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Epic sigh, today will haunt me

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Valued Member

Epic sigh, today will haunt me

this app spree will haunt me for 2 years at least, to the garden I go... went over board but got approved for Amex blue delta sky miles, chase freedom unlimited, Barclays Apple card, and maybe something else. Lost track Smiley Sad I’m disappointed in myself a bit but will have to get under control!
01/20/2018 FICO 8: TU 714, EQ 677, EX 696
04/20/2018 FICO 8: TU733, EQ709, EX 726

Message 1 of 27
26 REPLIES 26
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Valued Member

Re: Epic sigh, today will haunt me

Had some denials too, a couple years and I will fully recover!! Trying to think positive!!
01/20/2018 FICO 8: TU 714, EQ 677, EX 696
04/20/2018 FICO 8: TU733, EQ709, EX 726

Message 2 of 27
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Frequent Contributor

Re: Epic sigh, today will haunt me

Congrats on the approvals! Now, can you share what you came away with in terms of approval starting limits and APR, if known? That may help to determine whether or not this was as bad as you seem to think. Also, can you share your data points (i.e., scores, inquiries and AAOA)?
FICO as of 02/13/2018: 669 EQ Fico 8, 709 TU Fico 8, 716 EX Fico 8
5/3 Truly Simple MC #1 $5k | 5/3 Truly Simple MC #2 $4k | Banco Do Brasil Platinum Visa $3k | Home Depot $2k | HSBC Cash Rewards MC $1.5k | BMO Harris Cash Back MC $1.5k | BMO Harris Platinum Rewards MC $1.2k | HSBC Platinum Rewards MC $1k | Best Buy Visa $1k | Commerce Bank Drury Key Club Visa $1k | Citi Shell Card $0.8k | Penfed Power Cash Rewards $0.5k | Capital One QS1 $0.3k | Macy’s $5k
Message 3 of 27
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Regular Contributor

Re: Epic sigh, today will haunt me

I agree with the other poster, some data points would be great to understand if this is as negative as you think it is. Also just curious why the Blue Delta card vs the Gold? Bc no AF?

Message 4 of 27
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Community Leader
Mega Contributor

Re: Epic sigh, today will haunt me

High, Sigh, Bye...been there done thatSmiley Wink
Message 5 of 27
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Regular Contributor

Re: Epic sigh, today will haunt me

I did that in October. 6 months of rehab in the garden and I’ll be good. Congrats!
Inquiries 7-10 across.
UTI 9%
AAoA 2.7
Total Annual Fees $385
No baddies
196k Total Credit
Goal 2019 $200k
Next up: Chase Cards. Garden til 4/20







Message 6 of 27
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Moderator

Re: Epic sigh, today will haunt me

OP, how many total applications did you submit?

There appears to be some successes and by the same token, were you applying just to apply and see what all you'd get approved for or were there some goals in mind with the types of CCs you selected?

You mentioned "maybe something else" which almost indicates there wasn't some sort of solid planning involved if you don't remember most of your spree! 😁
Message 7 of 27
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Established Contributor

Re: Epic sigh, today will haunt me

Congrats on your approvals..  Gardening is hard to do.  I've never actually made it to the garden.  103+ Inquiries, but hey, I still turn out approvals. 

 

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 8 of 27
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Valued Contributor

Re: Epic sigh, today will haunt me


@arad2586 wrote:
Had some denials too, a couple years and I will fully recover!! Trying to think positive!!

You'll recover in 3-6 months and be in a stronger position to submit even more apps.  Congrats.

Message 9 of 27
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Valued Member

Re: Epic sigh, today will haunt me

well, not a bad experience, just unplanned, kind of apped just on a whim (and a few beers) after ive been telling myself not to lol. Before i apped my TU was716, EQ692, EX 703. will wait to see what happens to my scores soon, TU went from 2 inquiries (that are about to go off in a cpl months) to 4, so not too bad, EQ took a big hit on inquiries, especially since asking for a CLI Citi did a HP. AOAA isnt very long, started my credit journey about 2 years ago and only had 1 card for a long time before getting a few more. At least all these cards can age and grow together. i got approved for Freedom Unlimited $2000, AmEx Delta Sky $1000, Barclay Apple Rewards $1000, and HSBC Gold (why? idk lol) not sure athe amount yet, they reviewed the application for a cpl days and i just received my approval email! and btw thank you on the congrats!!

01/20/2018 FICO 8: TU 714, EQ 677, EX 696
04/20/2018 FICO 8: TU733, EQ709, EX 726

Message 10 of 27
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