approved with just 1k SL

FirstTech CU Cash Rewards: Denied (Too many inquiries which was expected.)

 












Message 1 of 17
16 REPLIES 16
LivingTheAmericanDream
Frequent Contributor

Re: Credit Card Spree (Big Boy limits) 20k+ Haul

Congratulations! All will grow with you 👍

   
 
 

  
Message 2 of 17
Creditwiser
Valued Contributor

Re: Credit Card Spree (Big Boy limits) 20k+ Haul

Congrats on your successful spree !

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 14.5K | Cap1 QS 12.5K | Barclay MC 30k | Delta Gold Amex 40K | Discover IT 25K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Message 3 of 17
FicoMike0
Senior Contributor

Re: Credit Card Spree (Big Boy limits) 20k+ Haul

Congratulations!

Quite a spree.

Message 4 of 17
cashorcharge
Community Leader
Super Contributor

Re: Credit Card Spree (Big Boy limits) 20k+ Haul

Nicely done!! Congratulations on all your Approvals!!👏🏼🍾🥂

Message 5 of 17
coreyb80
Super Contributor

Re: Credit Card Spree (Big Boy limits) 20k+ Haul

Congrats on the approvals!

Message 6 of 17
Varsity_Lu
Valued Contributor

Re: Credit Card Spree (Big Boy limits) 20k+ Haul

👍🏼

Blue Cash PreferredBlue Cash EverydaySavorMore RewardsVoice Rewards + Perks CheckingFidelity Rewards VisaMax Cash PreferredAAA Travel AdvantageCashRewardsHilton Honors
Fidelity InvestmentsNavy Federal Credit UnionHuntington National BankMechanics Savings Bank
FICO® 8: 844 (Eq) · 838 (Ex) · 812 (TU)
Clean | Thick | Mature | New Revolver

Message 7 of 17
AndySoCal
Senior Contributor

Re: Credit Card Spree (Big Boy limits) 20k+ Haul

Congratulations on your approvals! As an observation and in no way is it a criticism you have quite bit of overlap in the type of reward card you applied and or approved for. The NFCU, Dover and  First Technolgy CU cards are basically 2% cash back cards.  That said I hope these cards grow with you.

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal
Message 8 of 17
Zoostation1
Valued Contributor

Re: Credit Card Spree (Big Boy limits) 20k+ Haul

Congrats on the approvals!

Rebuild Started Nov 2021, TCL $88.7k
June 2022 FICO 8:
June 2022 FICO 9:
June 2022 FICO 10:
June 2022 FICO 10T:
Aug 2026 FICO 8:
Aug 2026 FICO 9:
Aug 2026 FICO 10:
Aug2026 FICO 10T:

Message 9 of 17
Thomas_Thumb
Senior Contributor

Re: Credit Card Spree (Big Boy limits) 20k+ Haul


@CreditNoob wrote:

I finally got some big boy credit limits:

 

Approved Applications

Navy Federal cashRewards: $11,000 SL

Dover FCU Cash Rewards: $5200 SL

Capital One Savor: $4000

Prime Visa: $500 (Not much of a big boy limit. I contacted the recon line to see if I can increase the SL as I have another chase card with a higher limit. They are reviewing the request.)

 

Denied Applications

Bilt Mastercard: Denied 

 

Once the ones in review come back with decision I will be gardening for 24 months.

 

Update:

PenFed Pathfinder: Denied (Too many inquiries which was expected.)

Amex Blue Cash Everday: Approved with just 1k SL

FirstTech CU Cash Rewards: Denied (Too many inquiries which was expected.)

 


Congrats, you crushed it!

 

Now protect those SLs by showing some use but keep any reported balances to low utilization levels. Charge cautiously and avoid any more HPs or new accounts.

 

Be careful so you don't get flagged as high risk of being a bust out candidate. Those that get tagged often have accounts shutdown.

 

Time to update your signature.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 10 of 17
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